SIMPLE HOME LOAN
SIMPLE HOME LOAN
Category: Home Loans Last Updated December 12, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.24% PA
5.24% PA
Comparison Rate
5.24%PA*
5.24%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 vary based on the LVR and other conditions..
60 to 70 LVR
Minimum: 60.0001 PERCENT Maximum: 70 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.34%, Comparison Rate 5.34%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Over 70 LVR
Minimum: 70.0001 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.44%, Comparison Rate 5.44%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Under 60 LVR
Minimum: 0.0001 PERCENT Maximum: 60 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.44%, Comparison Rate 5.44%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
60 to 70 LVR
Minimum: 60.0001 PERCENT Maximum: 70 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.54%, Comparison Rate 5.54%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
Over 70 LVR
Minimum: 70.0001 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.64%, Comparison Rate 5.64%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
Under 60 LVR
Minimum: 0.0001 PERCENT Maximum: 60 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.49%, Comparison Rate 5.52%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
60 to 70 LVR
Minimum: 60.0001 PERCENT Maximum: 70 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.59%, Comparison Rate 5.62%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
Over 70 LVR
Minimum: 70.0001 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.69%, Comparison Rate 5.72%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
Under 60 LVR
Minimum: 0.0001 PERCENT Maximum: 60 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.69%, Comparison Rate 5.72%
- Repayment Type: Interest Only
- Loan Purpose: Investment
60 to 70 LVR
Minimum: 60.0001 PERCENT Maximum: 70 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.79%, Comparison Rate 5.82%
- Repayment Type: Interest Only
- Loan Purpose: Investment
Over 70 LVR
Minimum: 70 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.89%, Comparison Rate 5.92%
- Repayment Type: Interest Only
- Loan Purpose: Investment
Product Features
- Digital Banking
- Extra Repayments
- Notifications Additional Information: Email, SMS
- Redraw
Product Eligibility
- Min Age - 18.
- Natural Person
- Residency Status - Australian Residents.
Bank Fees and Charges
- Bridgingloan (Upfront), Amount: 250.00. Additional Information: Administration fee to cover the cost of setting-up a bridging loan when buying and selling a property
- Invloan Admin Fee (Upfront), Amount: 400.00. Additional Information: Plus Costs
- Constructionloan (Upfront), Amount: 600.00. Additional Information: Construction loan fee which includes up to five progress payments to suppliers, additional construction loan progress payment fees $50 per payment
- Contractvariation (Event), Amount: 150.00.
- Legalfees (Variable), Amount: Not Listed.. Additional Information: First Option covers the first $1000 of Valuation and Legal Fees, other external costs are on-charged at-cost.
- Loanadmin (Event), Amount: 250.00.
- Loanconsent (Event), Amount: 400.00.
- Mortgagedischarge (Variable), Amount: 175.00. Additional Information: Calculated at time of Discharge, up to a maximum of $600
- Securityguarantee (Variable), Amount: 250.00.
- Securitysubstitution (Variable), Amount: 250.00.
- Titleproduction (Variable), Amount: 150.00.
- Governmentfeescharges (Variable), Amount: Not Listed.. Additional Information: Stamp Duties and other government costs depend on value of the property and state
Limitations & Restrictions (Constraints)
- Min Limit of 5000.00
- Max Limit of 2000000.00
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