A flexible home loan with a range of features.
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 |
|---|---|---|---|---|---|
| 6.64% | 9.00% | Fixed · 1 year · investment · interest only | CDR | 1 Nov 2026 | |
| 6.64% | 8.74% | Fixed · 2 years · investment · interest only | CDR | 1 Nov 2026 | |
| 6.74% | 8.54% | Fixed · 3 years · investment · interest only | CDR | 1 Nov 2026 | |
| 6.64% | 9.00% | Fixed · 1 year · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.64% | 8.73% | Fixed · 2 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.74% | 8.52% | Fixed · 3 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.44% | 8.63% | Fixed · 1 year · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.44% | 8.38% | Fixed · 2 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.54% | 8.19% | Fixed · 3 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 9.28% | 9.31% | Variable · investment · interest only | CDR | 1 Nov 2026 | |
| 9.28% | 9.31% | Variable · investment · principal and interest | CDR | 1 Nov 2026 | |
| 8.88% | 8.91% | 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.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan- Content hash
sha256 c64e32d6f24a6a72aacabe3ced45e28fd27db3cadd361a2d227094f3475c825a- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c64e32d6f24a6a72_52191e62Show details
- Checked
- 1 Nov 2026
- URL
https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan- Content hash
sha256 c64e32d6f24a6a72aacabe3ced45e28fd27db3cadd361a2d227094f3475c825a- 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 |
|---|---|---|
| CHEQUE_ISSUING_FEE | Event | $2.50 |
| CONSENT_FEE | Event | $200.00 |
| DEFAULT_ADMINISTRATION_FEE | Event | $50.00 |
| DISCHARGE_ADMINISTRATION_FEE | Event | $200.00 |
| DISHONOUR_FEE | Event | $9.00 |
| DUPLICATE_FEE | Event | $20.00 |
| DUPLICATE_STATEMENT_FEE | Event | $7.00 |
| PHOTOCOPYING_FEE | Event | $0.50 |
| PRODUCTION_FEE | Event | $200.00 |
| RENEGOTIATION_FEE | Event | $300.00 |
| SECURITY_SUBSTITUTION_FEE | Event | $300.00 |
| SETTLEMENT_FEE | Event | $150.00 |
| SWITCHING_FEE | Event | $300.00 |
| VALUATION_FEE_CONSUMER_LOANS | Cash advance | Set in your letter of offer |
| AGENTS_COSTS | Cash advance | Set in your letter of offer |
| INFORMATION_FEE | Cash advance | $20.00 |
| PROGRESS_PAYMENT_FEE | Cash advance | $100.00 |
| VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION) | Cash advance | Set in your letter of offer |
| ROLLOVER_FEE | Event | $200.00 |
| BREAK_COSTS_ADMINISTRATION_FEE | Event | $300.00 |
| BREAK_COSTS_HOME_LOANS | Cash advance | Set in your letter of offer |
| LOAN_APPLICATION_FEE_HOME_LOAN_OR_EXPRESS_CREDIT | Upfront | $300.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% Offset Account for variable rate loans only | |
| Redraw | Minimum redraw $500.00, online or staff assisted | |
| Other | Interest only options available | |
| Other | Construction option available | |
| Digital banking | ||
| Other | Variable and fixed interest rate options available | |
| Other | Available for bridging purposes | |
| Other | Split Loan | |
| Extra repayments | Unlimited on Variable Rate Home Loans with no additional cost. Up to $20,000 permitted during a Fixed Rate term without penalty | |
| Eligibility: residency status | Australian citizen or a permanent resident of Australia or otherwise approved | |
| Eligibility: min age | 18 | |
| Eligibility: other | Secured by approved residential or rural lifestyle property | |
| Limit: min limit | 20000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only | 1 Nov 2026 | Current | 9.28% | 9.31% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 8.88% | 8.91% |
| Fixed · 1 year · investment · principal and interest | 1 Nov 2026 | Current | 6.64% | 9.00% |
| Fixed · 2 years · investment · principal and interest | 1 Nov 2026 | Current | 6.64% | 8.73% |
| Fixed · 2 years · investment · interest only | 1 Nov 2026 | Current | 6.64% | 8.74% |
| Fixed · 1 year · investment · interest only | 1 Nov 2026 | Current | 6.64% | 9.00% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 9.28% | 9.31% |
| Fixed · 3 years · investment · interest only | 1 Nov 2026 | Current | 6.74% | 8.54% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.44% | 8.63% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.54% | 8.19% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.44% | 8.38% |
| Fixed · 3 years · investment · principal and interest | 1 Nov 2026 | Current | 6.74% | 8.52% |
*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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