RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  
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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

  Interest Only (Owner Occupied)

Interest Only (Owner Occupied)
Category: Home Loans  Last Updated December 6, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information VARIABLE INTEREST ONLY RATE FOR OWNER OCCUPIED HOMES WITH LVR <= 60%
Interest Rate
7.49% PA
Comparison Rate
7.56%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Lending Rate Type: Variable
Interest Rate: 8.14%, Comparison Rate 8.21%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 8.54%, Comparison Rate 8.61%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 7.84%, Comparison Rate 7.91%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 8.14%, Comparison Rate 8.21%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 8.54%, Comparison Rate 8.61%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 7.49%, Comparison Rate 7.56%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 7.79%, Comparison Rate 7.86%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 8.19%, Comparison Rate 8.26%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Product Features

  • Digital Banking
  • Extra Repayments Additional Information: There is no limit to the extra amount/value of repayments added to the loan as long as the balance owed does not come back to $0.00 or put in a positive position.
  • Guarantor
  • Npp Enabled
  • Redraw

Product Eligibility

  • Min Age - 15.
  • Natural Person
  • Residency Status - Australia.

Bank Fees and Charges

  • Loan Establishment Fee (Upfront), Amount: 300.00.
  • Loan Renegotiation Fee (Event), Amount: 150.00.
  • Settlement Disbursement Fee (Upfront), Amount: 5.00.
  • Loan Switching Fee (Event), Amount: 200.00.
  • Loan Estab Fee - Owner Builder (Upfront), Amount: 500.00.
  • Scheduling Fee - Owner Builder (Upfront), Amount: 550.00.
  • Progress Draw Fee-construction (Upfront), Amount: 95.00.
  • Cu Solicitor Mtg Discharge Fee (Transaction), Amount: 380.00.
  • Mortgage Discharge Fee (Transaction), Amount: 250.00.
  • Ppsr Security Interest Fee (Upfront), Amount: 50.00.
  • Property Search Fee (Upfront), Amount: 30.00.
  • Manual Arrears Transfer Fee (Event), Amount: 5.00.
  • Arrears Reminder Fee (Event), Amount: 5.00.
  • Final Notice Of Demand (Event), Amount: 40.00.
  • Real Time Transfer/npp Fee (Upfront), Amount: 20.00.
  • Loan Redraw Fee (Transaction), Amount: 20.00.
  • Loan Redraw Fee (Transaction), Amount: 0.00.

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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