Home loan rates › Citywide Lending
Prime Home Loan
Citywide Lending
Our home loan gives 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 eligible variable interest rate loans to add 100% interest offset sub-account(s) and VISA debit card+ access (monthly fees apply).
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/CWH01000- Content hash
sha256 5d2975eed1e036f3d8ee9090c0df468b91b25d69c00ddccc325b066ea23f2a19- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5d2975eed1e036f3_c5cb800cShow details
- Checked
- 1 Nov 2026
- URL
https://api.cwh.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/CWH01000- Content hash
sha256 5d2975eed1e036f3d8ee9090c0df468b91b25d69c00ddccc325b066ea23f2a19- 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 | $599.00 |
| Prime Admin Fee | Periodic | $10.00 |
| Legal Fee | Upfront | $330.00 |
| Legal Disbursements | Upfront | Set in your letter of offer |
| Discharge Fee | Exit | $500.00 |
| Fixed Rate Lock Fee | Upfront | 0.15% |
| Valuation Fee | Upfront | Set in your letter of offer |
| Risk Fee | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account. Not available during Fixed Rate term. | |
| Redraw | Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time. Not available during Fixed Rate term. | |
| Card access | Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card. | |
| Extra repayments | Additional repayments. Make extra repayments at any time, subject to terms and conditions. | |
| Other | Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only). | |
| 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 | |
no-rates | Reason this product is not ranked | |
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