A straight up low rate home loan that's easy to understand. With perks that make sense, like no ongoing fees and free online redraw.
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 |
|---|---|---|---|---|---|
| 7.54% | 7.23% | Variable · owner occupied · interest only | 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://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/LB9095OOIO_V1- Content hash
sha256 7643df08288297b048cf82eb8786b7e3a27c8a5245c7f1752d41b826a959f1b8- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7643df08288297b0_6674859aShow details
- Checked
- 1 Nov 2026
- URL
https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/LB9095OOIO_V1- Content hash
sha256 7643df08288297b048cf82eb8786b7e3a27c8a5245c7f1752d41b826a959f1b8- 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 |
|---|---|---|
| LBAPPFEE | Payment | $199.00 |
| TITLEPRODFEE | Event | $150.00 |
| TITLESEARCH | Event | $50.00 |
| SETTLEMENTATTFEE | Event | $75.00 |
| SEARCHFEE | Event | $20.00 |
| PROGPAYMENT | Event | $30.00 |
| PHOTOCOPYFEE | Event | $3.00 |
| DISCHARGE_FEE | Exit | $350.00 |
| REDRAW | Transaction | $30.00 |
| CONSENT_FEE | Event | $150.00 |
| DEFAULTFEE | Payment | $20.00 |
| AGENT_FEE | Payment | $150.00 |
| CHQFEE | Event | $10.00 |
| DUPLICATESTATEMENTFEE | Event | $2.00 |
| LANDTITLE | Cash advance | $0.00 |
| LEGALCOSTS | Cash advance | $0.00 |
| SECURITYSEARCH | Cash advance | $0.00 |
| VALFEE | Cash advance | $0.00 |
| CONTRACTVARIATIONFEE | Event | $300.00 |
| SWITCHFEE | Event | $300.00 |
| DISHONOURFEE | Payment | $16.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Redraw | Unlimited redraw using online banking | |
| Other | No monthly account keeping fees | |
| Other | Flexible Repayments - weekly, fortnightly or monthly | |
| Other | eStatements only on this product | |
| Extra repayments | ||
| Eligibility: min age | 18 | 18 |
| Eligibility: other | Maximum Loan to Value Ratio of 95% | |
| Eligibility: residency status | Must be an Australian resident or citizen, with an Australian residential mailing address | |
| Eligibility: other | Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply | |
| Limit: min lvr | 0.90 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 7.54% | 7.23% |
*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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