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1300 004 863

Mon-Fri: 8am-5:45pm
Sat: 9.30am-12pm
(branch hours vary)

Hume Connect (phone banking)

1300 551 619

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F (02) 6051 3255

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E [email protected]

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Rates

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Fixed Home Loans

Rates From:
2.50%^pa

Comparison rate*
2.13%pa

^Terms, conditions and lending criteria apply *Click for important information about comparison rate.

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Variable Home Loans

Rates From^
2.23%^*pa

^Terms, conditions and lending criteria apply *Click for important information about comparison rate.

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Personal Loans

Rates From
6.95%pa

Comparison rate*
7.16%pa

*Click for important information about comparison rate.

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Personal Credit Cards

Rates From*
11.95%pa

*Interest rate on purchases

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Personal Savings

Base Rate
0.25% p.a.

Bonus Rate Conditions apply.

Learn More

Following the Reserve Bank of Australia's increase of the official cash rate on 3 May 2022, you may have questions. 

When will I find out if my variable interest rate is changing?

If your Hume Bank variable home loan interest rate is changing you will receive a letter outlining your new interest rate and new minimum monthly repayment at least 21 days before the new rate becomes effective.  This letter will also include information on how you can change your repayment amount, if you need to.

When does the new interest rate take effect on my loan?

You will get at least 21 days’ notice of a change in the interest rate and your new minimum repayment.

If the variable interest rate on my loan increases do I need to increase my repayments?

You will need to check whether your current repayment covers your new minimum monthly repayment. This new minimum monthly repayment will be included in a letter you will receive before your interest rate changes.  Many customers make repayments that are more than the minimum, so you may not need to increase your repayments.

Do I need to increase my repayments if I’m ahead on my home loan payments?

If you’re ahead on your home loan you may not need to increase your repayments. However, if you are paying less than the minimum monthly repayment, this will affect your redraw amount, and the redraw amount will decrease over time. 

How do I change my future home loan repayments?

If you have a recurring payment set up to transfer funds from your Hume Bank account to your home loan account, you can increase your payment in iBank or our App.

iBank  – Login> Select ‘Transact’ > Future Payments > Options> Change > then follow the prompts to update

App – Login > Select ‘Payments’ > Future Payments > Select the payment you want to change, then follow the prompts to update

If you do not have access to iBank or the App, you can call the Contact Centre on 1300 004 863 or visit one of our branches to adjust the recurring payment.

For recurring payments from a non-Hume Bank Account, you will need to contact the bank you are transferring from.

What do I do if I can’t afford my new repayments?

If you are in financial hardship, we will work with you to explore different options. If this applies to you, please contact us as soon as possible at [email protected] or call our Contact Centre on 1300 004 863.

Can I review and change my home loan?

If you would like to discuss your home loan options, you can speak to a Hume Bank Lender. Hume Bank has launched new home loan products over the last year which might be more suitable to your needs. Scroll to the bottom of this page to book an appointment with one of our lenders. Alternatively you can email [email protected], or call our Contact Centre if you have any questions about making an appointment.

If I’m on a variable rate, how can I change to a fixed rate, and how long does it take?

You can request a change to a fixed rate from a variable rate at any time. It can take a number of weeks for the change to show on your account, however the interest rate will be backdated to the date of offer acceptance. Scroll to the bottom of this page to book an appointment with one of our lenders. Alternatively you can email [email protected], or call our Contact Centre if you have any questions about making an appointment.

If I’m on a fixed rate, will I be impacted by any variable rate changes?

No, not while you remain in your fixed rate loan term. Once your fixed rate loan term finishes, your home loan rate will change to a current variable rate. 

What if I’m in the process of applying for a home loan, what happens to my interest rate?

Speak to the Lender who is managing your loan to discuss what current options might be available for you.

Will deposit rates like Term Deposits also be reviewed?

Yes – we will be reviewing our deposit and lending rates, including Term Deposits and these will be published on our website.

Still have questions? You can reach out to your Lender or feel free to call our Contact Centre on 1300 004 863, Monday to Friday (8:00am to 5:45pm) and Saturday (9:30am to 12:00pm).
 

Keep an eye on our website for updates and further information.

Book an appointment below to review your exisiting Hume Bank home loan.