Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$2,995
LVR —
Summerland Bank Home Loan Rates
Active products
16
Lowest variable
5.99%
Lowest fixed
6.20%
Lowest comparison
6.05%
Last updated
28 July 2026
Summerland Bank is one of the Australian home-loan lenders we track daily. We currently surface 16 active products from Summerland Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest Summerland Bank home loan rate?
The lowest Summerland Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.20% p.a. These figures come from the 14 Summerland Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Summerland Bank offer?
Ratesniffers currently tracks 14 Summerland Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Summerland Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 5.99% p.a. | 6.05% p.a. | 100% |
| Variable Investor P&I | 6.19% p.a. | 6.25% p.a. | 100% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.46% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.22% p.a. | 6.55% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.22% p.a. | 6.58% p.a. | 100% |
| Fixed 4-year Owner-occupier P&I | 6.39% p.a. | 6.58% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.20% p.a. | 6.61% p.a. | 100% |
| Fixed 5-year Owner-occupier P&I | 6.52% p.a. | 6.62% p.a. | 100% |
| Variable Investor P&I | 6.29% p.a. | 6.66% p.a. | 100% |
| Fixed 3-year Investor P&I | 6.42% p.a. | 6.75% p.a. | 100% |
| Fixed 4-year Investor P&I | 6.53% p.a. | 6.76% p.a. | 100% |
| Fixed 2-year Investor P&I | 6.42% p.a. | 6.78% p.a. | 100% |
14 Summerland Bank home loan products
Basic Variable Investment Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.19%p.a.
28d ago
Comparison*
6.25%p.a.
Monthly repayment
$3,059
LVR —
Premium Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.46%p.a.
Monthly repayment
$3,027
LVR —
Fixed Rate Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.22%p.a.
Comparison*
6.55%p.a.
Monthly repayment
$3,069
LVR —
Fixed Rate Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.22%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,069
LVR —
Fixed Rate Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,124
LVR —
Fixed Rate Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.20%p.a.
Comparison*
6.61%p.a.
Monthly repayment
$3,062
LVR —
Fixed Rate Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.52%p.a.
Comparison*
6.62%p.a.
Monthly repayment
$3,167
LVR —
Premium Variable Investment Ln
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.66%p.a.
Monthly repayment
$3,092
LVR —
Fixed Rate Investment Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.42%p.a.
Comparison*
6.75%p.a.
Monthly repayment
$3,134
LVR —
Fixed Rate Investment Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.53%p.a.
Comparison*
6.76%p.a.
Monthly repayment
$3,170
LVR —
Fixed Rate Investment Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.42%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,134
LVR —
Fixed Rate Investment Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.67%p.a.
Comparison*
6.80%p.a.
Monthly repayment
$3,216
LVR —
Fixed Rate Investment Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.81%p.a.
Monthly repayment
$3,124
LVR —
Negotiate Summerland Bank rates with a broker
Advertised rates aren't always the rate Summerland Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Summerland Bank?
Summerland Bank is the customer-owned bank of the NSW Northern Rivers, established in 1964 as Summerland Credit Union and becoming a mutual bank in November 2023. Its heartland runs through Lismore, Ballina and the surrounding towns.
Its community focus is practical: it has banked the region through floods and rebuilds, and profits stay local with its member-owners.
Who suits a Summerland Bank home loan?
Summerland tends to suit Northern Rivers locals who want genuinely community-owned banking with branches in the region. Its rates are often sharp for a small mutual, so check its position in the live table above before assuming a bigger bank prices better.
Background facts checked 21 July 2026. Rates above refresh independently.
Summerland Bank home loans: frequently asked questions
What is the lowest Summerland Bank home loan rate?
Summerland Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.20% p.a., based on the 14 Summerland Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Summerland Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does Summerland Bank's home loan rate compare to the market?
Summerland Bank's lowest variable home loan rate today is 5.99% p.a., which is 10 basis points below the market median of 6.09% p.a., which puts Summerland Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Summerland Bank sits right now rather than a fixed snapshot.
How many home loan products does Summerland Bank offer?
Ratesniffers currently tracks 16 Summerland Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 14 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Summerland Bank competitive for refinancing?
It depends on your loan size and LVR. Summerland Bank's lowest comparison rate is currently 6.05% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Summerland Bank against the sharpest available rate usually pays off.
How often are Summerland Bank's home loan rates updated?
Ratesniffers refreshes Summerland Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Summerland Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
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