The Rock Home Loans
Loan options: What The Rock home loans offer
Here’s a snapshot of The Rock’s variable home loans currently on offer for a loan amount of $600,000 in New South Wales. Please note that this table is formulated based on paying both principal and interest and results are sorted by our Star Rating (highest to lowest). To compare other home loans, please click here.
What types of home loans does The Rock offer?
At the time of writing The Rock offers the following types of home loans:
- Variable rate home loan
- Fixed rate home loan
- Interest only home loan
- Investment home loan
- Refinancing home loan
- Line of credit home loan
Variable home loan features
- Offset account available on selected loan products
- Redraw facility available
- Additional repayments allowed
- No fee for early repayment
- Repayments may be made weekly, fortnightly, or monthly
Find out about how different types of home loans work here.
How to apply for a The Rock home loan
Applying for a home loan from The Rock is a simple process; just compare home loans on the Canstar website and then visit The Rock’s website to apply for loan of your choice. You can call The Rock on 1300 083 793 on weekdays to speak to a home loan expert, or leave your name and number in an online form to receive a callback. You can also book an appointment online at your local branch, or simply drop in to have a chat.
Follow our applying for a home loan checklist, and use the Canstar website to compare The Rock home loans with other home loans before choosing a product that suits your needs:
The Rock FAQs
The Rock assesses all home loan applications on their individual merits and against its internal application criteria, weighing up the information you’ve provided to determine whether you’ll be able to repay your loan.
There are usually many standard documents you’ll need to provide, such as proof of your income, assets and expenses, as well as your credit history. Follow our applying for a home loan checklist, and use the Canstar website to compare The Rock home loans with other home loans before choosing a product that suits your needs:
The Rock offers you the option of making weekly, fortnightly or monthly repayments on your home loan. As with most banks, interest is calculated daily on your remaining principal; this means that any payment you make before your monthly due date will reduce your principal, and thus reduce the amount of interest you have to pay.
The Rock allows extra repayments on its variable interest home loans. You can also make lump sum repayments at any time, and any extra payments are available for redraw (withdrawal from your loan) at no cost if you change your mind. Terms and conditions apply; contact your lender for details.
Find out how making extra repayments could save money in interest over the life of your loan in this article, or use our Extra Repayments Calculator for yourself:
Yes, The Rock’s variable rate home loans offer a redraw facility. Fees and charges may apply to use of a redraw facility; contact your lender for details or learn more about redraw facilities here.
If you’re in the market for a home loan, compare your home loan options with Canstar:
The Rock is a Rockhampton-based bank with a strong focus on providing friendly, competitive services to Central Queensland residents. The company was established in 1967, listed on the ASX in 1992 and subsequently acquired by MyState Limited, of which it is now a wholly-owned subsidiary.
Since its inception, The Rock has expanded its services from the Rockhampton region to the entire Queensland coast, from Cairns to South-East Queensland, as well as to loan customers in other states across the country.
Certain The Rock home loans received up to a 4-Star Rating from Canstar in our March 2017 Star Ratings; see our home loans comparison pages for details.