Affinity Home Loan Investment IO LVR <80%[/h1]
Our Affinity Home Loan offers a competitive ongoing variable rate. The package provides an Affinity Saver Account that pays an interest rate equivalent to the RBA cash rate
Category: Home Loans Last Updated April 13, 2026 Effective April 29, 2026
General Lending Rates
Rates listed below are for a VARIABLE INVESTMENT Interest Only product. Additional Information
Interest Rate
8.01% PA
8.01% PA
Comparison Rate
8.25%PA*
8.25%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
- Redraw
- Digital Banking
- Npp Enabled
- Other Additional Information: eStatements available
- Other Additional Information: No Monthly Fees
- Guarantor Additional Information: Family guarantee allowed
- Extra Repayments
Product Eligibility
- Other Additional Information: You must be a member and resident of Australia
- Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
- Min Age - 18.
- Other Additional Information: Maximum LVR 90% including LMI
Bank Fees and Charges
- Discharge Settlement Fee (Exit), Amount: 300.00. Additional Information: Payable on discharge of a mortgage. Charged per property.
- Variation Fee (Event), Amount: 100.00. Additional Information: Payable if we approve a request to substitute the secured property for another property
- Portability Fee (Event), Amount: 350.00.
- Additional Security Fee (Event), Amount: 150.00.
- Conversion Switching Fee (Event), Amount: 300.00. Additional Information: Payable when switching loan products
- Affinity Annual Package Fee (Periodic), Amount: 295.00.
- Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Valuation fee is variable depending on the location, size and type of property.
- Solicitors Fees (Variable), Amount: Not Listed.. Additional Information: These fees may vary depending on loan.
- Settlement Rebooking Fee (Event), Amount: 100.00. Additional Information: Payable for our solicitors to prepare the mortgage and attend to settlement
- Construction Admin Fee (Event), Amount: 245.00. Additional Information: Our charge to manage each drawdown payment
- Progress Payment Fee (Event), Amount: 50.00. Additional Information: Payable for each construction drawdown
- Guarantee Fee (Event), Amount: 200.00.
- Title Search (Event), Amount: 20.00.
- Otc Redraw Fee (Event), Amount: 15.00. Additional Information: First one free per month. Free via Internet Banking
- Arrears Letter (Event), Amount: 30.00. Additional Information: Payable if we need to send an arrears letter
- Default Notice (Payment), Amount: 150.00. Additional Information: Payable when we send out a default notice
Limitations & Restrictions (Constraints)
- Min Limit of 150000.00
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