Need a few more features than the standard home loan? Our Expect More Home Loan is the one for you. It includes fixed or variable interest rates, an offset account and redraw facility.
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 |
|---|---|---|---|---|---|
| 6.54% | 6.69% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.79% | Variable · owner occupied · principal and interest · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 6.84% | 6.98% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.39% | 7.53% | 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://openbank.api.banksyd.com.au/cds-au/v1/banking/products/emhl_oo- Content hash
sha256 e9f406f846e4fb2df045879a4b41864147f8d32e994c66841216d34ca8e1ed1d- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_e9f406f846e4fb2d_5ee2fcc7Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/emhl_oo- Content hash
sha256 e9f406f846e4fb2df045879a4b41864147f8d32e994c66841216d34ca8e1ed1d- 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 |
|---|---|---|
| Variation Fee | Event | $300.00 |
| Package Fee | Periodic | $125.00 |
| Settlement Fee | Upfront | $200.00 |
| Discharge of Mortgage Fee | Event | $400.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Unlimited additional repayments | Applicable only for Variable Rate |
| Other | Construction Loans | Available for Construction purposes |
| Digital banking | ||
| Offset | 100% offset account available | |
| Redraw | Redraw facility is available | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: other | Lending criteria applies. | |
| Eligibility: residency status | Australian Permanent Resident or Citizen. Residential address must be in Australia. | |
| Limit: min limit | 100000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.84% | 6.98% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.54% | 6.69% |
| Variable · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.64% | 6.79% |
| Variable · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.39% | 7.53% |
*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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