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

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  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%*)

  Business/Farm/Commercial - Residential Mortgage Loan

Business/Farm/Commercial - Residential Mortgage Loan
Category: Business Loans  Last Updated October 31, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information
Interest Rate
9.79% 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 Eligibility

  • Other Additional Information: Terms, conditions, lending eligibility and approved criteria apply

Bank Fees and Charges

  • Gmcu Title Search Fee (Event), Amount: 25.30.
  • Goods Security Agreement Preparation Fee (Event), Amount: 30.00. Additional Information: charged if a Goods Security Agreement is required as security (e.g. over a vehicle)
  • Loan Contract Variation Fee (Event), Amount: 300.00. Additional Information: For Each Variation
  • Loan Default Fee (Event), Amount: 10.00.
  • Loan Default Fee- Second Reminder Letter (Event), Amount: 15.00.
  • Loan Default Fee- Final Notice (Event), Amount: 25.00.
  • Mortgage Preparation Fee (Variable), Amount: Not Listed.. Additional Information: Mortgage documents prepared by solicitor payable by member at cost
  • Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Valuation fee payable by member at cost
  • Loan Redraw Fee (Transaction), Amount: 50.00.
  • Business/commercial Loan Establishment Fee (Upfront), Amount: 500.00. Additional Information: Establishment Fee starts from $500.00 and increases based on loan amount and complexity

 Limitations & Restrictions (Constraints)

  • Max Lvr of 80.00

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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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