The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

29 products · 7 categories · changed 23 Sept 2026

Summerland Bank.

Business loans 1 Credit cards 2 Overdrafts 5 Personal loans 2 Home loans 8 Term deposits 1 Savings & transaction accounts 10

Business loans · 1Compare across banks →

Fixed: 7.39%
Variable: 8.59%
Loan size: $30,000 to no maximum

Credit cards · 2Compare across banks →

Low Rate Credit Card

Interest-free days: 55
Annual fee: $49
Balance transfer: 0.00%

Rewards Credit Card

Interest-free days: 55
Annual fee: $79
Rewards: Summerland Credit Card Rewards Program

Overdrafts · 5Compare across banks →

Business Plus Overdraft

Variable: 10.29%
Loan size: $1,000 to no maximum
Upfront fee: $800

Pricing: Rates on application
Loan size: $1,000 to no maximum
Upfront fee: $1,300

Equity Extra Investment Overdr

Variable: 10.29%
Loan size: $10,000 to no maximum
Upfront fee: $1,300

Equity Extra Overdraft

Pricing: Rates on application
Loan size: $10,000 to no maximum
Upfront fee: $1,300

Everyday Overdraft

Pricing: Rates on application
Loan size: $1,000 to no maximum
Upfront fee: $175

Personal loans · 2Compare across banks →

Variable: 7.24% · 7.89% comparison
Loan size: $5,000 to $100,000
Upfront fee: $350

Variable: 6.99% · 7.59% comparison
Loan size: $3,000 to $100,000
Upfront fee: $350

Home loans · 8Compare across banks →

Basic Variable Home Loan

Variable (owner occ. P&I): 5.89% · 5.95% comparison
Annual fee: $96
Features: redraw, extra repayments

Basic Variable Investment Loan

Variable (investor P&I): 6.09%
Annual fee: $96
Features: redraw, extra repayments

Variable (owner occ. P&I): 5.84% · 5.90% comparison
Features: redraw, extra repayments

ECO Investment Home Loan

Variable (investor P&I): 6.09%
Features: redraw, extra repayments

Fixed Rate Investment Loan

Annual fee: $96
Features: redraw, extra repayments

Fixed Rate Loan

Fixed: 1 yr 6.20% · 2 yrs 6.22% · 3 yrs 5.99% · 4 yrs 6.39% · 5 yrs 6.52%
Annual fee: $96
Features: redraw, extra repayments

Premium Variable Home Loan

Variable (owner occ. P&I): 5.99% · 6.36% comparison
Annual fee: $380
Features: offset, redraw, extra repayments

Premium Variable Investment Ln

Variable (investor P&I): 6.19%
Annual fee: $380
Features: offset, redraw, extra repayments

Term deposits · 1Compare across banks →

Fixed Term Deposit

Best rate: 5.25% for 12m
12 months: 5.25%
Min deposit: $1,000

Savings & transaction accounts · 10Compare across banks →

Bonus rate: 4.50%
Up to: 4.50%

Pricing: Rates on application
Monthly fee: $10

Community First

Pricing: Rates on application

Community Partnership Account

Pricing: Rates on application

Pricing: Rates on application

Base rate: 0.75%

Home Loan Offset

Pricing: Rates on application

Base rate: 0.50%
Intro rate: 5.10% for 4 mo

Pricing: Rates on application

Pricing: Rates on application

Published by Summerland Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.

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