Hot Rates
Discover our hottest rates on loans designed to help you save more as you take the next step in your homeownership or investing journey.
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What brings you here today?
Home loans that make sense and create comfort.
Summerland is your key to achieving your dream home anywhere in Australia.
We offer a range of tailored home loans with 4 flexible options, perfectly suited to meet the needs of everyday Australians while providing a local customer service experience.
All our award winning home loans include:
- Loan term options (1 to 30 years).
- Redraw facility for accessing extra repayments.
- Ability to make extra repayments without penalties.
- Mortgage insurance for high Loan-to-Value Ratio (LVR) loans.
- Online banking and mobile app access for convenience.
5.69% p.a.
5.74% p.a.
$0
5.74% p.a.
6.12% p.a.
$380
5.34% p.a.
3 years Fixed rate1
6.32% p.a.
$0
5.59% p.a.
5.64% p.a.
$0
Making finances a breeze
At Summerland Bank, we offer a wide range of innovative personal banking services tailored to your needs. Whether you’re just starting out on your financial journey, or you’re looking to take your banking to the next level, choose the account that’s right for you.
Our bank accounts offer:
- Quick access to your money
- Options for youth
- Ability to pay using Visa card and digital wallets
- Online banking and mobile app access for convenience.
- Choice of savings accounts options
Simple and easy to use
Earn more on your hard earned money
Peace of mind with a fixed return
Your dreams, backed by us
No matter your needs, Summerland Bank offers a range of competitive, flexible, and low interest loans designed to help you reach your potential.
- Fast loan approval
- Tailored repayment options
- No hidden fees
- No deposit required
- Consolidation made easy
- Online and digital banking
11.49% p.a.
13.73% p.a.
$0
No penalties for extra payments
7.19% p.a.
7.84% p.a.
Flexibility
Redraw facility
Lets you use the value of your home for a personal loan at a reduced rate.
8.19% p.a.
Variable rate
8.78% p.a.
Flexibility
Redraw facility
9.42%
Variable rate
9.61% p.a.
Comparison rate1
$0
Ongoing monthly fees
You get the credit with Summerland
Unlock convenience and competitive rates with our range of credit cards designed with your best interests at heart.
- Low rates for maximum peace of mind
- Safe and secure
- Tailored repayment options
- Friendly service
$49
Annual fee waived for the first year
11.99%
Purchase rate
56 days
Interest free period
A credit card that really does live up to its name, turn every swipe into an opportunity with a Summerland Bank Rewards Credit Card.
$79
Annual fee waived for the first year
18.99%
Earn points
1 point for every $2 spent on eligible purchases
Three reasons to make the switch
Joining a local and customer-owned bank like Summerland has never been easier, nor more important. Because in a world that seems to be increasingly focused on helping yourself, we will never stop helping others, and supporting our local community.
- Proudly located across Northern Rivers NSW and regional communities
- A more personalised banking experience
- A braver kind of banking
With branches throughout the Northern Rivers NSW and South East Queensland, we offer good old-fashioned customer service with all the bells and whistles of a modern bank.
Whether it’s your first-ever account or you’re looking for a fresh start away from the ‘bigger guys’, we can get you up and running in minutes – online, over the phone, or in a local branch.
Going beyond traditional definitions of sustainability, we prioritise growth that is ethical, responsible and doesn’t cost the earth, while delivering value for our customers.
Showing up for community
Owned by customers, operated by locals
Summerland Bank has been a vital part of the Northern Rivers NSW and surrounding regional communities for 60 years and counting. Founded on a belief in the power of the collective, we pride ourselves on always being there to support our community, in both the good times and the challenging ones. With branches conveniently located throughout the region, and innovative online banking services, we offer good old-fashioned customer service with all the bells and whistles of a modern bank.
Better for you, better for the planet
Beyond traditional definitions of sustainability
Actively pursuing environmental and socially sustainable business practices, we go beyond traditional definitions of sustainability to make sure we are working and growing in an ethical and responsible way. As a certified B Corporation, we are focused on delivering value for all of our stakeholders, which includes the planet we all share. It’s about being able to provide a braver banking alternative and protecting our natural heritage long into the future.
Banking the way it should be
Good old-fashioned customer service
At Summerland Bank, we believe in a friendly, personalised kind of banking. That’s why, in addition to online and phone banking services, we also have a number of local and accessible branches across the Northern Rivers NSW and South East Queensland. Our branches are places where faces are familiar, your needs are understood, and your values are shared. So, come on in and experience good old-fashioned customer service, with all the bells and whistles of a modern bank, and see what makes banking with us truly special.
Technology at your fingertips
Technology at your fingertips
At Summerland Bank, we leave no stone unturned to ensure that your money is both easy for you to access and well protected. Our innovative internet banking platform and app puts financial control back in your hands and gives you ultimate peace of mind when it comes to your money. Complete with robust encryption software, biometric features and advanced security measures, feel confident your money is safe and secure with all the tools you need to manage accounts, make transactions, and access your finances securely and conveniently online, anytime.
The fine print
Home Loans:
1. Eligibility for the advertised rate: Minimum new loan amount $150,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
2. Eligibility for the advertised rate: Minimum new loan amount $500,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
3. Comparison rate is based on a loan of $150,000 over 25 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
4. Loan reverts to applicable variable rate on maturity of the fixed period.
Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.
Target market determination available on request at our branches.
Personal & Car Loans:
1. The comparison rate is based on a secured loan of $30,000 over 5 years.
2. The comparison rate is based on a secured loan of $10,000 over 3 years.
3. Limited to cash held in a Summerland savings or fixed term deposit account.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.
Target market determination available on request at our branches.
Credit Cards:
Credit cards issued by Summerland Bank ABN 23 087 650 806 Australian Credit Licence 239 238 AFSL 239 238. Conditions, fees and charges apply. All information is correct as at 31/1/24 and is subject to change. Full details available on application, in the Detailed Credit Card Product Guide and at summerland.com.au. Lending criteria apply.
1. 0% Interest on balance transfer and 0% transfer fee only applies to balances transferred for a period of 12 months from the date the credit card application is approved and excludes purchases made during this period, Offer limited to Rewards credit card only.
2. Reward points given only on the Rewards Credit Card.
3. 0% Interest on balance transfer and 0% transfer fee only applies to balances transferred for a period of 9 months from the date the credit card application is approved and excludes purchases made during this period, Offer limited to Low Rate credit card only.
At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the purchase rate and accrues interest from the expiry date at the purchase rate, currently 18.99% pa (rewards credit card) and 11.99% (low Rate credit card). The interest rate is variable and subject to change. The amount transferred must not be less than $1,000. Minimum monthly payments apply during the interest free period. Offer available in respect of balances transferred from non-Summerland credit card accounts issued in Australia only. Offer only available to new credit cards accounts. Target market determination available on request at our branches.
Detailed Credit Card Product Guide Credit Card Key Fact Sheet
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