Would you like to win a dream holiday?

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.

5.Rate applicable to owner occupied. A different rate applies for investment. See our rates chart or contact us for more information. 

6. Although this product has no set minimum repayments, customers should aim to repay their overdraft as soon as possible to minimise any fees and interest.

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.

Loans Fees & Charges, Loans Rates

Win a Holiday campaign:

1 – Promotion Period  
The promotion commences on 8 March 2026 and closes on 15 June 2026 (“Promotion Period”).  

2 – Eligibility  
An individual will be eligible to participate in the promotion if they meet all of the following criteria:  
(a) entry is open to Australian residents aged 18 years or over, excluding residents of the Australian Capital Territory;  
(b) take out a new eligible home loan product with Summerland Bank that is approved and drawn down during the Promotion Period;  
For the purposes of this promotion, a “new home loan” is a loan that is newly approved and drawn down during the Promotion Period. This excludes loan variations, internal refinances, product switches, loan increases, redraws, equity releases, restructures, or extensions to existing loans. Conditionally approved loans that are yet to be drawn down are not eligible.  
(c) the prize draw is not eligible with any other offer.

3 – Entries  
Eligible customers will automatically receive one (1) entry into the prize draw for each eligible new home loan drawn down during the Promotion Period. No separate entry is required. A maximum of one (1) prize will be awarded per customer, regardless of the number of eligible entries received. Refer to the privacy statement on how information is collected, used or stored.  

4 – Joint Applications  
Where an eligible home loan is taken out by more than one borrower, only one (1) entry will be allocated per eligible loan. The entry will be allocated to the primary applicant as recorded by Summerland Bank.  

5 – Promoter  
The promoter is Summerland Bank, a business name of Summerland Financial Services Limited (ABN 23 087 650 806), Australian Financial Services Licence and Australian Credit Licence No. 239238. Located at: 101 Molesworth Street, Lismore, NSW. 

6 – Prize Pool  
The total prize pool consists of one (1) travel voucher valued at $5,000, redeemable at Helloworld Travel Lismore | Ballina (the Prize). The Prize is subject to the terms and conditions of the voucher issuer and must be redeemed in accordance with those terms. The Prize will be delivered within 7 days. The Prize is not transferable, exchangeable or redeemable for cash.  

Any ancillary costs associated with redeeming the Prize, including travel, accommodation, insurance or additional expenses, are the responsibility of the winner unless otherwise stated.  

7 – Prize Draw  
The prize draw will be conducted on 16 June 2026. The winner will be selected at random using an electronic name selection tool at Summerland Bank head office, 101 Molesworth Street, Lismore. The winner will be notified by phone and registered mail. The winner’s name will be published on summerland.com.au.   

8 – Gift Voucher Terms and Conditions  
(a) Gift Vouchers are valid for 3 years from date of issue. Unused values will not be refunded or attributed to any booking after the expiry date.  
(b) Gift Vouchers must be redeemed through Helloworld Travel Lismore or Helloworld Travel Ballina**  

(c) Gift vouchers cannot be redeemed for cash, returned for a refund, have their balances consolidated to a new voucher or be replaced after expiry and are not legal tender.  

(d) Valid for new bookings only and cannot be applied to any existing bookings. The gift voucher must be presented at the time of booking.  
(e) If your booking value exceeds the value of the gift voucher, balance must be paid by another accepted form of payment (Credit Card -Visa, Mastercard, American Express, Cash, Bank Deposit, American Express Rewards)  
(f) Helloworld Travel Lismore and Helloworld Travel Ballina Gift Vouchers** are non-refundable, non-transferable and not redeemable for cash.  

**Lismore Travel Pty Ltd ATF BA Durheim Family Trust trading as Helloworld Travel Lismore and Helloworld Travel Ballina ABN 68 550 978 244  

9 – General  
The promoter reserves the right to amend, suspend or cancel the promotion if circumstances arise beyond its reasonable control.