Loan Rates
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Owner Occupied Home Loans - Download in PDF
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Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Advantage1 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
| Variable rate (LVR of 60% and below)a | 5.04% pa | 5.10% pab | 5.04% pa | 6.09% pab |
| Variable rate (LVR from 60% to 80%)a | 5.14% pa | 5.20% pab | 5.14% pa | 6.13% pab |
| Variable rate (LVR from 80% to 90%)a | 5.74% pa | 5.81% pab | 5.74% pa | 6.38% pab |
| Variable rate (Above 90% LVR)a | 6.14% pa | 6.21% pab | 6.14% pa | 6.55% pab |
| Variable Standard | 6.99% pa | 7.06% pab | N/A | N/A |
| Variable Bridging Loan | N/A | N/A | 6.99% pa | 7.10% pab |
| Fixed 1 Yearc | 5.49% pa | 6.92% pab | 5.49% pa | 6.92% pab |
| Fixed 2 Yearc | 5.89% pa | 6.86% pab | 5.89% pa | 6.86% pab |
| Fixed 3 Yearc | 6.14% pa | 6.84% pab | 6.14% pa | 6.84% pab |
| Fixed 5 Yearc | 6.54% pa | 6.88% pab | 6.54% pa | 6.88% pab |
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Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Advantage Plus2 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
| Variable rate (LVR of 60% and below)a | 4.94% pa | 5.27% pab | 4.94% pa | 5.71% pab |
| Variable rate (LVR from 60% to 80%)a | 5.04% pa | 5.37% pab | 5.04% pa | 5.75% pab |
| Variable rate (LVR from 80% to 90%)a | 5.64% pa | 5.97% pab | 5.64% pa | 6.00% pab |
| Variable rate (Above 90% LVR)a | 6.04% pa | 6.36% pab | 6.04% pa | 6.17% pab |
| Variable Standard | 5.99% pa | 6.31% pab | N/A | N/A |
| Fixed 1 Yeard | 5.34% pa | 6.25% pab | 5.34% pa | 6.24% pab |
| Fixed 2 Yeard | 5.74% pa | 6.26% pab | 5.74% pa | 6.25% pab |
| Fixed 3 Yeard | 5.99% pa | 6.31% pab | 5.99% pa | 6.30% pab |
| Fixed 5 Yeard | 6.39% pa | 6.49% pab | 6.39% pa | 6.46% pab |
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Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| First Home Buyer Advantage Plus3 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
| Variable rate (LVR of 60% and below)a | 4.69% pa | 4.69% pab | 4.69% pa | 5.17% pab |
| Variable rate (LVR from 60% to 80%)a | 4.79% pa | 4.79% pab | 4.79% pa | 5.21% pab |
| Variable rate (LVR from 80% to 90%)a | 5.30% pa | 5.30% pab | 5.30% pa | 5.41% pab |
| Variable rate (Above 90% LVR)a | 5.30% pa | 5.30% pab | 5.30% pa | 5.41% pab |
| Variable Standard | 5.74% pa | 5.74% pab | N/A | N/A |
| Fixed 1 Yeare | 5.09% pa | 5.68% pab | 5.09% pa | 5.68% pab |
| Fixed 2 Yeare | 5.49% pa | 5.69% pab | 5.49% pa | 5.69% pab |
| Fixed 3 Yeare | 5.74% pa | 5.74% pab | 5.74% pa | 5.74% pab |
| Fixed 5 Yeare | 6.14% pa | 5.91% pab | 6.14% pa | 5.91% pab |
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Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Overdraft | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
| Tide You Over home equity (S33)^ | 7.00% pa | N/A | N/A | N/A |
Investment Home Loans - Download in PDF
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Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Advantage1 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
| Variable rate (LVR of 60% and below)a | 5.34% pa | 5.41% pab | 5.64% pa | 6.57% pab |
| Variable rate (LVR from 60% to 80%)a | 5.44% pa | 5.51% pab | 5.74% pa | 6.61% pab |
| Variable rate (LVR from 80% to 90%)a | 6.04% pa | 6.11% pab | 6.34% pa | 6.86% pab |
| Variable rate (Above 90% LVR)a | 6.44% pa | 6.51% pab | 6.74% pa | 7.03% pab |
| Variable Standard | 7.39% pa | 7.46% pab | N/A | N/A |
| Fixed 1 Yearc | 5.54% pa | 7.29% pab | 5.84% pa | 7.32% pab |
| Fixed 2 Yearc | 5.84% pa | 7.17% pab | 6.14% pa | 7.23% pab |
| Fixed 3 Yearc | 5.94% pa | 7.06% pab | 6.24% pa | 7.15% pab |
| Fixed 5 Yearc | 6.59% pa | 7.12% pab | 6.89% pa | 7.26% pab |
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Principal & Interest | Interest Only | ||
|---|---|---|---|---|
| Advantage Plus2 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
| Variable rate (LVR of 60% and below)a | 5.24% pa | 5.57% pab | 5.54% pa | 6.18% pab |
| Variable rate (LVR from 60% to 80%)a | 5.34% pa | 5.67% pab | 5.64% pa | 6.23% pab |
| Variable rate (LVR from 80% to 90%)a | 5.94% pa | 6.26% pab | 6.24% pa | 6.48% pab |
| Variable rate (Above 90% LVR)a | 6.34% pa | 6.66% pab | 6.64% pa | 6.65% pab |
| Variable Standard | 6.39% pa | 6.71% pab | N/A | N/A |
| Fixed 1 Yeard | 5.39% pa | 6.60% pab | 5.69% pa | 6.63% pab |
| Fixed 2 Yeard | 5.69% pa | 6.57% pab | 5.99% pa | 6.62% pab |
| Fixed 3 Yeard | 5.79% pa | 6.54% pab | 6.09% pa | 6.61% pab |
| Fixed 5 Yeard | 6.44% pa | 6.73% pab | 6.74% pa | 6.84% pab |
Personal Lending - Download in PDF
| Loan Type | Interest Rate | Comparison Rate |
|---|---|---|
| Premium Personal Loan* | 10.74% pa | 10.96% pa5 |
| Personal Loan Variable (L1)** | 12.74% pa | 13.29% pa5 |
| Personal Loan Fixed (L3)** | 12.74% pa | 13.29% pa5 |
| Overdraft (S1)**** | 16.45% pa | N/A |
| Credit Card (S10)4 | 11.99% pa | N/A |
| Consolidator Loan (L8)*** | 16.74% pa | 17.28% pa5 |
Car Loans7
| Up to 3 years old | ||
|---|---|---|
| Loan Type | Interest Rate | Comparison Rate |
| Variable Car Loan | 8.74% pa | 9.42% pa6 |
| Fixed Car Loan | 10.74% pa | 11.42% pa6 |
| Greater than 3 years and up to 7 years | ||
|---|---|---|
| Loan Type | Interest Rate | Comparison Rate |
| Variable Car Loan | 10.74% pa | 11.42% pa6 |
| Fixed Car Loan | 12.74% pa | 13.41% pa6 |
Special Purpose Loan
Contact us for a wide range of special purpose loans:
- Reverse Mortgages
- Leasing
Rates available on request.
Important Information
Interest rates are on a per annum basis. These products are issued by Noor Credits & Security NV. Limited ABN 11 087 650 315 AFSL/Netherland Credit Licence 240399. You should consider our Account & Access Facilities Conditions of Use before making a decision.
Credit eligibility criteria, terms and conditions, fees and charges apply.
* Available to members who have an existing home loan, are home owners or have a term deposit of $20,000 or more. Minimum loan amount $500. Minimum loan period 1 year. Maximum loan period up to 7 years.
** Minimum loan amount $500. Minimum loan period 1 year. Maximum loan period up to 7 years.
*** Minimum loan amount $1,000. Maximum loan period 7 years.
**** Maximum loan amount $40,000.
^ This rate is for secured loans only. Minimum loan amount is $30,000. Maximum loan is 80% of the property value. Interest is calculated daily charged monthly on the portion of the overdraft used.
1. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Noor Credits & Security NV. home loan balance. Minimum loan amount $10,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly.
2. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Noor Credits & Security NV. home loan balance. Minimum loan amount $150,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly.
3. Only available for First Home Buyers. Minimum home loan balance $150,000. Not available for top-ups or internal product switches. Maximum loan period 30 years. Interest rate calculated daily charged monthly.
4. S10 Visa credit card effective date is the 11th December 2023. Minimum credit limit $1,000. Maximum credit limit $30,000 subject to ability to pay.
5. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only.
6. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only.
7. Interest is calculated daily and charged monthly. Minimum loan amount $10,000
a. Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.
b. Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
c. After fixed period interest rate reverts to Advantage standard variable rate.
d. After fixed period interest rate reverts to Advantage Plus standard variable rate.
e. After fixed period interest rate reverts to First Home Buyer Advantage Plus standard variable rate.
WARNING: These Comparison Rates are 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. Comparison rates for Variable Interest Only loans are based on an initial 5 year Interest only period. Comparison rates for Fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Interest rates are on a per annum basis.
