Keep it Simple
Home loans made easy, so you can focus on what matters most.
Options and flexibility - for peace of mind.
Home loans aren’t one‑size‑fits‑all. That’s why we offer a range of home loan options designed to give you flexibility today and confidence for tomorrow.
Whether you’re looking for the certainty of a fixed rate, the flexibility of a variable rate, or a mix of both, we can help you choose a loan structure that suits your goals — and gives you peace of mind along the way.
Choose a home loan right for you.
For many Australians, owning a home isn’t just about the bricks and mortar – it’s about living a dream of safety, security, stability, and connection. We are here to help make that happen.
Choose from Summerland Bank’s range of competitive fixed and variable home loan rates to get the right fit for your needs. Applying online or in-branch is easy, and you’ll love the difference of a community-owned bank with all the bells and whistles.
Basic Home Loan
5.99% p.a. | 6.05% p.a.
Variable rate1 | Comparison rate³
Keep things simple with a variable home loan featuring generous redraw options and a low ongoing rate. Learn more
Premium Home Loan
6.09% p.a. | 6.46% p.a.
Variable rate2 | Comparison rate³
Take things up a notch with our Premium Home Loan offering. Perks like offset and pricing concession on products such as credit card. Learn more
Eco Home Loan
5.94% p.a. | 6.00% p.a.
Variable rate1 | Comparison rate³
Ideal for the conscious consumer, this loan is specially designed for borrowers looking to make an environmentally sustainable purchase while keeping their rates low. Learn more
Fixed Rate Loan
6.20% p.a. | 6.61% p.a.
1 year Fixed rate1,4 | Comparison rate³
For ultimate peace of mind, a fixed rate loan gives you certainty on upcoming repayments and the flexibility of a redraw. Learn more
Choose your option.
Three ways to structure your home loan. Everyone’s situation is different. Here’s a simple way to understand your options.
Learn more about loan options.
Fixed rate
Fix your interest rate for a set period, so your repayments stay the same. Ideal if you value stability and predictable budgeting.
Variable rate
Your rate can move over time, and you may benefit from features like offset and redraw. Ideal if you want greater flexibility.
Split loan
Combine fixed and variable in one loan, giving you a balance of certainty and flexibility. A popular option if you want the best of both worlds.
Buying your first home?
Taking the leap into home ownership is exciting. We’re here to help you every step of the way. Our first home buyer loan solutions are designed to support you from start to settlement.
Need help choosing?
You don’t need to work it all out on your own. Our lenders will take the time to understand what matters to you and help you choose the option that fits — now and into the future.
Book a call using the form below or Apply online today.
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The legal stuff
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.
Products are issued by Regional Australia Bank Ltd trading as Summerland Bank (ABN 21 087 650 360). AFSL & Australian Credit Licence 241167. 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.
This is general advice only and may not be right for you. Please read the Credit Guide, Financial Services Guide, Accounts & Access Facility Conditions of Use and Loan Fees and Charges schedule before making decisions. A copy can be obtained online from one of our branches, or by contacting us on 1300 728 728. Target market determination available on request at our branches.