Home loan rates › Citywide Lending
Prime Non-standard regulated consumer loan (CRE Loan)
Citywide Lending
Our variable rate home loan options give you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for a 100% interest offset sub-account.
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 |
|---|
*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.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cwh.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/CWH05000- Content hash
sha256 3a8ffe00ed98ca17a6ea37ab6f2edfe07db80c52acf74ad91aca71a903cb5edb- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_3a8ffe00ed98ca17_6a15d7b3Show details
- Checked
- 1 Nov 2026
- URL
https://api.cwh.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/CWH05000- Content hash
sha256 3a8ffe00ed98ca17a6ea37ab6f2edfe07db80c52acf74ad91aca71a903cb5edb- 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 |
|---|---|---|
| Prime Establishment Fee | Upfront | Set in your letter of offer |
| Prime Admin Fee | Periodic | $25.00 |
| Legal Fee | Upfront | $825.00 |
| Legal Disbursements | Upfront | Set in your letter of offer |
| Discharge Fee | Exit | $500.00 |
| Valuation Fee | Upfront | Set in your letter of offer |
| Early Repayment Fee | Event | 2.00% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account. | |
| Redraw | Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time. | |
| Extra repayments | Additional repayments. Make extra repayments at any time, subject to terms and conditions. | |
| Other | Flexible Loan Terms. 1-30 year loan terms are available. | |
| Digital banking | Provides borrowers online access to view and manage loan accounts. | |
| Other | Repayment option - choose between variable and interest only (max 5 years) repayments. | |
| Eligibility: min age | 18 | Individual borrower must be 18 years + to enter into a contract. |
| Eligibility: residency status | Only available to Australian Citizens or Permanent Residents. | |
| Eligibility: other | All applications are subject to credit assessment and eligibility criteria. | |
| Eligibility: natural person | Suitable for various borrower types including individuals. | |
| Eligibility: business | Suitable for Sole Traders, Companies and other business borrowers. | |
| Limit: min limit | 100000.00 |
Rate history
No earlier values recorded yet.
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-rates | quality:no-rates | |
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
no-rates | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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