Lending Rates

Interest rates are current as of today and were last updated on 19 January 2012. All interest rates are subject to change.

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Our lending criteria, terms, conditions and fees apply. Interest rates are subject to change.

Home Lending

Thoroughbred Home Loan Interest Rates

Product at a glance
Floating Interest Rate 5.74% p.a.
Fixed Interest Rates
6 months 5.65% p.a.
1 year 5.70% p.a.
18 months 5.89% p.a.
2 years 5.79% p.a.
3 years 6.45% p.a.
4 years 6.85% p.a.
5 years 7.25% p.a.
Tideover Interest Rate 5.74% p.a.

Thoroughbred Flexible Home Loan

Product at a glance
Flexible Interest Rate 5.85% p.a.

Personal Lending

†The Tertiary and Graduate Loan interest rates are only available as part of our Tertiary Plus and Graduate Plus packages
Personal Loan - Up to $9,999 Interest Rate 17.95% p.a.
Personal Loan - $10,000+ Interest Rate 16.95% p.a.
Tertiary Loan Interest Rate † 11.95% p.a.
Graduate Loan Interest Rate † 11.95% p.a.
Personal Loan for Debt Consolidation
special interest rate available until 31 March 2012
 14.95% p.a.

Credit Cards

Platinum Visa Card

Product at a glance
Purchase Rate 19.95% p.a.
Cash Advance Rate 19.95% p.a.

Thoroughbred Card

Product at a glance
Purchase Rate 19.95% p.a.
Cash Advance Rate 19.95% p.a.

Gold Thoroughbred Card

Product at a glance
Purchase Rate 19.95% p.a.
Cash Advance Rate 19.95% p.a.

Visa Classic Card

Product at a glance
Purchase Rate 19.95% p.a.
Cash Advance Rate 19.95% p.a.

Visa Gold Card

Product at a glance
Purchase Rate 19.95% p.a.
Cash Advance Rate 19.95% p.a.

Freestyle

Product at a glance
Purchase Rate 16.50% p.a.
Cash Advance Rate 16.50% p.a.

Low Interest Visa

Product at a glance
Purchase Rate 13.90% p.a.
Cash Advance Rate 13.90% p.a.
National Bank Saving and Investment Selector