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Loans & Credit Cards

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Home Loans

Variable Home Loan

A fully featured loan at a great rate. Real flexibility so you can manage your mortgage as you choose.

  • Available for owner-occupier purchases or refinances
  • No monthly account keeping fees
  • Make extra repayments and redraws without penalty
Find out more

4.24% pa
variable interest rate

4.24% pa
comparison rate1

Apply Online Enquire

1 Year Fixed Loan

A fixed rate loan gives you the security of knowing what your repayments will be for the next 12 months.

  • Low fixed rate for 12 months
  • No monthly account keeping fees
  • Make extra repayments and redraws without penalty
Find out more

3.94% pa
fixed interest rate

4.22% pa
comparison rate1

Apply Online Enquire

2 Year Fixed Loan

A fixed rate loan gives you the security of knowing what your repayments will be for the next 2 years.

  • Low fixed rate for 24 months
  • No monthly account keeping fees
  • Make extra repayments and redraws without penalty

Find out more

3.89% pa
fixed interest rate

4.18% pa
comparison rate1

Apply Online Enquire

3 Year Fixed Loan

A fixed rate loan gives you the security of knowing what your repayments will be for the next 3 years.

  • Low fixed rate for 36 months
  • No monthly account keeping fees
  • Make extra repayments and redraws without penalty

Find out more

3.99% pa
fixed interest rate

4.19% pa
comparison rate1

Apply Online Enquire

First Home Buyer Loan

Let Select Encompass make the process of buying your first home a whole lot easier.

  • Variable and lump sum repayments
  • No monthly account keeping fees
  • Early repayment without penalty
Find out more

3.74% pa
variable interest rate

4.15% pa
comparison rate1

Apply Online Enquire

Family Helper Home Loan

With prices continually on the rise the journey towards purchasing your first home isn't going to be easy without a little help.

  • Use equity from your home to provide security for loan
  • Borrow up to 100% of the value of the property
  • Loan includes stamp duty and other upfront costs
Find out more

3.74% pa
variable interest rate

4.15% pa
comparison rate1

Apply Online Enquire

Mortgage Line of Credit

Reduce your repayments by reducing the balance of your loan by the balance of your savings account.

  • A mortgage loan that acts like an overdraft
  • Use your income to reduce your loan interest
  • You may never have to apply for another loan again
Find out more

4.39% pa
variable interest rate

Apply Online Enquire

Car Loans

New Car Loan (cars up to 2 years old)

Our great new car loan product offers a fast approval and a great rate that offers the ability to get into your new car sooner.

  • Fast approval within 24-48 hours
  • No monthly account keeping fees
  • The ability to make lump sum payments
  • No early payout fee, meaning you can pay your loan out sooner at no additional cost
Find out more

6.45% pa
variable interest rate

6.68% pa
comparison rate1

Apply Online Enquire

Used Car Loan (cars 2-5 years old)

Design for used car purchases but with all the same great benefits as our other car loans.

  • Fast approval within 24-48 hours
  • No monthly account keeping fees
  • The ability to make lump sum payments
  • No early payout fee, meaning you can pay your loan out sooner at no additional cost
Find out more

7.99% pa
variable interest rate

8.22% pa
comparison rate1

Apply Online Enquire

Personal Loans

Unsecured Personal Loan

Home Renovation? Overseas Holiday? Home appliances ? We can help you get it.

  • Approval within 48 hours for any worthwhile purpose
  • No monthly account keeping fees
  • Early repayment without penalty
Find out more

10.99% pa
variable interest rate

11.21% pa
comparison rate1

Apply Online Enquire

Debt Consolidation

By consolidating your debt into one low rate personal loan, we can help you get your debt under control quick smart..

  • No establishment fees
  • No monthly repayment account keeping fees
  • Borrow up to $50,000
Find out more

15.99% pa
variable interest rate

16.22% pa
comparison rate1

Apply Online Enquire

Term Deposit Secured Loan

Your savings will earn interest in a Term Deposit and provide 100% security for your loan. This is a great way to keep your savings intact while you borrow at a low rate.

  • Must be fully secured with a Select Encompass Term Deposit
  • No Application fee
  • No monthly repayment account keeping fees
Find out more

4.24% pa
variable interest rate

4.44% pa
comparison rate1

Apply Online Enquire

Credit Cards

Visa Credit Card

A great interest rate and real flexibility to make manage your loan as you choose.

  • Great low rate
  • No monthly account keeping fees
  • Early repayment without penalty
Find out more

up to
10.99% pa
interest rate

Apply OnlineEnquire
  Additional Product Information:

1 Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.