If you want a home loan with great pricing and flexibility, but without the need for an offset account, then our FlexiDiscount Home Loan with the option of either a very competitive variable or fixed
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% | 6.23% | Fixed · 1 year · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.54% | 6.23% | Fixed · 1 year · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.59% | 6.23% | Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.74% | 6.25% | Fixed · 1 year · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 7.36% | Fixed · 1 year · owner occupied · interest only · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.54% | 6.26% | Fixed · 2 years · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.54% | 6.26% | Fixed · 2 years · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.59% | 6.27% | Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.74% | 6.30% | Fixed · 2 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 7.31% | Fixed · 2 years · owner occupied · interest only · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.59% | 6.30% | Fixed · 3 years · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.59% | 6.30% | Fixed · 3 years · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.32% | Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 6.39% | Fixed · 3 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 7.31% | Fixed · 3 years · owner occupied · interest only · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.69% | 6.37% | Fixed · 4 years · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.69% | 6.37% | Fixed · 4 years · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.74% | 6.39% | Fixed · 4 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 6.45% | Fixed · 4 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 7.28% | Fixed · 4 years · owner occupied · interest only · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.89% | 6.50% | Fixed · 5 years · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.89% | 6.50% | Fixed · 5 years · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.94% | 6.52% | Fixed · 5 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.09% | 6.59% | Fixed · 5 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 7.34% | Fixed · 5 years · owner occupied · interest only · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.19% | 6.19% | Variable · owner occupied · interest only · LVR 0%–60% | CDR | 1 Nov 2026 | |
| 6.19% | 6.19% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.19% | 6.19% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.19% | 6.19% | Variable · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.34% | 7.41% | Variable · owner occupied · interest only · 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.
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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/Flexidiscount- Content hash
sha256 47fe45053a8d362066c4a1b448616385b7b90f0c4351617e0b37a321d0c4832f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_47fe45053a8d3620_fce1d770Show details
- Checked
- 1 Nov 2026
- URL
https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Flexidiscount- Content hash
sha256 47fe45053a8d362066c4a1b448616385b7b90f0c4351617e0b37a321d0c4832f- 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 |
| LOAN_DOCUMENTATION_COSTS | Upfront | $325.00 |
| BREAK_COST_FEE | Exit | Set in your letter of offer |
| PROGRESS_INSPECTION_FEES | Upfront per plan | Set in your letter of offer |
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. | |
| Eligibility: natural person | ||
| Limit: min balance | 20000.00 | |
| Limit: max balance | 2500000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 4 years · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.69% | 6.37% |
| Fixed · 1 year · owner occupied · interest only · LVR Over 90% | 1 Nov 2026 | Current | 6.84% | 7.36% |
| Fixed · 1 year · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.74% | 6.25% |
| Fixed · 4 years · owner occupied · interest only · LVR Over 90% | 1 Nov 2026 | Current | 6.99% | 7.28% |
| Fixed · 5 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.52% |
| Fixed · 4 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.45% |
| Fixed · 3 years · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.59% | 6.30% |
| Variable · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.19% | 6.19% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.19% | 6.19% |
| Fixed · 4 years · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.69% | 6.37% |
| Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.59% | 6.23% |
| Fixed · 5 years · owner occupied · interest only · LVR Over 90% | 1 Nov 2026 | Current | 7.19% | 7.34% |
| Fixed · 1 year · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.54% | 6.23% |
| Fixed · 5 years · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.89% | 6.50% |
| Fixed · 5 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 6.59% |
| Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.32% |
| Fixed · 1 year · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.23% |
| Fixed · 4 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 6.39% |
| Fixed · 3 years · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.30% |
| Fixed · 3 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.39% |
| Fixed · 2 years · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.26% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.19% | 6.19% |
| Fixed · 5 years · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.89% | 6.50% |
| Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.59% | 6.27% |
| Variable · owner occupied · interest only · LVR Over 90% | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Fixed · 2 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.74% | 6.30% |
| Fixed · 3 years · owner occupied · interest only · LVR Over 90% | 1 Nov 2026 | Current | 6.99% | 7.31% |
| Variable · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.19% | 6.19% |
| Fixed · 2 years · owner occupied · interest only · LVR 0%–60% | 1 Nov 2026 | Current | 6.54% | 6.26% |
| Fixed · 2 years · owner occupied · interest only · LVR Over 90% | 1 Nov 2026 | Current | 6.84% | 7.31% |
*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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