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Product comparison
This page provides a comparison of our four home loan products to help you select the best one for your individual circumstances.
If you'd like to compare our home loan products against a competitor's you may also find our online Key Fact Sheets generator helpful.
| Topline | FlexiChoice | FlexiDiscount | FlexiLine‡ | |
|---|---|---|---|---|
| Home Loans | ||||
| Variable Interest Rate | Yes | Yes | Yes | Yes |
| Discount From Standard Home Loan Variable Interest Rate |
Up to 0.58%+ | N/A | 0.10% | N/A |
| 1 Year Introductory Rate | No | Yes | No | No |
| 1-5 Year Fixed Rate Options~ | No | Yes | Yes~ | No |
| Standard Application Fee^ | $650^ | $650^ | $650^ | $650^ |
| Monthly Service Fee | N/A | $10 | $10 | $10 |
| 100% Mortgage Offset Loan Saver Account# | Yes | Yes | No | N/A |
| Additional Repayments Allowed* | Yes | Yes | Yes | N/A |
| Redraw Available | Yes | Yes | Yes | N/A |
| Redraw Fee – branch | $20 | $20 | $20 | N/A |
| Redraw Fee – online | $10 | $10 | $10 | N/A |
| Minimum Redraw | $200 | $200 | $200 | N/A |
| Minimum Loan Amount | $150,000 | N/A | N/A | $20,000 |
| Residential Investment Loans | ||||
| Available | Yes | Yes | No | Yes |
| 100% Mortgage Offset Loan Saver Account# |
No | No | N/A | N/A |
| Interest Only option available | Yes | Yes | N/A | N/A |
Terms and conditions, including fees and charges, apply to B&E home loan products. Full details are available on application.
* A Break Cost Fee may apply to fixed rate loans discharged in full or converted during a fixed rate period. The standard discharge fee applies to all home loan types.
# Subject to satisfying the minimum monthly repayment commitment detailed in the loan contract.
^ Standard Application Fee applies where there is one (1) residential security property located in a metropolitan area. Further costs apply for any additional security properties where applicable and for any additional expenses charged by the valuer where the security property is not located within a metropolitan area. Excludes Govt fees and charges. Additional fee of $200 applies for construction loans.
+ Discount from standard Home Loan Variable Rate is 0.48% p.a. for loans from $150,000 to $249,999 and 0.58% p.a. for loans $250,000 and above.
~ Discount from standard FlexiChoice fixed interest rate options (1 to 5 years) is 0.10% p.a.
‡ Each month you must pay us the amount of any interest, fees and charges debited to the loan account during the previous month. Interest is calculated daily on the loan account balance and debited monthly to the loan account on the last day of each month. In addition, you must immediately pay us any amount by which the loan account balance exceeds the amount of credit. FlexiLine is available for personal, domestic or household use or for investment in residential property. Applications are subject to B&E's credit assessment criteria. Minimum FlexiLine limit is $20,000.