The Rock Building Society Home Loans

The Rock Building Society was formed in 1967 in Rockhampton, Queensland. It was listed on the Australian Securities Exchange in 1992 and is now a division of MyState Bank Limited.

The Rock has a head office in Rockhampton and branches throughout Queensland. It offers a range of financial products including home and personal loans, bank and savings accounts, term deposits, credits card and insurance.

The Rock Building Society has won a number of local business awards, such as the ANZ/Morning Bulletin Best in the Business (Finance and Banking) Award in 2007.

The Rock Building Society Home Loan Calculator
Interested in an The Rock Building Society home loan? RateCity has a suite of calculators that can show you what your repayments would be and how The Rock Building Society compares to its competitors. Simply plug in your borrowing amount below. 

The Rock Building Society home loans

Basic Variable Home Loan (Principal and Interest) (LVR <80%)
Advertised rate
3.88%
Variable
Upfront fee
$350.00
Comparison rate*
3.91%
Ongoing fee
$0
Compare
Basic Variable Home Loan (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.08%
Variable
Upfront fee
$350.00
Comparison rate*
4.11%
Ongoing fee
$0
Compare
Essentials Home Loan (Principal and Interest) (LVR < 80%)
Advertised rate
4.08%
Variable
Upfront fee
$650.00
Comparison rate*
4.13%
Ongoing fee
$0
Compare
Basic Variable Investment Loan (Principal and Interest) (LVR <80%)
Advertised rate
4.18%
Variable
Upfront fee
$650.00
Comparison rate*
4.23%
Ongoing fee
$0
Compare
Essentials Home Loan (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.28%
Variable
Upfront fee
$950.00
Comparison rate*
4.35%
Ongoing fee
$0
Compare
Fixed Rate Home Loan 3 Years (Principal and Interest) (LVR < 90%)
Advertised rate
3.84%
Fixed - 3 years
Upfront fee
$900.00
Comparison rate*
5.40%
Ongoing fee
$5 monthly
Compare
Fixed Rate Home Loan 2 Years (Principal and Interest) (LVR < 80%)
Advertised rate
3.75%
Fixed - 2 years
Upfront fee
$900.00
Comparison rate*
5.53%
Ongoing fee
$5 monthly
Compare
Fixed Rate Investment Loan 3 Years (Principal and Interest) (LVR < 80%)
Advertised rate
4.29%
Fixed - 3 years
Upfront fee
$950.00
Comparison rate*
5.53%
Ongoing fee
$5 monthly
Compare
Fixed Rate Investment Loan (Principal and Interest) 2 Years (LVR < 80%)
Advertised rate
3.99%
Fixed - 2 years
Upfront fee
$650.00
Comparison rate*
5.58%
Ongoing fee
$5 monthly
Compare
Fixed Rate Home Loan 2 Years (Principal and Interest) (LVR 80%-95%)
Advertised rate
4.49%
Fixed - 2 years
Upfront fee
$900.00
Comparison rate*
5.69%
Ongoing fee
$5 monthly
Compare
Fixed Rate Home Loan 1 Year (Principal and Interest) (LVR < 80%)
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$900.00
Comparison rate*
5.75%
Ongoing fee
$5 monthly
Compare
Fixed Rate Investment Loan 1 Year (Principal and Interest) (LVR < 80%)
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$950.00
Comparison rate*
5.79%
Ongoing fee
$5 monthly
Compare
Fixed Rate Home Loan 1 Year (Principal and Interest) (LVR 80%-95%)
Advertised rate
4.49%
Fixed - 1 year
Upfront fee
$900.00
Comparison rate*
5.81%
Ongoing fee
$5 monthly
Compare
Pros:
  • Flexible repayment options.
  • Discounted rates given to large deposits.
  • Interest-only options.
  • Suitable for small deposits.
Cons:
  • Branch access limited to Queensland.
The Rock Building Society customer service:

The Rock Building Society gives home loan customers a number of contact methods. These include a dedicated phone line for home loan customers, as well as a general customer line and a line for those experiencing financial hardship. Customers can also contact the Rock online or via email, or in person at one of their Queensland branches.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Branch

How to Apply

Potential home loan customers at the Rock Building Society can apply for a loan in a variety of ways. There is the option to phone a home loan expert directly on a dedicated phone line, or customers can arrange for a call back via The Rock website. Applications can also be made in person at a local branch, or by appointment. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Proof of personal identification.
  • Details of employment and income.
  • Proof of other earnings, assets and savings.
  • Information on debts, loans, expenses and liabilities.  
  • Personal insurance documents.
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