RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  

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Home Loan Variable: 5.94% (5.95%*) • Home Loan Fixed: 5.79% (6.39%*) • Fixed: 5.79% (6.39%*) • Variable: 5.94% (5.95%*) • Investment IO: 6.19% (6.85%*) • Investment PI: 5.99% (6.61%*)

  CHL Select Term Loan

This easy to use, simple home loan with redraw has everything a property investor needs and nothing they don’t. Whether you’re new to investing or a seasoned purchaser, this loan delivers on all counts.
Category: Home Loans  Last Updated February 20, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information LVR < 80%
Interest Rate
6.13% PA
Comparison Rate
6.14%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.13%
  • Lending Rate Type: Variable
  • Interest Rate: 6.13%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.58%
  • Lending Rate Type: Variable
  • Interest Rate: 6.58%, Comparison Rate 6.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.58%
  • Lending Rate Type: Variable
  • Interest Rate: 6.58%, Comparison Rate 6.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.73%
  • Lending Rate Type: Variable
  • Interest Rate: 7.73%, Comparison Rate 7.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.73%
  • Lending Rate Type: Variable
  • Interest Rate: 7.73%, Comparison Rate 7.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.28%
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.28%
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.73%
  • Lending Rate Type: Variable
  • Interest Rate: 6.73%, Comparison Rate 6.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.73%
  • Lending Rate Type: Variable
  • Interest Rate: 6.73%, Comparison Rate 6.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.23%
  • Lending Rate Type: Variable
  • Interest Rate: 7.23%, Comparison Rate 6.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.23%
  • Lending Rate Type: Variable
  • Interest Rate: 7.23%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.73%
  • Lending Rate Type: Variable
  • Interest Rate: 7.73%, Comparison Rate 7.12%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.73%
  • Lending Rate Type: Variable
  • Interest Rate: 7.73%, Comparison Rate 7.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.28%
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.28%
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.73%
  • Lending Rate Type: Variable
  • Interest Rate: 6.73%, Comparison Rate 6.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.73%
  • Lending Rate Type: Variable
  • Interest Rate: 6.73%, Comparison Rate 6.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.29%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.30%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, VARIABLE, 6.43%
  • Lending Rate Type: Variable
  • Interest Rate: 6.43%, Comparison Rate 6.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.43%
  • Lending Rate Type: Variable
  • Interest Rate: 6.43%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.88%
  • Lending Rate Type: Variable
  • Interest Rate: 6.88%, Comparison Rate 6.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.88%
  • Lending Rate Type: Variable
  • Interest Rate: 6.88%, Comparison Rate 7.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.68%
  • Lending Rate Type: Variable
  • Interest Rate: 6.68%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.68%
  • Lending Rate Type: Variable
  • Interest Rate: 6.68%, Comparison Rate 6.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.13%
  • Lending Rate Type: Variable
  • Interest Rate: 7.13%, Comparison Rate 7.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.13%
  • Lending Rate Type: Variable
  • Interest Rate: 7.13%, Comparison Rate 7.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.74%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.74%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.19%
  • Lending Rate Type: Variable
  • Interest Rate: 7.19%, Comparison Rate 7.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.19%
  • Lending Rate Type: Variable
  • Interest Rate: 7.19%, Comparison Rate 7.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.68%
  • Lending Rate Type: Variable
  • Interest Rate: 6.68%, Comparison Rate 6.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.68%
  • Lending Rate Type: Variable
  • Interest Rate: 6.68%, Comparison Rate 6.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.13%
  • Lending Rate Type: Variable
  • Interest Rate: 7.13%, Comparison Rate 7.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.13%
  • Lending Rate Type: Variable
  • Interest Rate: 7.13%, Comparison Rate 7.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.59%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  OWNER_OCCUPIED, VARIABLE, 6.38%
  • Lending Rate Type: Variable
  • Interest Rate: 6.38%, Comparison Rate 6.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  INVESTMENT, VARIABLE, 6.68%
  • Lending Rate Type: Variable
  • Interest Rate: 6.68%, Comparison Rate 6.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: Online redraw available
  • Other Additional Information: No Monthly Fee
  • Other Additional Information: Unlimited additional repayments if variable, up to $20,000 when fixed
  • Other Additional Information: Variable or Fixed Rate
  • Offset Additional Information: 100% Offset Account available on Fixed and Variable rate loans

 Product Eligibility

  • Min Age - 18.

 Bank Fees and Charges

  • Loan Processing Fee - Construction (Upfront), Amount: 775.00.
  • Loan Processing Fee (Upfront), Amount: 299.00.
  • Additional Processing Fee Per Split Loan (Event), Amount: 0.00.
  • Settlement Fee (Upfront), Amount: 199.00.
  • Valuation Fee (Upfront), Amount: 0.00. Additional Information: Total cost of valuations to be calculated with Bank covering up to $300. If total amount is under $300, the customer will not be required to pay. Any amount over $300 will be paid by the customer.
  • Manual Redraw Fee (Event), Amount: 50.00. Additional Information: This fee is charged when you redraw all or part of any repayments made on your loan. (not charged for redraws performed through online banking services)
  • Repayment Recalculation Fee (Event), Amount: 50.00. Additional Information: This fee is charged each time you request that we agree to a decrease in your repayments
  • Loan Variation Fee - Simple (Event), Amount: 150.00. Additional Information: This fee is charged if you apply for us to: Vary your existing contract, Convert to another annual percentage rate, Agree to a request to a consent or change of borrower details, Release or substitute a security (a discharge administration fee may also be payable)
  • Loan Variation Fee - Complex (Event), Amount: 300.00. Additional Information: This fee is charged if you apply for us to • Change your product • Remove a guarantor • Increase your loan • Agree to a sub division
  • Discharge Administration Fee (Event), Amount: 325.00.
  • Loan Processing Fee - Bridging Loan (Upfront), Amount: 1500.00.
  • Loan Processing Fee - Bridging / Construction (Upfront), Amount: 1500.00.
  • Offset Admin Fee (Periodic), Amount: 10.00.
  • Loan Variation Fee (Event), Amount: 150.00. Additional Information: This fee is charged if you apply to us to vary existing contract before settlement occurs.

 Limitations & Restrictions (Constraints)

  • Min Limit of 10.000 Additional Information: Ten Thousand
…

Download our 40-page First Home Buyer Guide on buying your first home for a better understanding of the process.

 

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
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