Homepedia Assistant

Home loan rates › Bank of us

Flexidiscount Home Guarantee Scheme Home Loan

Bank of us

CDR officialNot listed in rate tables

The FlexiDiscount Australian Government 5% Deposit Scheme Home Loan offers great pricing and flexibility, with the option of either a very competitive variable or fixed rate (ranging from 1 - 5 years)

Lender's product page ↗

Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

RateComparison*Applies toConditionsSourceSince
6.59%6.23%Fixed · 1 year · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.59%6.30%Fixed · 1 year · owner occupied · interest only · LVR Over 90%CDR1 Nov 2026
6.59%6.27%Fixed · 2 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.59%6.34%Fixed · 2 years · owner occupied · interest only · LVR Over 90%CDR1 Nov 2026
6.64%6.32%Fixed · 3 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.64%6.39%Fixed · 3 years · owner occupied · interest only · LVR Over 90%CDR1 Nov 2026
6.74%6.39%Fixed · 4 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.74%6.46%Fixed · 4 years · owner occupied · interest only · LVR Over 90%CDR1 Nov 2026
6.94%6.52%Fixed · 5 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.94%6.59%Fixed · 5 years · owner occupied · interest only · LVR Over 90%CDR1 Nov 2026
6.19%6.19%Variable · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.19%6.19%Variable · owner occupied · interest only · LVR Over 90%CDR1 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.

Leave out names, emails and phone numbers.

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_HGS
Content hash
sha256 4f01b619e221b00cf009b396feb5bc38160f753a181916b476172059a0adbc45
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_4f01b619e221b00c_4a84f4acShow details
Checked
1 Nov 2026
URL
https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Flexidiscount_HGS
Content hash
sha256 4f01b619e221b00cf009b396feb5bc38160f753a181916b476172059a0adbc45
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

FeeTypeAmount
SETTLEMENT_FEEUpfront$350.00
TITLE_SEARCH_FEEUpfrontSet in your letter of offer
FURTHER_APPLICATION_FEEEvent$300.00
SPECIAL_ATTENDANCE_FEEEvent$300.00
VARIATION_FEEEvent$300.00
ARREARS_FEEEvent$40.00
INSURANCE_COLLECTION_FEEEvent$40.00
EVIDENCE_RETRIEVAL_FEEEvent$20.00
CHEQUE_DISHONOUR_(INWARD)_FEEEvent$12.00
DUPLICATE_STATEMENT_FEEEvent$5.00
DISCHARGE_FEEEvent$395.00
SECURITY_REVIEW_FEEUpfront$275.00
LENDER'S_MORTGAGE_INSURANCE_PREMIUMUpfrontSet in your letter of offer
LOAN_DOCUMENTATION_COSTSUpfront$325.00
BREAK_COST_FEEExitSet in your letter of offer
PROGRESS_INSPECTION_FEESUpfront per planSet in your letter of offer

Features and eligibility

ItemValueDetails
Redraw
Digital banking
Extra repayments
Npp enabled
Eligibility: min age18
Eligibility: residency statusShould 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 balance20000.00
Limit: max balance2500000.00

Rate history

RateFromToRate p.a.Comparison
Fixed · 3 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current6.64%6.32%
Fixed · 5 years · owner occupied · interest only · LVR Over 90%1 Nov 2026Current6.94%6.59%
Fixed · 5 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current6.94%6.52%
Variable · owner occupied · interest only · LVR Over 90%1 Nov 2026Current6.19%6.19%
Fixed · 3 years · owner occupied · interest only · LVR Over 90%1 Nov 2026Current6.64%6.39%
Fixed · 4 years · owner occupied · interest only · LVR Over 90%1 Nov 2026Current6.74%6.46%
Fixed · 1 year · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current6.59%6.23%
Variable · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current6.19%6.19%
Fixed · 2 years · owner occupied · interest only · LVR Over 90%1 Nov 2026Current6.59%6.34%
Fixed · 4 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current6.74%6.39%
Fixed · 2 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current6.59%6.27%
Fixed · 1 year · owner occupied · interest only · LVR Over 90%1 Nov 2026Current6.59%6.30%

*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

TagMeaningEffect
purpose:special-purposepurpose:special-purpose
special-purposeReason this product is not ranked

How tags and ranking work

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.