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

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  Billions Capital [ FINANCE SPECIALISTS ]

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 Fixed 24 mths Interest Only Owner Occupied

Premium Home Loan Fixed 24 mths Interest Only Owner Occupied
Category: Home Loans  Last Updated October 7, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied Interest Only product. Additional Information Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $100,000 and up to 95% of property value.
Interest Rate
5.19% PA
Comparison Rate
5.61%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..

Product Features

  • Offset
  • 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: Easy to apply for loan
  • Other Additional Information: Partial split loan
  • Other Additional Information: Suitable for vacant land

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

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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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