Our Standard Variable Rate Home Loan is a simple, easy to manage product that is equally suited to owner-occupiers, residential investors or even those purchasing a vacant block of land. Extra payments can be made with flexibility to redraw.
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 |
|---|---|---|---|---|---|
| 9.34% | 9.24% | Variable · unconstrained · interest only | CDR | 1 Nov 2026 | |
| 8.99% | 9.14% | Variable · unconstrained · principal and interest | 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-api.queenslandcountry.bank/cds-au/v1/banking/products/28- Content hash
sha256 73266ef5cc6a942fd22c5e7ab2d4b959b1edbc9d0ffe1919f97fee3bb0565cfe- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_73266ef5cc6a942f_62036bceShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/28- Content hash
sha256 73266ef5cc6a942fd22c5e7ab2d4b959b1edbc9d0ffe1919f97fee3bb0565cfe- 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 |
|---|---|---|
| Mortgage Establishment Fee | Upfront | $250.00 |
| Mortgage Document Fee | Upfront | $250.00 |
| Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Mortgage Settlement Fee | Event | $450.00 |
| Loan Maintenance Fee | Periodic | $10.00 |
| In Branch Redraw Fee | Event | $8.00 |
| Online Redraw Fee | Event | $0.00 |
| Val Fee - PropertyHub | Upfront | $50.00 |
| Other Credit Fees | Other | Set in your letter of offer |
| Arrears Letter Fee - Second Arrears Letter | Event | $40.00 |
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Extra repayments | No penalties for extra repayments on variable rate loans | |
| Offset | 100% Mortgage Offset account available | |
| Other | Payments can be arranged weekly, fortnightly or monthly. | |
| Other | Loan Terms up to 30 Years. | |
| Redraw | ||
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia. | |
| Limit: max lvr | 95.00 | |
| Limit: min lvr | 0.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · unconstrained · interest only | 1 Nov 2026 | Current | 9.34% | 9.24% |
| Variable · unconstrained · principal and interest | 1 Nov 2026 | Current | 8.99% | 9.14% |
*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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