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*	‘Wide Bay Options’ Home Loan*	‘Australian’ Home Loan	‘Equity’ Home Loan*	‘Professional Australian’ Home Loan*
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	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					no - an Annual Package Fee applies
Monthly Fee	Variable Rates Fixed Rates	Variable Rates Fixed Rates	Variable Rates Fixed Rates	Variable Rates Fixed Rates	no - an Annual Package Fee applies
Unique Eligibility Criteria
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 Wide Bay Holiday#	Standard Variable or Fixed Rates Discount Variable Rate	Standard Variable or Fixed Rates Discount Variable Rate		Standard Variable or Fixed Rates Discount Variable Rate
Free monthly account statements
‘smartlink’ Internet and Phone Banking
Package Benefits	'Widecover Insurepac' insurance discounts	'Widecover Insurepac' insurance discounts	'Widecover Insurepac' insurance discounts	'Widecover Insurepac' insurance discounts	‘Professional Australian’ Package
Insurance Quotes	Free quotes available - Please visit our product pages for more information: Home Building & Contents or Landlords 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.
** Different deposit criteria may apply to applicants introduced by third parties where Wide Bay has paid brokerage or commission
This is not an offer to lend - all loans are subject to terms and conditions. Fees & charges are payable. Full details are available on application. Loans are only available to approved applicants offering security in approved property in Australia.

# Wide Bay Holidays 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.widebayholidays.com.au.