RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Billions Capital
Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Premium Home Loan Variable

Premium Home Loan Variable
Category: Home Loans  Last Updated September 30, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.54% PA
Comparison Rate
5.60%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: 5.99%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.19%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.89%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.89%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.89%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.89%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 5.99%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 5.99%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 5.95%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  60.01-80% LVR
Minimum: 60.0001 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 5.95%, Comparison Rate 6.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.19%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.19%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.19%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.19%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  <=60% LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.79%, Comparison Rate 5.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  60.01-80% LVR
Minimum: 60 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  80.01+% LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.09%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.64%, Comparison Rate 5.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.64%, Comparison Rate 5.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.64%, Comparison Rate 5.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.64%, Comparison Rate 5.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <=60% LVR
  • Lending Rate Type: Introductory
  • Interest Rate: 5.64%, Comparison Rate 5.70%
  • 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: 5.74%, Comparison Rate 5.80%
  • 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: 5.74%, Comparison Rate 5.80%
  • 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: 5.74%, Comparison Rate 5.80%
  • 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: 5.74%, Comparison Rate 5.80%
  • 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: 5.74%, Comparison Rate 5.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80.01%+ LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.04%, Comparison Rate 6.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80.01%+ LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.04%, Comparison Rate 6.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80.01%+ LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.04%, Comparison Rate 6.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80.01%+ LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.04%, Comparison Rate 6.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  80.01%+ LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Introductory
  • Interest Rate: 6.04%, Comparison Rate 6.10%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  <=60% LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.54%, Comparison Rate 5.60%
  • 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: 5.64%, Comparison Rate 5.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80.01%+ LVR
Minimum: 80.0001 PERCENT Maximum: PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.84%, Comparison Rate 5.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

Product Features

  • Offset
  • Redraw
  • Other Additional Information: Ability to increase loan amount (Loan Top Up)
  • Other Additional Information: Additional repayments accepted
  • Other Additional Information: Early repayments without penalty
  • Other Additional Information: Partial split loan
  • Other Additional Information: Included in Relationship Rebate
  • Other Additional Information: Can be used for building
  • Other Additional Information: Easy to apply for loan
  • Other Additional Information: Interest only repayments (up to 5 years)
  • Other Additional Information: Variable and lump sum repayments

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 Balance of 30000.00

■ ■ ■

 
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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Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
748B Pennant Hills Rd Carlingford NSW 2118
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval, and those rates and products shown will not necessarily be suitable or available. Full terms and conditions will be included in our loan offer. Fees and charges may be payable. Interest rates are subject to change. Some offers and cashbacks do not apply to internal refinances and are only available from certain lenders with qualifying criteria. The information provided on this website (or in any related materials, communications, or tools) is of a general nature only and does not take into account your personal objectives, financial situation, or needs. While we aim to provide helpful and accurate information, it should not be considered financial advice or a substitute for professional consultation. We recommend that you seek personalised advice before making any financial or lending decisions. Please contact us to discuss your specific circumstances and goals. The information provided in our posts, videos, comments, and shared content is for general information purposes only and does not constitute personal financial advice. All views expressed are our own and do not necessarily reflect those of our aggregator, lender partners, or any associated entities. Any examples or scenarios used are illustrative only. Any testimonials or reviews are individual experiences and do not guarantee future outcomes. Social Disclaimer. This page/advertisement is not affiliated with, endorsed by, or sponsored by Facebook®, Meta®, Instagram®, LinkedIn®, YouTube®, Google®, or any of their associated companies. Facebook® and Instagram® are trademarks of Meta Platforms, Inc. LinkedIn® is a trademark of LinkedIn Corporation. YouTube® and Google® are trademarks of Google LLC.

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