RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  L5 Commercial Loan

A Business Loan To Meet All Of Your Commercial Needs.
Category: Business Loans  Last Updated December 8, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information Reference Rate Provided And Subject To Assessment Of Application For Credit, With Interest Rate Being Offered Upon Approval
Interest Rate
11.50% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

  • Digital Banking Additional Information: 24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone
  • Extra Repayments
  • Loyalty Program Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking
  • Other Additional Information: No Monthly Account Keeping Fees
  • Other Additional Information: No Loan Service Fees
  • Other Additional Information: No Penalties For Early Payouts
  • Redraw
  • Unlimited Txns Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking

Product Eligibility

  • Business Additional Information: Self Employed Members and Business Owners Are Eligible
  • Min Age - 18.
  • Other Additional Information: Subject To Eligibility For Credit Via Loan Application Assessment
  • Residency Status - Australian Citizens Or Permanent Residents. Additional Information: Residents Of Australia Are Eligible

Bank Fees and Charges

  • Loan Redraw Processing Fee (Transaction), Amount: 35.00.
  • Ppsr Registration Fee (Upfront), Amount: 17.50.
  • Discharge Of Mortgage Fee (Event), Amount: 500.52.
  • Ppsr Alteration Fee (Event), Amount: 17.50.
  • Enforcement Collection Cost (Event), Amount: 0.00.
  • Valaution Fee (Upfront), Amount: 0.00.
  • Solicitors Fee (Upfront), Amount: 0.00.
  • Registration Fee (Upfront), Amount: 0.00.
  • Agents Fee (Upfront), Amount: 0.00.
  • Credit Report Fee (Upfront), Amount: 20.00.
  • Loan Establishment Fee - Self Employed Or Debt Consolidation (Upfront), Amount: 705.00.
  • Bhccu Enforcement Expense (Event), Amount: 0.00.
  • Ppsr Discharge Fee (Event), Amount: 0.00.
  • Ppsr Search Fee (Upfront), Amount: 7.50.
  • Loan Contract Variation Fee (Event), Amount: 375.00.
  • Guarantee Security Fee (Event), Amount: 325.00.
  • Discharge Administration Fee (Event), Amount: 250.00.
  • Credit Bureau Default Listing (Event), Amount: 75.00.
  • Security Handling Fee (Event), Amount: 200.00.
  • Progress Drawdown Fee (Event), Amount: 150.00.
  • Ipex Fee (Upfront), Amount: 35.00.
  • Settlement Fee (Event), Amount: 150.00.
  • Debt Agreement Fee (Event), Amount: 150.00.
  • Enforcement Expense (Event), Amount: 0.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 2000.00

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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