If you want a variable rate home loan with great pricing and flexity with the added benefit of an offset account, then our TopLine Home Loan could be just what you are looking for.
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 |
|---|---|---|---|---|---|
| 6.24% | 6.24% | Variable · owner occupied · principal and interest · LVR 0%–80% | CDR | 1 Nov 2026 | |
| 6.24% | 6.24% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.39% | 7.46% | Variable · owner occupied · principal and interest · LVR Over 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.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/TopLineOO- Content hash
sha256 36fe88212238a3d80c0f9da896ee784e4b3f5762bb91bc0649869938f8f20689- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_36fe88212238a3d8_8f29953aShow details
- Checked
- 1 Nov 2026
- URL
https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/TopLineOO- Content hash
sha256 36fe88212238a3d80c0f9da896ee784e4b3f5762bb91bc0649869938f8f20689- 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 |
|---|---|---|
| SETTLEMENT_FEE | Upfront | $350.00 |
| TITLE_SEARCH_FEE | Upfront | Set in your letter of offer |
| FURTHER_APPLICATION_FEE | Event | $300.00 |
| SPECIAL_ATTENDANCE_FEE | Event | $300.00 |
| VARIATION_FEE | Event | $300.00 |
| ARREARS_FEE | Event | $40.00 |
| INSURANCE_COLLECTION_FEE | Event | $40.00 |
| EVIDENCE_RETRIEVAL_FEE | Event | $20.00 |
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12.00 |
| DUPLICATE_STATEMENT_FEE | Event | $5.00 |
| DISCHARGE_FEE | Event | $395.00 |
| SECURITY_REVIEW_FEE | Upfront | $275.00 |
| LENDER'S_MORTGAGE_INSURANCE_PREMIUM | Upfront | Set in your letter of offer |
| PROGRESS_INSPECTION_FEES | Upfront per plan | Set in your letter of offer |
| LOAN_DOCUMENTATION_COSTS | Upfront | $325.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | ||
| Npp enabled | ||
| Redraw | ||
| Digital banking | ||
| Offset | ||
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa. | |
| Limit: min limit | 20000.00 | |
| Limit: min limit | 2500000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 0%–80% | 1 Nov 2026 | Current | 6.24% | 6.24% |
| Variable · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.39% | 7.46% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.24% | 6.24% |
*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
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