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The following rates apply to SGE's loan products and are correct as at
11th December 2008. (Effective for new members only).
Effective 01 Feb 2009 for existing members
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| Home Loans: |
| Product Type |
Annual % Rate |
Comparison Rate* |
| Benchmark Standard Variable |
6.69% pa |
6.74% pa |
| Home Equity Loan |
6.69% pa |
6.74% pa |
| 1 Year Fixed Rate |
7.19% pa |
6.79% pa |
| 2 Year Fixed Rate |
7.19% pa |
6.84% pa |
| 3 Year Fixed Rate |
7.19% pa |
6.88% pa |
| 4 Year Fixed Rate |
7.19% pa |
6.93% pa |
| 5 Year Fixed Rate |
7.19% pa |
6.96% pa |
| Bridging Loan |
6.69% pa |
6.73% pa |
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| Car Loans: |
| Product Type |
Annual % Rate |
Comparison Rate^ |
| New Car Loan |
10.80% pa |
10.97% pa |
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| Personal Loans: |
| Product Type |
Annual % Rate |
Comparison Rate# |
| Personal Loan (unsecured) |
10.80% pa^^ |
11.49% pa |
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11.80% pa |
12.49% pa |
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12.30% pa |
12.99% pa |
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14.30% pa |
15.00% pa |
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14.80% pa |
15.50% pa |
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15.80% pa |
16.51% pa |
| Personal Loan (secured)** |
10.80% pa |
10.97% pa |
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11.80% pa |
11.98% pa |
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12.30% pa |
12.48% pa |
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14.30% pa |
14.48% pa |
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14.80% pa |
14.98% pa |
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15.80% pa |
15.98% pa |
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| Overdrafts: |
| Product Type |
Annual % Rate |
Comparison Rate |
| Overdrafts |
14.00% pa |
N/A |
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| Download copy of Comparison Rate Schedule by clicking here |
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Warning:
This comparison rate applies to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
*Comparison rate based on a $200,000 loan over 25 years. Based on monthly repayments. Loan secured by mortgage.
^ Comparison rate for secured car loans based on a $30,000 loan over 5 years. Secured by Bill of Sale.
^^ Comparison rate for unsecured personal loans based on a $10,000 loan over 3 years. If mortgage with SGE.
# Comparison rate for unsecured personal loans based on a $10,000 loan over 3 years.
** Comparison rate for secured personal loans based on a $30,000 loan over 5 years. Secured by Bill of Sale.
Interest rates are subject to change without notice. Terms and conditions, fees and charges apply and are available on request. All applications are subject to our normal lending criteria.
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