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Loan Rates

Unsure which loan best meets your requirements? Read our loan guide, contact Wayne Wilby or Rex Gream, or phone 1300 227 275 for more information.
 

 
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Download Application Forms

Download loan application forms to print and complete offline.

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All Discount Offer Rate loans revert to the equivalent product's variable rate after the initial period.
Variable rates are effective from 31 August 2008 for existing borrowers.
Interest rates are subject to change from time to time in line with movements in the market.
An application fee is payable upon approval of any loan.
Additional Terms and Conditions, fees & charges will apply.
Serviceability criteria apply. Please enquire.
Email Wayne Wilby or Rex Gream, or phone 1300 227 275 for any loan information.

All interest rates subject to change without notice.
Phone 1300 227 275 for current
interest rates.		  
Owner Occupied Housing application formApplication Form
COMPARISON RATE SCHEDULE (What is a Comparison Rate?)
Date of Issue 14 August 2008
  Fixed Interest Rate Loan
  Standard Variable Interest Rate Discount Interest Rate 1 Year Fixed at 2 Years Fixed at 3 Years Fixed at
Annual Percentage Rate (pa) 9.15% 6 Months fixed rate 8.35% then variable rate 9.15% 9.15% then variable rate 9.15% 9.15% then variable rate 9.15% 9.15% then variable rate 9.15%
Amount $ Term Comparison Rate#
10,000 3 years 10.65 10.40 10.65 10.65 10.65
15,000 4 years 9.90 9.70 9.90 9.90 9.90
20,000 4 years 9.71 9.52 9.71 9.71 9.71
25,000 5 years 9.51 9.35 9.51 9.51 9.51
30,000 5 years 9.45 9.29 9.45 9.45 9.45
50,000 7 years 9.28 9.16 9.28 9.28 9.28
70,000 25 years 9.18 9.13 9.18 9.18 9.18
100,000 25 years 9.17 9.12 9.17 9.17 9.17
130,000 25 years 9.17 9.12 9.17 9.17 9.17
150,000 25 years 9.17 9.12 9.17 9.17 9.17
200,000 25 years 9.16 9.11 9.16 9.16 9.16
225,000 25 years 9.16 9.11 9.16 9.16 9.16
250,000 25 years 9.16 9.11 9.16 9.16 9.16
275,000 30 years 9.16 9.11 9.16 9.16 9.16
300,000 30 years 9.16 9.11 9.16 9.16 9.16
# These interest rates are applicable to secured loans only.
WARNING: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan

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Personal Loans application formApplication Form
COMPARISON RATE SCHEDULE (What is a Comparison Rate?)
Date of Issue 14 August 2008
Personal Loans (Secured)  
Fixed Interest Rate Loan
  Standard Variable Interest Rate 1 Year Fixed at 2 Years Fixed at 3 Years Fixed at
  (secured by registered mortgage over real estate) New or used car up to 2 years old      
Annual Percentage Rate (pa) 9.94% 11.94% 11.69% 13.69% 14.69%
Amount $ Term Comparison Rate#
5,000 2 years 13.59 15.43   17.18  
10,000 3 years 11.16 13.11     15.85
15,000 4 years 10.55 12.52      
20,000 4 years 10.40 12.38      
25,000 5 years 10.23 12.22      
30,000 5 years 10.18 12.17      
Personal Loans (Partially Secured or Unsecured)  
Fixed Interest Rate Loan
  Standard Variable Interest Rate 1 Year Fixed at 2 Years Fixed at 3 Years Fixed at
Annual Percentage Rate (pa) 12.69% 13.69% 14.69% 14.94% 15.19% 15.69%
Amount $ Term Comparison Rate
5,000 2 years 16.18 17.18 17.86   18.67  
10,000 3 years 13.85 14.85 15.74     16.85
15,000 4 years 13.27 14.27 15.22      
20,000 4 years 13.13 14.13 15.08      
25,000 5 years 12.97 13.97 14.94      
30,000 5 years 12.92 13.92 14.90      
# These interest rates are applicable to secured loans only.
WARNING: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Personal Overdraft Facility application formApplication Form
Secured 13.45% p.a.
Unsecured 14.69% p.a.

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Investment application formApplication Form
New Borrowers Variable 9.15% p.a.
   
1 Year Fixed 9.15% p.a.
2 Years Fixed 9.15% p.a.
3 Years Fixed 9.15% p.a.

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Commercial Term Loan application formApplication Form
Variable (Base Rate)
* Interest margin may apply subject to credit risk assessment		 9.45% p.a.
1 Year Fixed 9.50% p.a.
2 Years Fixed 9.50% p.a.
3 Years Fixed 9.50% p.a.

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Commercial Overdraft application formApplication Form
Overdraft Variable (Base Rate)
* Interest margin may apply subject to credit risk assessment 		10.94% p.a.

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ABS Building Society Ltd, ABN 84 087 651 938, BSB 630-000
Head Office 101 Faulkner St, Armidale, NSW - ph 1300 227 275- fax 02 6772 9274
email info@absbuildingsociety.com.au

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