Home loans with more than just low rates
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 |
|---|---|---|---|---|---|
| 6.39% | 6.39% | Variable · owner occupied · principal and interest | 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://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Offset_Variable_Home_Loan_IC82- Content hash
sha256 0f9ed14ba16a214ba18822527ca02a7048ef0255505b3db4f648b8a1ff850ab8- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0f9ed14ba16a214b_3029e758Show details
- Checked
- 1 Nov 2026
- URL
https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Offset_Variable_Home_Loan_IC82- Content hash
sha256 0f9ed14ba16a214ba18822527ca02a7048ef0255505b3db4f648b8a1ff850ab8- 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 |
|---|---|---|
| MORTGAGE_ESTABLISHMENT_FEE | Upfront | $600.00 |
| MORTGAGE_ESTABLISHMENT_FEE_EXISTING_LOAN | Upfront | $300.00 |
| SWITCHING_LOAN_PRODUCTS | Upfront | $200.00 |
| PRODUCTION_OF_TITLE_FEE | Upfront | $330.00 |
| TOP-UP_FEE | Upfront | $200.00 |
| REPRESENTATION_FEE | Event | $99.00 |
| SECURITY_SUBSTITUTION_FEE | Event | $400.00 |
| DISCHARGE_FEE | Event | $295.00 |
| TITLE_SEARCH_FEE | Event | $25.00 |
| FINANCIAL_INSTITUTION_CHEQUE | Transaction | $0.00 |
| REDRAW | Transaction | $0.00 |
| VALUATION_FEE | Upfront | $300.00 |
| VALUATION_FEE_-_NON_STANDARD | Cash advance | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | ||
| Insurance | No-obligation quotes for insurance (with an option of 90 days free building insurance cover during settlement period) | |
| Offset | ||
| Extra repayments | Unlimited additional repayments | |
| Eligibility: employment status | PAYG income and be outside any probationary periods of employment | |
| Eligibility: residency status | Australian citizen | |
| Eligibility: other | Member of BankVic | |
| Eligibility: min age | 18 | |
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.39% | 6.39% |
*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.