RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 5.80% (5.85%*) • Home Loan Fixed: 6.04% (6.83%*) • Fixed: 6.04% (6.83%*) • Variable: 5.80% (5.85%*) • Investment IO: 6.19% (6.22%*) • Investment PI: 6.04% (5.95%*)

  

Complete Home Loan Owner Occupied Construction Variable LVR<80%[/h1]
Complete Home Loan Owner Occupied Construction Variable LVR<80%
Category: Home Loans  Last Updated May 21, 2026  Effective June 3, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information
Interest Rate
6.44% PA
Comparison Rate
6.34%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

  • Offset Additional Information: Not available during fixed interest rate period. When you link a transaction account to an offset facility, you earn no interest under the transaction account even if the balance of the transaction account exceeds the loan balance.
  • Npp Payid
  • Digital Banking
  • Redraw Additional Information: Minimum of $500 per redraw
  • Extra Repayments Additional Information: Ability to make additional repayments on a variable rate loan with no cost

Product Eligibility

  • Residency Status - Individual Applications Must Be Permanent Residents And Joint Accounts Require At Least One Permanent Resident As Well As Additional Requirements For The Non-resident Applicants..
  • Min Age - 18.
  • Other Additional Information: Available to members only.

Bank Fees and Charges

  • Discharge Of Mortgage Fee (Exit), Amount: 395.00. Additional Information: $395.00 per Title.
  • Settlement Fee (Upfront), Amount: 400.00. Additional Information: Costs associated with processing the documentation and settlement of the loan

 Limitations & Restrictions (Constraints)

  • Max Lvr of 0.98
  • Min Lvr of 0.00

Document Downloads

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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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