SIMPLE HOME LOAN
SIMPLE HOME LOAN
Category: Home Loans Last Updated March 26, 2026 Effective April 20, 2026
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: 0.600001 PERCENT Maximum: 0.7 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: 0.700001 PERCENT Maximum: 0.95 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: 0.000001 PERCENT Maximum: 0.6 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: 0.600001 PERCENT Maximum: 0.7 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: 0.700001 PERCENT Maximum: 0.95 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: 0.000001 PERCENT Maximum: 0.6 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: 0.600001 PERCENT Maximum: 0.7 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: 0.700001 PERCENT Maximum: 0.95 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: 0.000001 PERCENT Maximum: 0.6 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: 0.600001 PERCENT Maximum: 0.7 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.79%, Comparison Rate 5.82%
- Repayment Type: Interest Only
- Loan Purpose: Investment
Over 70 LVR
Minimum: 0.7 PERCENT Maximum: 0.95 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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