The Low Rate Home Loan product offers great low rates and can cater for either PAYG or Self Employed applicants looking to for a loan amount for purchase, refinance, debt consolidation or cash out purposes.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.04% | 7.04% | Variable · investment · interest only · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 7.14% | 7.14% | Variable · investment · interest only · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 7.59% | 7.59% | Variable · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.79% | Variable · investment · principal and interest · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 6.89% | 6.89% | Variable · investment · principal and interest · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 7.49% | 7.49% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.69% | 7.69% | Variable · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.94% | 6.94% | Variable · owner occupied · interest only · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 7.04% | 7.04% | Variable · owner occupied · interest only · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 6.64% | 6.64% | Variable · owner occupied · principal and interest · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 6.74% | 6.74% | Variable · owner occupied · principal and interest · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 7.34% | 7.34% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.54% | 7.54% | Variable · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.homeloans.com.au/cds-au/v1/banking/products/LRHL- Content hash
sha256 821add409e8ae245a52776b6a9801231d522258846972f9f1e0ce388c9abfa3b- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_821add409e8ae245_00c2e70eShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.homeloans.com.au/cds-au/v1/banking/products/LRHL- Content hash
sha256 821add409e8ae245a52776b6a9801231d522258846972f9f1e0ce388c9abfa3b- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement cancellation fee | Event | $55.00 |
| Manual redraw fee | Event | $26.00 |
| Panel Solicitor fee - Discharge | Other | Set in your letter of offer |
| Third party fees | Other | Set in your letter of offer |
| Valuation fee | Other | Set in your letter of offer |
| Document retrieval fee | Event | $25.00 |
| Discharge Fee | Event | $300.00 |
| Variation fee | Variation | Set in your letter of offer |
| Settlement payment fee - Non WBC accounts | Payment | $12.00 |
| Settlement payment fee - WBC | Payment | $1.50 |
| Dishonour fee | Dishonour | $15.00 |
| Arrears management fee | Event | $55.00 |
| Priority payment fee | Event | $15.00 |
| Extra statement fee | Event | $5.50 |
| Legal document preparation fee | Other | Set in your letter of offer |
| Lender Settlement Fee | Event | $199.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Split loan - Part fixed / part variable | |
| Other | Interest only repayments | |
| Other | P&I repayments | |
| Other | Unlimited free transactions available | |
| Redraw | ||
| Offset | ||
| Guarantor | ||
| Extra repayments | ||
| Digital banking | ||
| Card access | Visa Debit | |
| Bill payment | ||
| Eligibility: residency status | Australian citizens and permanent residents, New Zealand citizens and permanent residents. | Expat non residents allowed |
| Eligibility: other | Individuals, companies, and discretionary trusts allowed; no unit or hybrid trusts. | |
| Eligibility: min age | 18 | |
| Eligibility: employment status | PAYG and Self Employed | |
| Limit: other | ||
| Limit: other | ||
| Limit: min lvr | 0.01 | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 100000.00 | |
| Limit: max limit | 3500000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.69% | 7.69% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 7.34% |
| Variable · owner occupied · interest only · LVR 1%–60% | 1 Nov 2026 | Current | 6.94% | 6.94% |
| Variable · owner occupied · principal and interest · LVR 1%–60% | 1 Nov 2026 | Current | 6.64% | 6.64% |
| Variable · investment · interest only · LVR 60%–80% | 1 Nov 2026 | Current | 7.14% | 7.14% |
| Variable · investment · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.89% | 6.89% |
| Variable · owner occupied · interest only · LVR 60%–80% | 1 Nov 2026 | Current | 7.04% | 7.04% |
| Variable · investment · interest only · LVR 1%–60% | 1 Nov 2026 | Current | 7.04% | 7.04% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.59% | 7.59% |
| Variable · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.74% | 6.74% |
| Variable · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.54% | 7.54% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.49% | 7.49% |
| Variable · investment · principal and interest · LVR 1%–60% | 1 Nov 2026 | Current | 6.79% | 6.79% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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