Investment Interest Rates

Effective 29 November 2016

Term InvestmentsInterest Rate Per Annum
Term $5,000 - $24,999 $25,000 - $99,999 $100,000 - $200,000
1 Month 1.30% 1.40% 1.50%
2 Months 1.30% 1.40% 1.50%
3 Months 2.30% 2.40% 2.50%
4-5 Months 1.55% 1.65% 1.75%
6 Months 2.40% 2.50% 2.60%
7 - 11 Months 1.55% 1.65% 1.75%
12 - 17 Months
Interest Half Yearly
2.50% 2.60% 2.70%
12 - 17 Months
Interest On Maturity
2.55% 2.65%

2.75%

18 - 24 Months
Interest Half Yearly
2.65% 2.75% 2.85%
18 - 24 Months
Interest On Maturity
2.75% 2.85% 2.95%

Please note - Investments greater than $200,000 are subject to daily quotation. Please contact our Client Services Centre on 1300 306 716 for a quotation.

Regular Income InvestmentsInterest Rate Per Annum
Term $5,000 - $19,999 $20,000+
12 Months 2.45% 2.55%
24 Months 2.50% 2.60%

Things you need to know:

Terms and conditions including fees and charges apply. Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application. Interest rates are subject to change without notice and should be verified with your local branch.

Business Interest Rates

Effective 1 December 2016

Business Loan & Overdraft Interest Rates

Business LoanFixed Rate (p.a.)Variable Rate (p.a.)
Commercial Facility – Principle & Interest Available on application Available on application
Commercial Facility – Interest Only n/a Available on application
Business Overdraft n/a Available on application

Effective 1 December 2016

Business Account Rates

Business Banking AccountsInterest Rate
Business Advantage
$1 - $4,999 0.00% p.a.
$5,000 - $19,999 0.05% p.a.
$20,000 - $49,999 0.10% p.a.
$50,000+ 0.20% p.a.
Resi Invest Advantage
No Interest is paid on this account
Community Advantage
No Interest is paid on this account
Business iCash
$1 - $4,999 0.00% p.a.
$5,000 - $49,999 0.75% p.a.
$50,000 - $499,999 1.40% p.a.
$500,000+ 1.50% p.a.

To find out more, call our Business Banking Manager, Kris Wye, on 0455 093 421.

Things you need to know:

Terms and conditions including fees and charges apply. Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application. Interest rates are subject to change without notice and should be verified with your local branch. All applications are subject to B&E's credit assessment criteria.

Everyday & Savings Interest Rates

Effective 1 December 2016

Everyday Banking AccountsInterest Rate
Everyday Advantage
$1 - $4,999 0.00% p.a.
$5,000 - $19,999 0.01% p.a.
$20,000+ 0.05% p.a.
iAdvantage
No Interest is paid on this account
Pension Advantage
$1-$1,999 0.00% p.a.
$2,000-$39,399 1.00% p.a.
$39,400+ 1.50% p.a.
Youth Advantage
$1.00+ 1.25% p.a.
Home Advantage
No Interest is paid on this account
Super Advantage
$1.00+ 1.40% p.a.
Smart Advantage (not for sale)
$1 - $4,999 0.00% p.a.
$5,000 - $19,999 0.01% p.a.
$20,000+ 0.01% p.a.
 

Effective 1 January 2017

Savings AccountsInterest Rate
Serious Saver
$1.00+ 1.50% p.a.
Christmas Saver
$1.00+ 1.25% p.a.
iCash
$1 - $4,999 0.60% p.a.
$5,000 - $49,999 0.75% p.a.
$50,000 - $499,999 1.40% p.a.
$500,000+ 1.50% p.a. 

Things you need to know:

Terms and conditions including fees and charges apply. Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application. Interest rates are subject to change without notice and should be verified with your local branch.

Personal Loan & Credit Card Interest Rates

Effective 1 March 2016

Personal Loan Interest Rates

LoanVariable Rate (p.a.)Comparison Rate (p.a.)#
Personal Loans (Secured - car, motorcycles, boats, caravans & Campervans)
New vehicle (up to 2 years) 7.95% 8.93%
Used vehicle (2 to 7 years) 9.99% 10.96%
Used vehicle (7+ years) 12.99% 13.86%
Personal Loans (Unsecured)
General Purpose Loan 12.99% 13.86%
Personal Loans (Secured by Residential Real Estate*)
Secured Personal Loan 7.69% 8.67%

Credit Card Interest Rates

VISA Credit CardVariable Rate (p.a.)
Purchases 12.99%
Cash Advances 19.99%

Things you need to know:

Terms and conditions including fees and charges apply. Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application. Interest rates are subject to change without notice and should be verified with your local branch.

Applications are subject to B&E's credit assessment criteria.

Minimum loan amount $3,000.

*Available to B&E home loan clients.

#The comparison rates are calculated on the basis of a loan of $30,000 over a term of 5 years.

WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate, but may influence the cost of the loan.

Home Loan Interest Rates

Effective 23 December 2016

Home LoansAnnual Rate (p.a.)Comparison Rate (p.a.)#Annual Rate (p.a.)Comparison Rate (p.a.)#
FlexiDiscount Home Loan
  <80% LVR* >80% LVR
Variable LVR ≤80% 3.99%  4.11% N/A N/A
Discounted Variable 5.02% 5.13%   5.02% 5.18%
1 year fixed  4.09% 5.04%  4.49% 5.13%
2 years fixed 3.99% 4.94% 4.39% 5.06%
3 years fixed 4.29%  4.94%  4.69% 5.09%
4-5 years fixed On application On application On application On application
Flexichoice Home LoaN
Standard Variable 5.12% 5.23% 5.12% 5.28%
1 year fixed 4.19% 5.14% 4.59% 5.23%
2 years fixed 4.09% 5.04% 4.49% 5.16%
3 years fixed 4.39% 5.04% 4.79% 5.19%
4-5 years fixed On application On application On application On application
Home LoansFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
Topline Home LoaN
 LVR ≤90%^
($100k+)
- 4.19% 4.23%
LVR >90%^
($100k+)
- 4.69% 4.73%
FlexiLinE
Standard Variable - 5.12% -

Residential Investment Loan Interest Rates

Residential Investment LoansFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
Topline Home Loan
LVR ≤90%^
($100k+)
  4.49% 4.53%
LVR >90%^
($100k+)
- 4.99% 5.03%
Flexichoice Home Loan
Standard Variable - 5.42% 5.58%
1 year fixed 4.79% - 5.51%
2 years fixed 4.89% - 5.48%
3 years fixed 4.99% - 5.46%
4-5 years fixed On application - On application
FlexiLine Loan
Standard Variable - 5.42% -

Things you need to know:

Terms and conditions including fees and charges apply. Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application. Interest rates are subject to change without notice and should be verified with your local branch.

Applications are subject to B&E's credit assessment criteria.

#The comparison rates are calculated on the basis of a secured loan of $150,000 over a term of 25 years.

WARNING: This comparison rate is true only for the example(s) given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting your local B&E branch.

*Application fee waived for a limited time only for qualifying owner occupied loans where the LVR is less than or equal to 80% (including Lender’s Mortgage Insurance).

^ Topline: Loan to Valuation Ratio (LVR), including Lenders Mortgage Insurance (LMI), must be less than or equal to 90%.

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