A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (investment, principal and interest loan).
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 |
|---|---|---|---|---|---|
| 6.44% | 6.46% | Variable · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.49% | 6.51% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.54% | 6.56% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 7.31% | Variable · investment · principal and interest · LVR 80%–85% | CDR | 1 Nov 2026 | |
| 7.39% | 7.41% | Variable · investment · principal and interest · LVR 85%–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://public.cdr-api.86400.com.au/cds-au/v1/banking/products/12- Content hash
sha256 8d250c0a1244afc18f97eba694371b84be532f3a22885dc3d6842148049770a2- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_8d250c0a1244afc1_7d0619c8Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/12- Content hash
sha256 8d250c0a1244afc18f97eba694371b84be532f3a22885dc3d6842148049770a2- 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 |
|---|---|---|
| Loan Advance Fee | Upfront | $250.00 |
| Valuation Fee | Other | Set in your letter of offer |
| Documentation Fee | Event | $100.00 |
| Discharge Fee | Event | $300.00 |
| Production Fee | Event | $110.00 |
| Switch fee | Event | $100.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Extra repayments | ||
| Notifications | Customers can configure notifications for incoming payments, services disruptions and updates, and account access. | Customers can configure notifications for incoming payments, services disruptions and updates, and account access. |
| Npp payid | ||
| Redraw | ||
| Eligibility: employment status | Applicants must be a PAYG employee. | Applicants must be a PAYG employee. |
| Eligibility: min age | 18 | Applicants must be at least 18 years of age. |
| Eligibility: natural person | ||
| Eligibility: other | - Max 2 borrowers. - Be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You won't be able to apply with a sibling or parent). - Credit criteria, fees and charges apply. | |
| Eligibility: residency status | Be an Australian or New Zealand citizen, or a permanent resident of Australia. | Be an Australian or New Zealand citizen, or a permanent resident of Australia. |
| Limit: max limit | 5000000.00 | |
| Limit: max lvr | 90.00 | |
| Limit: min limit | 80000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.56% |
| Variable · investment · principal and interest · LVR 80%–85% | 1 Nov 2026 | Current | 7.29% | 7.31% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.49% | 6.51% |
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.44% | 6.46% |
| Variable · investment · principal and interest · LVR 85%–90% | 1 Nov 2026 | Current | 7.39% | 7.41% |
*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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