A home loan with a competitive variable interest rate and no monthly fees. Suitable for customers who don't require the benefits of an offset account.
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% | 6.58% | Variable · investment · interest only · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 6.54% | 6.58% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.59% | 6.63% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.03% | Variable · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.44% | 6.48% | Variable · investment · principal and interest · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 6.44% | 6.48% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.49% | 6.53% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 6.93% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.29% | 6.32% | Variable · owner occupied · principal and interest · LVR 1%–60% | CDR | 1 Nov 2026 | |
| 6.29% | 6.32% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.44% | 6.48% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.64% | 6.68% | Variable · owner occupied · principal and interest · LVR 80%–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.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e- Content hash
sha256 9b897f3d37340361fb70332a1b919d7e654f71fb387cc829f7708d74d5b84163- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_9b897f3d37340361_2378c1c0Show details
- Checked
- 1 Nov 2026
- URL
https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e- Content hash
sha256 9b897f3d37340361fb70332a1b919d7e654f71fb387cc829f7708d74d5b84163- 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 |
|---|---|---|
| ESTABLISHMENT_FEE_-_BASIC_HOME_LOAN | Upfront | $300.00 |
| PRINCIPAL_INCREASE_FEE_-_HOME_LOAN | Event | $300.00 |
| PROGRESS_PAYMENT_FEE | Event | $450.00 |
| SETTLEMENT_FEE | Event | $100.00 |
| VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES | Cash advance | Set in your letter of offer |
| LENDERS_MORTGAGE_INSURANCE_PREMIUM | Cash advance | Set in your letter of offer |
| PROPERTY_INSPECTION_FEE | Cash advance | Set in your letter of offer |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS | Cash advance | Set in your letter of offer |
| BASIC_VARIATION_FEE | Event | $150.00 |
| COMPLEX_VARIATION_FEE | Event | $300.00 |
| REDRAW_FEE | Event | $20.00 |
| VALUATION_FEE_-_POST_SETTLEMENT | Cash advance | Set in your letter of offer |
| DEFAULT_ADMINISTRATION_FEE | Event | $40.00 |
| CONDITIONS_SUBSEQUENT_COSTS | Cash advance | Set in your letter of offer |
| RTGS_OUTWARD_PAYMENT_FEE | Transaction | $20.00 |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT | Cash advance | Set in your letter of offer |
| MORTGAGE_RELEASE_FEE | Event | $400.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | ||
| Bill payment | BPAY | |
| Npp enabled | ||
| Npp payid | ||
| Extra repayments | ||
| Eligibility: min age | 18 | |
| Eligibility: max age | 75 | |
| Eligibility: natural person | Available for personal use only. | |
| Limit: max balance | 3500000.00 | |
| Limit: min balance | 50000.00 | |
| Limit: max lvr | 0.90 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 1%–60% | 1 Nov 2026 | Current | 6.54% | 6.58% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.32% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.99% | 7.03% |
| Variable · owner occupied · principal and interest · LVR 1%–60% | 1 Nov 2026 | Current | 6.29% | 6.32% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.44% | 6.48% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.64% | 6.68% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.59% | 6.63% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.48% |
| Variable · investment · principal and interest · LVR 1%–60% | 1 Nov 2026 | Current | 6.44% | 6.48% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.58% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.53% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.93% |
*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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