DHOAS Rate Saver Home Loan
Our simple vanilla loan with a super-low variable rate, unlimited additional repayments as well as the ability to redraw available for DHOAS eligible applicants.
Category: Home Loans Last Updated March 27, 2025 Effective April 14, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Advertisement rate
Interest Rate
5.89% PA
5.89% PA
Comparison Rate
5.92%PA*
5.92%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 Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
LVR 71% <=80% inc LMI
Minimum: 71 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.09%, Comparison Rate 6.12%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR <=60%
- Lending Rate Type: Variable
- Interest Rate: 5.89%, Comparison Rate 5.92%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR 61% <=70%
Minimum: 61 PERCENT Maximum: 70 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.99%, Comparison Rate 6.02%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR 81% <=90% inc LMI
Minimum: 81 PERCENT Maximum: 90 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.29%, Comparison Rate 6.32%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Redraw
Product Eligibility
- Natural Person
- Min Age - 18.
- Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
- Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.
Bank Fees and Charges
- Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page
- Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs
- Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs- To switch or vary home loans (other than switching to RateSaver) Note: this fees is in addition to any break costs payable for fixed rate loans.
- Redraw Fee (per Redraw) (Transaction), Amount: 10.00.
- Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract
- Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone
- Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page
- Ratesaver Processing Fee (Upfront), Amount: 450.00. Additional Information: When borrowing in excess of 80% LVR
- Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested
- Property Valuation Fee (Variable), Amount: 250.00. Additional Information: At cost. Minimum is $250.00
- Archive Retrieval Fee (Variable), Amount: 50.00. Additional Information: A $50 hourly fee applies plus any expenses incurred
- Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.
- Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs
- Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs -To switch to RateSaver Home Loan
- Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.
- Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration
Limitations & Restrictions (Constraints)
- Min Limit of 150000.00
- Max Limit of 5000000.00
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