A no-frills variable rate home loan with access to redraw and the ability to make additional repayments.
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 |
|---|---|---|---|---|---|
| 6.59% | 6.60% | Variable · investment · interest only · LVR 60% or less · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 60% or less · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 60% or less · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 60%–70% · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 60%–70% · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 60%–70% · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 70%–80% · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 70%–80% · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Variable · investment · interest only · LVR 70%–80% · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.84% | 6.85% | Variable · investment · interest only · LVR 80%–90% · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.84% | 6.85% | Variable · investment · interest only · LVR 80%–90% · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.84% | 6.85% | Variable · investment · interest only · LVR 80%–90% · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 60% or less · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 60% or less · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 60% or less · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 60%–70% · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 60%–70% · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 60%–70% · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 70%–80% · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 70%–80% · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · investment · principal and interest · LVR 70%–80% · $500,000–$5,000,000 | CDR | 1 Nov 2026 | |
| 6.69% | 6.70% | Variable · investment · principal and interest · LVR 80%–90% · $100,000–$349,999 | CDR | 1 Nov 2026 | |
| 6.69% | 6.70% | Variable · investment · principal and interest · LVR 80%–90% · $350,000–$499,999 | CDR | 1 Nov 2026 | |
| 6.69% | 6.70% | Variable · investment · principal and interest · LVR 80%–90% · $500,000–$5,000,000 | 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://prd.cdr.aussie.com.au/cds-au/v1/banking/products/d3bc4b65-c3ef-4f4e-be5b-d591b5e4c28a- Content hash
sha256 158c10b06037f3d999ae6d877b70df12abe0a4158755488d31e089cb21031857- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_158c10b06037f3d9_65c1d2a4Show details
- Checked
- 1 Nov 2026
- URL
https://prd.cdr.aussie.com.au/cds-au/v1/banking/products/d3bc4b65-c3ef-4f4e-be5b-d591b5e4c28a- Content hash
sha256 158c10b06037f3d999ae6d877b70df12abe0a4158755488d31e089cb21031857- 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 |
|---|---|---|
| Consent Fee | Event | $300.00 |
| Settlement Fee (Discharge) | Event | $535.00 |
| Document Handling Fee | Event | $50.00 |
| Enforcement Costs | Event | Set in your letter of offer |
| Further Advance Application Fee | Event | $400.00 |
| Late Payment Fee | Event | $50.00 |
| Lenders Mortgage Insurance Premium | Other | Set in your letter of offer |
| Payment Dishonour Fee | Dishonour | $10.00 |
| Redraw Fee | Event | $50.00 |
| Documentation Fee | Event | Set in your letter of offer |
| Legal Fee | Event | $330.00 |
| Special Attendance Fee | Event | $300.00 |
| Urgent Transfer Fee | Event | $30.00 |
| Valuation Fee | Event | $300.00 |
| Variation Fee | Event | $100.00 |
| Settlement Cheque Fee | Event | $10.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Ability to make unlimited payments in excess of the required monthly repayment amount | Additional repayments can be made at any time. No fees apply. |
| Other | Top up | You can apply to top up your home loan by an additional $10,000 or more - subject to equity in your property and our approval. |
| Guarantor | Guarantor | A person that helps you secure a loan by providing additional security. |
| Other | Loan Term | 10-30 years (Subject to our approval) |
| Redraw | Redraw | Your home loan includes a redraw facility, allowing you to make additional repayments and access any additional funds paid above your minimum required repayment. |
| Other | Switching your loan | Ability to switch your loan or repayment type, for example switching from an Aussie Select Basic Variable Rate to an Aussie Select Basic Fixed Rate home loan or switch from Principal and Interest repayments to Interest Only payments. |
| Other | Splitting your loan | Ability to split your loan balance into multiple loan accounts to take advantage of both fixed and variable rate home loans. This gives you the flexibility to structure your home loan to suit your individual needs by choosing the loan amount, loan type, loan term and repayment structure for each loan. |
| Other | Loan portability | Ability to substitute security property and keep existing loan. Fees apply |
| Other | Acceptable Loan Purposes | This loan can be used for the purposes of owner occupied property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs (e.g. home renovations, consolidation of personal debt, personal investments), off the plan purchases. |
| Digital banking | Wherever you are in the world, we give you the choice and control to securely manage all of your accounts online. | |
| Eligibility: min age | 18 | Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older. |
| Eligibility: natural person | Individuals | Must be a natural person, non-individuals not accepted |
| Eligibility: residency status | Applicable residency status | Eligible applicants must be an Australian citizen, permanent resident, or specified temporary Australian resident; a New Zealand citizen; or an overseas citizen applying jointly with an Australian citizen or permanent resident. |
| Eligibility: other | Sufficient security | The loan must be supported by sufficient security, which includes an acceptable residential mortgage and, if applicable, a guarantor providing additional security. |
| Eligibility: other | Applications for home loans are subject to the Bank's normal credit approval. | |
| Limit: min limit | 100000.00 | |
| Limit: max limit | 5000000.00 | |
| Limit: max balance | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 80%–90% · $350,000–$499,999 | 1 Nov 2026 | Current | 6.69% | 6.70% |
| Variable · investment · interest only · LVR 60% or less · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · interest only · LVR 60%–70% · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · interest only · LVR 80%–90% · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.84% | 6.85% |
| Variable · investment · principal and interest · LVR 70%–80% · $100,000–$349,999 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · interest only · LVR 60%–70% · $100,000–$349,999 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · principal and interest · LVR 60% or less · $100,000–$349,999 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · interest only · LVR 60% or less · $350,000–$499,999 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · principal and interest · LVR 70%–80% · $350,000–$499,999 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · interest only · LVR 70%–80% · $350,000–$499,999 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · interest only · LVR 80%–90% · $350,000–$499,999 | 1 Nov 2026 | Current | 6.84% | 6.85% |
| Variable · investment · interest only · LVR 80%–90% · $100,000–$349,999 | 1 Nov 2026 | Current | 6.84% | 6.85% |
| Variable · investment · principal and interest · LVR 60%–70% · $350,000–$499,999 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · interest only · LVR 70%–80% · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · principal and interest · LVR 60% or less · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · interest only · LVR 60% or less · $100,000–$349,999 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · interest only · LVR 70%–80% · $100,000–$349,999 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · principal and interest · LVR 80%–90% · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.69% | 6.70% |
| Variable · investment · principal and interest · LVR 60% or less · $350,000–$499,999 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · interest only · LVR 60%–70% · $350,000–$499,999 | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Variable · investment · principal and interest · LVR 80%–90% · $100,000–$349,999 | 1 Nov 2026 | Current | 6.69% | 6.70% |
| Variable · investment · principal and interest · LVR 70%–80% · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · principal and interest · LVR 60%–70% · $500,000–$5,000,000 | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · principal and interest · LVR 60%–70% · $100,000–$349,999 | 1 Nov 2026 | Current | 6.54% | 6.55% |
*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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