If you want a residential investment loan with great pricing and flexibility, but without the need for an offset account, then our FlexiDiscount Residential Investment Home Loan with the option of eit
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 |
|---|---|---|---|---|---|
| 6.74% | 6.50% | Fixed · 1 year · investment · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.74% | 6.50% | Fixed · 1 year · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.79% | 6.55% | Fixed · 1 year · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.96% | Fixed · 1 year · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 7.67% | Fixed · 1 year · investment · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.52% | Fixed · 2 years · investment · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.74% | 6.52% | Fixed · 2 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.79% | 6.57% | Fixed · 2 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.97% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 7.61% | Fixed · 2 years · investment · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.57% | Fixed · 3 years · investment · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.79% | 6.57% | Fixed · 3 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.84% | 6.62% | Fixed · 3 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.09% | 7.02% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 7.60% | Fixed · 3 years · investment · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.89% | 6.63% | Fixed · 4 years · investment · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.89% | 6.63% | Fixed · 4 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.94% | 6.68% | Fixed · 4 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.09% | 7.03% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 7.56% | Fixed · 4 years · investment · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 7.09% | 6.75% | Fixed · 5 years · investment · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 7.09% | 6.75% | Fixed · 5 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.14% | 6.81% | Fixed · 5 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 7.14% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.39% | 7.62% | Fixed · 5 years · investment · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.44% | 6.46% | Variable · investment · principal and interest · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.44% | 6.46% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.49% | 6.51% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 6.96% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.64% | 7.74% | Variable · investment · principal and interest · LVR Over 90% | 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/FlexiChoice- Content hash
sha256 ca95b788631cfbf6e71fd23eb26ff69301aa64bc9b074cedc1e86da1b6026339- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_ca95b788631cfbf6_1e077a34Show details
- Checked
- 1 Nov 2026
- URL
https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/FlexiChoice- Content hash
sha256 ca95b788631cfbf6e71fd23eb26ff69301aa64bc9b074cedc1e86da1b6026339- 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 |
|---|---|---|
| SETTLEMENT_FEE | Upfront | $350.00 |
| TITLE_SEARCH_FEE | Upfront | Set in your letter of offer |
| FURTHER_APPLICATION_FEE | Event | $300.00 |
| SPECIAL_ATTENDANCE_FEE | Event | $300.00 |
| VARIATION_FEE | Event | $300.00 |
| ARREARS_FEE | Event | $40.00 |
| INSURANCE_COLLECTION_FEE | Event | $40.00 |
| EVIDENCE_RETRIEVAL_FEE | Event | $20.00 |
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12.00 |
| DUPLICATE_STATEMENT_FEE | Event | $5.00 |
| DISCHARGE_FEE | Event | $395.00 |
| SECURITY_REVIEW_FEE | Upfront | $275.00 |
| LENDER'S_MORTGAGE_INSURANCE_PREMIUM | Upfront | Set in your letter of offer |
| RATE_LOCK_FEE | Event | $500.00 |
| BREAK_COST_FEE | Exit | Set in your letter of offer |
| PROGRESS_INSPECTION_FEES | Upfront per plan | Set in your letter of offer |
| LOAN_DOCUMENTATION_COSTS | Upfront | $325.00 |
| HOME_LOAN_APPLICATION_FEE | Upfront | $300.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | ||
| Digital banking | ||
| Extra repayments | ||
| Npp enabled | ||
| Eligibility: min age | 18 | |
| Eligibility: residency status | Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa. | |
| Limit: min balance | 20000.00 | |
| Limit: max balance | 2500000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 7.09% | 6.75% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.29% | 7.14% |
| Fixed · 3 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.84% | 6.62% |
| Variable · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.64% | 7.74% |
| Fixed · 4 years · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.19% | 7.56% |
| Fixed · 4 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.89% | 6.63% |
| Fixed · 1 year · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.04% | 7.67% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.51% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.94% | 6.97% |
| Fixed · 4 years · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.89% | 6.63% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.46% |
| Variable · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.44% | 6.46% |
| Fixed · 1 year · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.74% | 6.50% |
| Fixed · 3 years · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.79% | 6.57% |
| Fixed · 2 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.57% |
| Fixed · 5 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.14% | 6.81% |
| Fixed · 1 year · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.55% |
| Fixed · 5 years · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.39% | 7.62% |
| Fixed · 4 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.68% |
| Fixed · 2 years · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.74% | 6.52% |
| Fixed · 5 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.09% | 6.75% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.03% |
| Fixed · 2 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.74% | 6.52% |
| Fixed · 3 years · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.19% | 7.60% |
| Fixed · 1 year · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.74% | 6.50% |
| Fixed · 3 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.79% | 6.57% |
| Fixed · 2 years · investment · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.04% | 7.61% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.02% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.96% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.94% | 6.96% |
*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.
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
No one is registered for this product yet. Lender staff and brokers can join through verification.