A low doc OO/INV variable home loan with both P&I and IO rate for non-conforming customers
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 |
|---|---|---|---|---|---|
| 8.04% | 8.43% | Variable · investment · interest only · LVR 60% or less · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.14% | 8.49% | Variable · investment · interest only · LVR 60% or less · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.43% | Variable · investment · interest only · LVR 60% or less · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.14% | 8.49% | Variable · investment · interest only · LVR 60% or less · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.63% | Variable · investment · interest only · LVR 60% or less · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 8.69% | Variable · investment · interest only · LVR 60% or less · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.46% | Variable · investment · interest only · LVR 60%–70% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.14% | 8.51% | Variable · investment · interest only · LVR 60%–70% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.46% | Variable · investment · interest only · LVR 60%–70% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.14% | 8.51% | Variable · investment · interest only · LVR 60%–70% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.66% | Variable · investment · interest only · LVR 60%–70% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 8.71% | Variable · investment · interest only · LVR 60%–70% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.69% | Variable · investment · interest only · LVR 70%–80% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 8.74% | Variable · investment · interest only · LVR 70%–80% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.69% | Variable · investment · interest only · LVR 70%–80% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 8.74% | Variable · investment · interest only · LVR 70%–80% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.38% | 8.83% | Variable · investment · interest only · LVR 70%–80% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.48% | 8.88% | Variable · investment · interest only · LVR 70%–80% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.46% | Variable · investment · principal and interest · LVR 60% or less · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.46% | Variable · investment · principal and interest · LVR 60% or less · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.66% | Variable · investment · principal and interest · LVR 60% or less · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.48% | Variable · investment · principal and interest · LVR 60%–70% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.48% | Variable · investment · principal and interest · LVR 60%–70% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.68% | Variable · investment · principal and interest · LVR 60%–70% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.72% | Variable · investment · principal and interest · LVR 70%–80% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.72% | Variable · investment · principal and interest · LVR 70%–80% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.38% | 8.86% | Variable · investment · principal and interest · LVR 70%–80% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.27% | Variable · owner occupied · interest only · LVR 60% or less · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.27% | Variable · owner occupied · interest only · LVR 60% or less · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.47% | Variable · owner occupied · interest only · LVR 60% or less · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.29% | Variable · owner occupied · interest only · LVR 60%–70% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.29% | Variable · owner occupied · interest only · LVR 60%–70% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.49% | Variable · owner occupied · interest only · LVR 60%–70% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.53% | Variable · owner occupied · interest only · LVR 70%–80% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.53% | Variable · owner occupied · interest only · LVR 70%–80% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.38% | 8.67% | Variable · owner occupied · interest only · LVR 70%–80% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.74% | 8.16% | Variable · owner occupied · principal and interest · LVR 60% or less · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.74% | 8.16% | Variable · owner occupied · principal and interest · LVR 60% or less · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 8.36% | Variable · owner occupied · principal and interest · LVR 60% or less · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.74% | 8.18% | Variable · owner occupied · principal and interest · LVR 60%–70% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.74% | 8.18% | Variable · owner occupied · principal and interest · LVR 60%–70% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 8.38% | Variable · owner occupied · principal and interest · LVR 60%–70% · $1,250,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 8.42% | Variable · owner occupied · principal and interest · LVR 70%–80% · $100,000–$750,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 8.42% | Variable · owner occupied · principal and interest · LVR 70%–80% · $750,000–$1,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.08% | 8.56% | Variable · owner occupied · principal and interest · LVR 70%–80% · $1,250,000–$2,000,000 | Specialist lending | 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.afghomeloans.com.au/cds-au/v1/banking/products/b0397994-4a76-4123-9462-506ca0da410a- Content hash
sha256 d67c0bc37371e31eda12a88fb697a389d88ff07ca4c8d83aec04c5284db98ce2- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_d67c0bc37371e31e_f237b99cShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.afghomeloans.com.au/cds-au/v1/banking/products/b0397994-4a76-4123-9462-506ca0da410a- Content hash
sha256 d67c0bc37371e31eda12a88fb697a389d88ff07ca4c8d83aec04c5284db98ce2- 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 |
|---|---|---|
| Annual Service Fee | Event | $330.00 |
| Settlement Fee | Upfront | $699.00 |
| Valuation Fee | Upfront | Set in your letter of offer |
| Trust application Fee | Event | $300.00 |
| Risk Fee | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional repayments | More frequent payments are permitted and additional repayments may be made at any time. |
| Offset | Offset account | Up to four 100% offset facilities with no ongoing fees |
| Redraw | Redraw | Minimum manual redraw of $3,000 |
| Digital banking | Internet and mobile banking available | |
| Other | Self certified income | Self Employed Income Confirmation - Customer financial declaration plus one form of income verification |
| Other | 10 year IO term | Up to 10 years Interest Only |
| Other | Splitting your loan | Maximum four splits are offered |
| Other | Acceptable Loan Purposes | This loan can be used for the purposes of investment and owner occupied property purchases, refinancing your existing home loan, business purposes(excluding working capital), and personal needs (e.g.home renovations, consolidation of personal debt and personal investments). |
| Other | Unacceptable Loan Purposes | This loan cannot be used for working capital, bridging loans, or any unlawful purposes. |
| Other | Top up | Loan variation acceptable |
| Other | Cash Out | Documentary evidence is required where Cash Out is > $200,000 |
| Other | Common debt reducer | Where an applicant shares common debts with their (non-applicant) spouse/defacto and appropriate supporting evidence can be provided, 50% of the joint debt can be used in servicing, and applicant can be treated as single. |
| Other | Loan Term | Loan term Minimum 8 years maximum 30 years |
| Other | Credit history | Unlimited number of paid & unpaid defaults, judgments and writs (up to the value of $1,000). Discharged Bankrupt > 1 day |
| Other | Arrears | 30 days or less mortgage arrears |
| Eligibility: natural person | Individuals | |
| Eligibility: business | Non-individual borrowers | Registered Australian companies, subject to taxation. Trustee companies acting on behalf of trusts |
| Eligibility: min age | 18 | Individuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older. |
| Eligibility: other | Applications for home loans are subject to the Bank's normal credit approval. | |
| Eligibility: residency status | Borrowers, mortgagors, and guarantors must reside in Australia and one of the following: Australian Citizen or Australian Permanent Resident. Individuals who hold a Partner/Spousal Resident Visa (e.g., Subclass 309, 820) are permitted, on the basis that a joint application is submitted with one of the above defined eligible borrowers. | |
| Limit: max balance | 2000000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 60% or less · $100,000–$750,000 | 1 Nov 2026 | Current | 8.04% | 8.27% |
| Variable · owner occupied · interest only · LVR 60%–70% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.04% | 8.29% |
| Variable · investment · interest only · LVR 70%–80% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.34% | 8.74% |
| Variable · investment · principal and interest · LVR 60%–70% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.04% | 8.48% |
| Variable · investment · interest only · LVR 60%–70% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.14% | 8.51% |
| Variable · owner occupied · interest only · LVR 60%–70% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.04% | 8.29% |
| Variable · owner occupied · interest only · LVR 70%–80% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.38% | 8.67% |
| Variable · investment · interest only · LVR 70%–80% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.24% | 8.69% |
| Variable · investment · interest only · LVR 70%–80% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.34% | 8.74% |
| Variable · owner occupied · interest only · LVR 60% or less · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.47% |
| Variable · owner occupied · principal and interest · LVR 60%–70% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 7.94% | 8.38% |
| Variable · investment · interest only · LVR 60%–70% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.34% | 8.71% |
| Variable · owner occupied · interest only · LVR 60% or less · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.04% | 8.27% |
| Variable · owner occupied · principal and interest · LVR 60% or less · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 7.94% | 8.36% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 7.94% | 8.42% |
| Variable · investment · interest only · LVR 60% or less · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.63% |
| Variable · owner occupied · interest only · LVR 70%–80% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.24% | 8.53% |
| Variable · investment · interest only · LVR 70%–80% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.48% | 8.88% |
| Variable · investment · interest only · LVR 60% or less · $100,000–$750,000 | 1 Nov 2026 | Current | 8.14% | 8.49% |
| Variable · investment · interest only · LVR 60% or less · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.04% | 8.43% |
| Variable · investment · principal and interest · LVR 70%–80% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.24% | 8.72% |
| Variable · investment · interest only · LVR 60%–70% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.14% | 8.51% |
| Variable · investment · principal and interest · LVR 60%–70% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.68% |
| Variable · owner occupied · principal and interest · LVR 60% or less · $750,000–$1,250,000 | 1 Nov 2026 | Current | 7.74% | 8.16% |
| Variable · investment · interest only · LVR 70%–80% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.24% | 8.69% |
| Variable · investment · interest only · LVR 60% or less · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.34% | 8.69% |
| Variable · owner occupied · interest only · LVR 60%–70% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.49% |
| Variable · investment · interest only · LVR 60% or less · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.14% | 8.49% |
| Variable · owner occupied · principal and interest · LVR 60% or less · $100,000–$750,000 | 1 Nov 2026 | Current | 7.74% | 8.16% |
| Variable · investment · principal and interest · LVR 60% or less · $100,000–$750,000 | 1 Nov 2026 | Current | 8.04% | 8.46% |
| Variable · owner occupied · principal and interest · LVR 60%–70% · $100,000–$750,000 | 1 Nov 2026 | Current | 7.74% | 8.18% |
| Variable · investment · interest only · LVR 60% or less · $100,000–$750,000 | 1 Nov 2026 | Current | 8.04% | 8.43% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $100,000–$750,000 | 1 Nov 2026 | Current | 7.94% | 8.42% |
| Variable · investment · interest only · LVR 60%–70% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.66% |
| Variable · owner occupied · principal and interest · LVR 60%–70% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 7.74% | 8.18% |
| Variable · investment · principal and interest · LVR 60% or less · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.66% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.08% | 8.56% |
| Variable · investment · principal and interest · LVR 70%–80% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.38% | 8.86% |
| Variable · investment · principal and interest · LVR 60% or less · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.04% | 8.46% |
| Variable · investment · principal and interest · LVR 60%–70% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.04% | 8.48% |
| Variable · investment · principal and interest · LVR 70%–80% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.24% | 8.72% |
| Variable · investment · interest only · LVR 70%–80% · $1,250,000–$2,000,000 | 1 Nov 2026 | Current | 8.38% | 8.83% |
| Variable · owner occupied · interest only · LVR 70%–80% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.24% | 8.53% |
| Variable · investment · interest only · LVR 60%–70% · $100,000–$750,000 | 1 Nov 2026 | Current | 8.04% | 8.46% |
| Variable · investment · interest only · LVR 60%–70% · $750,000–$1,250,000 | 1 Nov 2026 | Current | 8.04% | 8.46% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
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