RBA Cash Rate: 4.10% · 1AUD = 0.72 USD · Inflation: 3.7%  
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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: 5.04% (7.05%*) • Investment PI: 4.89% (5.26%*)
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  SIMPLE HOME LOAN

SIMPLE HOME LOAN
Category: Home Loans  Last Updated March 26, 2026  Effective April 20, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.24% PA
Comparison Rate
5.24%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: 5.34%, Comparison Rate 5.34%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.44%, Comparison Rate 5.44%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.44%, Comparison Rate 5.44%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.54%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.64%, Comparison Rate 5.64%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.49%, Comparison Rate 5.52%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.59%, Comparison Rate 5.62%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.72%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.82%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.89%, Comparison Rate 5.92%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

  • Digital Banking
  • Extra Repayments
  • Notifications Additional Information: Email, SMS
  • Redraw

Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Australian Residents.

Bank Fees and Charges

  • Bridgingloan (Upfront), Amount: 250.00. Additional Information: Administration fee to cover the cost of setting-up a bridging loan when buying and selling a property
  • Invloan Admin Fee (Upfront), Amount: 400.00. Additional Information: Plus Costs
  • Constructionloan (Upfront), Amount: 600.00. Additional Information: Construction loan fee which includes up to five progress payments to suppliers, additional construction loan progress payment fees $50 per payment
  • Contractvariation (Event), Amount: 150.00.
  • Legalfees (Variable), Amount: Not Listed.. Additional Information: First Option covers the first $1000 of Valuation and Legal Fees, other external costs are on-charged at-cost.
  • Loanadmin (Event), Amount: 250.00.
  • Loanconsent (Event), Amount: 400.00.
  • Mortgagedischarge (Variable), Amount: 175.00. Additional Information: Calculated at time of Discharge, up to a maximum of $600
  • Securityguarantee (Variable), Amount: 250.00.
  • Securitysubstitution (Variable), Amount: 250.00.
  • Titleproduction (Variable), Amount: 150.00.
  • Governmentfeescharges (Variable), Amount: Not Listed.. Additional Information: Stamp Duties and other government costs depend on value of the property and state

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Limit of 2000000.00

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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