Basic Variable Rate Home Loan
Basic Variable Rate Home Loan
Category: Home Loans Last Updated October 1, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.29% PA
5.29% PA
Comparison Rate
5.35%PA*
5.35%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..
60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.49%, Comparison Rate 5.55%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.69%, Comparison Rate 5.75%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
<=60% LVR
- Lending Rate Type: Introductory
- Interest Rate: 5.39%, Comparison Rate 5.45%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.49%, Comparison Rate 5.55%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
<=60% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.69%, Comparison Rate 5.75%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
<=60% LVR
- Lending Rate Type: Introductory
- Interest Rate: 5.39%, Comparison Rate 5.45%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.49%, Comparison Rate 5.55%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.69%, Comparison Rate 5.75%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
<=60% LVR
- Lending Rate Type: Introductory
- Interest Rate: 5.39%, Comparison Rate 5.45%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.49%, Comparison Rate 5.55%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.69%, Comparison Rate 5.75%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
<=60% LVR
- Lending Rate Type: Introductory
- Interest Rate: 5.39%, Comparison Rate 5.45%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.49%, Comparison Rate 5.55%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
- Lending Rate Type: Introductory
- Interest Rate: 5.69%, Comparison Rate 5.75%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
<=60% LVR
- Lending Rate Type: Variable
- Interest Rate: 5.29%, Comparison Rate 5.35%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.39%, Comparison Rate 5.45%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.59%, Comparison Rate 5.65%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Redraw
- Other Additional Information: Included in Relationship Rebate
- Other Additional Information: Additional repayments accepted
- Other Additional Information: Can be used for building
- Other Additional Information: Early repayments without penalty
- Other Additional Information: Easy to apply for loan
- Other Additional Information: Interest only repayments (up to 5 years)
- Other Additional Information: Suitable for vacant land
- Other Additional Information: Variable and lump sum repayments
- Other Additional Information: Ability to increase loan amount (Loan Top Up)
Product Eligibility
- Min Age - 18.
- Residency Status - Must Be An Australian Citizen Or Permanent Resident.
- Other Additional Information: Lending criteria, terms and conditions apply
- Other Additional Information: Up to 95% of the valuation for owner occupied (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Up to 92% of the valuation for investment (Lenders Mortgage Insurance applies for over 80% Loan to Valuation).
Bank Fees and Charges
- Mortgage Establishment Fee (Event), Amount: 155.00.
- Loan Security Discharge Fee (Event), Amount: 200.00.
- Switch Fee (Event), Amount: 250.00.
Limitations & Restrictions (Constraints)
- Min Limit of 30000.00
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