Unlock the equity in your home
If you’re a homeowner, before you put that next big purchase on your credit card, you may want to consider a line of credit on your home loan.
Interest rate structure
$20k - $100m
Principal & interest
Loan term range
1 - 30 years
Partial offset account
Unlimited extra repayments
Redraw fee: $0
Allows split interest
Estimated upfront fees
Minimum SMSF Amount
Interest Only option available.
Bank of us is one of the oldest financial institutions in Australia. Bank of us boasts more than 35,000 clients and a select number of branches throughout Tasmania.
Launched in 1870 as a building society, with the aspiration of helping local people to own their own homes at a time when there was no public housing in Tasmania, Bank of us has evolved to also offer personal and business banking solutions. Its name changed from B&E Personal Banking in October 2017.
Bank of us home loan calculator
Interested in a Bank of us home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Bank of us compares to its competitors. Simply plug in your borrowing amount below.
We ask for your contact details so we can get in touch with you if you are our winner!
We may also use your information to keep you up to date on future RateCity initiatives and news, if you select this option. You can opt out at any time.
If, after checking how much you could save on a lower home loan rate, you choose to get more help from a home lender or mortgage broker, you can choose to let us pass your contact details directly on to this lender or broker so they can contact you.
You can only check your rates once. However we will send you, via email, the link to the result page so that you may return to it.
The Rate Guarantee is RateCity putting its money where its mouth is. We believe that too many Australians are paying too much for their home loans. We’re so confident we can help Aussies save money, if we can’t beat your current rate, we’ll give you a $100 gift card.*
There are three reasons it pays to check your rate with the RateCity Rate Guarantee:
This competition is currently for home loans only.
You may still be able to save money by checking the interest rates, fees, and charges on your personal loan, car loan or credit card – compare your options at RateCity.
But keep your eyes open – we may add options for car loans, personal loans, credit cards and more in the future.
If we can’t beat your current home loan rate, you can claim your $100 gift card by confirming your home loan details with us.*
To do this, on your results page you’ll need to securely upload a home loan document or statement from your lender that can be used to confirm the home loan details you provided. This should outline the following information:
We’ll keep your information private and confidential and only use your document to confirm your entry.
We use your current mortgage details to calculate the potential savings if you were to change lenders, and also to help us point you to loans that may meet your needs.
For example – if you live in the house you own, we’ll make sure we show you the owner-occupier rates, which are typically cheaper than investor rates. Or if you have less than 20% equity in your property, then we won’t show you the deals that require a greater amount of equity.
To check your rate, start by entering your contact details and home loan information at ratecity.com.au. We’ll compare your current home loan to other options in our database, and let you know how much you could save by refinancing.
If we can’t beat your current rate, you can claim a $100 gift card by confirming your home loan details with us.*
Whether we find you a lower rate or not, all entries will go in the draw to win a chance at $1 million.^
The mortgage market changes constantly. Every week, new products get launched and existing products get tweaked. Yet many ratings and awards systems rank products annually or biannually.
We update our product data as soon as possible when lenders make changes, so if a bank hikes its interest rates or changes its product, the system will quickly re-evaluate it.
Nobody wants to read a weather forecast that is six months old, and the same is true for home loan comparisons.
Real Time RatingsTM is the only online system that ranks the home loan market based on your personal borrowing preferences. Until now, home loans have been rated based on outdated data. Our system is unique because it reacts to changes as soon as we update our database.