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Personal lending rates

* For the Home Start Mortgage you have the option to either:

pay principal and interest from the outset (see "Variable mortgages" section) or
pay interests only for 3 years (see "Interest only mortgages" section).

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Mortgage rates

Variable mortgages	Maximum term	Repayment	Total rate
100% loan to value - Home Start Mortgage*	30 years	Principal and interest	7.00%
Over 95% loan to value	30 years	Principal and interest	7.00%
Over 80% and up to 95% loan to value	30 years	Principal and interest	6.75%
Up to 80% loan to value	30 years	Principal and interest	6.50%

Interest only mortgages	Maximum term	Repayment	Total rate
3 year variable, 100% loan to value - Home Start Mortgage*	30 years	Interest only for the first 3 years. Principal and interest for the remaining of the period up to 27 years.	7.00%
5 year variable, up to 75% loan to value	30 years	Interest only for the first 5 years. Principal and interest for the remaining of the period up to 25 years.	7.00% 6.50%
10 year variable, up to 65% loan to value	30 years	Interest only for the first 10 years. Principal and interest for the remaining of the period up to 20 years.	7.00% 6.50%

Home Equity	Maximum term	Repayment	Total rate
Loan	10 years	Principal and interest	6.00%
Line of credit	5 years	Interest only	6.00%

Personal loans	Maximum term	Repayment	Total rate
Personal - secured **	10 years	Principal and interest	From 7.50%
Personal - unsecured 80% financing	5 years	Principal and interest	From 8.25%
Debt consolidation 100% financing	5 years	Principal and interest	From 8.50%
Overdrafts	Minimum 3 months Maximum 3 years	Interest only	From 7.50%

Education loans	Maximum term	Repayment	Total rate
Secured **	5 years	Principal and interest	From 6.00%
Unsecured	5 years	Principal and interest	From 7.00%

Vehicle loans	Maximum term	Repayment	Total rate
New vehicles 100% financing	5 years	Principal and interest	From 9.00%
New vehicles 80% financing	5 years	Principal and interest	From 8.00%
Used vehicles	5 years	Principal and interest	From 8.00%
Jet skis, boats, engines 50% financing	5 years	Principal and interest	From 8.50%

**Can only be secured with property or cash

What you should know

Rates and fees are subject to change without notice.
Preferential rates may apply. Come and see us.