Flexible Choice Owner Occupied
Flexible Choice Owner Occupied
Category: Home Loans Last Updated April 14, 2026 Effective April 20, 2026
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.70% PA
5.70% PA
Comparison Rate
6.58%PA*
6.58%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.
<=80% LVR
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.74%, Comparison Rate 6.79%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.05%, Comparison Rate 6.71%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.80%, Comparison Rate 6.60%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 5.85%, Comparison Rate 6.53%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.15%, Comparison Rate 6.59%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
- Lending Rate Type: Fixed
- Interest Rate: 6.25%, Comparison Rate 6.57%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<60% LVR
- Lending Rate Type: Fixed
- Interest Rate: 5.95%, Comparison Rate 6.70%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<60% LVR
- Lending Rate Type: Fixed
- Interest Rate: 5.70%, Comparison Rate 6.58%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<60% LVR
- Lending Rate Type: Fixed
- Interest Rate: 5.75%, Comparison Rate 6.50%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<60% LVR
- Lending Rate Type: Fixed
- Interest Rate: 6.05%, Comparison Rate 6.53%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
<60% LVR
- Lending Rate Type: Fixed
- Interest Rate: 6.15%, Comparison Rate 6.53%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Redraw
- Offset
- Extra Repayments
Product Eligibility
- Min Age - 18.
Bank Fees and Charges
- Home Loan Application Fee - New Applications (Event), Amount: 600.00.
- Loan Discharge Fee Registration Or Settlement (Event), Amount: 250.00. Additional Information: Plus out of pocket expenses
- Home Loan Top Up Fee Existing Loan (Event), Amount: 300.00.
- Loan Substitution Of Property Mortgage Fee (Upfront), Amount: 300.00.
- Loan Variation Fee (Event), Amount: 600.00.
- Loan Valuation Fee (Variable), Amount: 0.00.
- Loan Legal Fees, Valuations, Surveys, And Settlement Fees (Variable), Amount: 0.00.
- Fixed Rate Lock In Fee (Upfront), Amount: Not Listed.. Additional Information: borrowed amount
- Loan Offset Service Fee (Periodic), Amount: 6.00.
- Loan Redraw Facility Fee Online (Transaction), Amount: 10.00.
- Loan Redraw Facility Fee Over Counter (Transaction), Amount: 20.00.
Limitations & Restrictions (Constraints)
- Min Limit of 45000.00
- Max Limit of 3500000.00
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