compare our home loans

Our home loans are designed with features and benefits so that you have a loan that you will be happy with today and tomorrow.

	‘Wide Bay’ Home Loan*	‘Australian’ Home Loan^	‘Equity’ Home Loan*	‘Professional Australian’ Home Loan*
Package Discounts & Benefits	Home Options Package or 'Widecover Insurepac' insurance discounts	Australian Home Package or 'Widecover Insurepac' insurance discounts	Home Options Package or 'Widecover Insurepac' insurance discounts	‘Professional Australian’ Package
Unique Eligibility Criteria		Only available through accredited brokers & third party introducers
Competitive interest rates	(view comparison rates)
Discounted Start Up Rate	Discount Variable Rate for first 12 months	Discount Variable Rate for first 12 months	Discount Variable Rate for first 12 months
Fixed Rates Options	1, 2 or 3 years	1, 2 or 3 years	1, 2 or 3 years	1, 2 or 3 years
Application Fee	This fee is not applicable to Home Options Package customers	This fee is not applicable to Australian Home Package customers	This fee is not applicable to Home Options Package customers	no - an Annual Package Fee applies
Monthly Fee	Variable Rates Fixed Rates These fees are not applicable to Home Options Package customers	Variable Rates Fixed Rates	Variable Rates Fixed Rates These fees are not applicable to Home Options Package customers	no - an Annual Package Fee applies
Minimum Qualifying Loan Amount				$100,000
Low Deposit	borrow up to 95% (home purchase/construction) and 90% (investment, land, refinance, debt consolidation) of purchase price or valuation (whichever is lesser) - plus any applicable lender's mortgage insurance premium to the loan **
100% offset account savings	“Mortgage Muncher”			“Mortgage Muncher Professional”
Redraw facility
Lump sum or additional payments allowed
Weekly, fortnightly or monthly repayment option
Payment “holiday” allowed
Eligible for a free Holiday on the House#	Standard Variable or Fixed Rates Discount Variable Rate		Standard Variable or Fixed Rates Discount Variable Rate
Free monthly account statements
‘smartlink’ Internet, Mobile and Phone Banking
Insurance Quotes	Free quotes available - Please visit our product pages for more information: Home Building & Contents or Landlord Insurance
Mortgage Repayment Insurance	Helps you meet mortgage repayments if you are unable to work due to injury or illness
Easy repayment options
Loan Consultants	Real people. Real Smiles. Real Service. You know that at Wide Bay Australia there’s always a real person you can count on! Easy!

* This loan is only available through the Wide Bay Australia branch network and is not available to applicants introduced by third parties where Wide Bay has paid brokerage or commission.
^This loan is only available to approved applicants through accredited brokers and third party introducers.
** Different deposit criteria may apply to applicants introduced by third parties where Wide Bay has paid brokerage or commission
Wide Bay Australia Ltd ABN 40 087 652 060 (Australian Credit Licence No: 239686) is the credit issuer. This is not an offer to lend - credit assessment criteria, terms and conditions & fees and charge apply - full details on application. Prior to entering into a credit contract with us you should read our Credit Guide (PDF, 74KB). Loans are only available to approved applicants offering security in approved property in Australia.

# Holidays on the House not available to applicants introduced by third parties where Wide Bay has paid brokerage or commission - full details of qualifying loans are contained in the Terms and Conditions at www.holidaysonthehouse.com.au.