Back to Basics Owner Occupied
Back to Basics Owner Occupied
Category: Home Loans Last Updated November 18, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.24% PA
5.24% PA
Comparison Rate
5.29%PA*
5.29%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: 1 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.24%, Comparison Rate 5.29%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Redraw
- 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 Redraw Facility Fee Online (Transaction), Amount: 10.00.
- Loan Redraw Facility Fee Over Counter (Transaction), Amount: 20.00.
- Loan Substitution Of Property Mortgage Fee (Upfront), Amount: 300.00.
- Loan Variation Fee (Event), Amount: 600.00.
- Loan Legal Fees, Valuations, Surveys, And Settlement Fees (Variable), Amount: 0.00.
- Loan Valuation Fee (Variable), Amount: 0.00.
Limitations & Restrictions (Constraints)
- Min Limit of 45000.00
- Max Limit of 3500000.00
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