RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 3.8%

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Example Interest Rates: Home Loan Variable: 5.69% (5.49%*) • Home Loan Fixed: 5.94% (6.44%*) • Fixed: 5.94% (6.44%*) • Variable: 5.69% (5.49%*) • Investment IO: 5.92% (5.98%*) • Investment PI: 5.94% (5.98%*)

Horizon Bank Product Details

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RESOURCES LIBRARY

PROPERTY REPORTS

RATES FROM 5.94% (6.44%^*)

Home Sweet Home Loan

A variable home loan that ideal for both experienced and first home buyers.

Category: Home Loans Last Updated May 21, 2026 Effective August 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.

Interest Rate
6.49% PA

Comparison Rate
6.71%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for 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 apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

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.

6.04% (6.74%*), >70% LVR - DISCOUNT, 0.700100% - 0.90 ... OO P&I

Lending Rate Type: Discount
Interest Rate: 6.04%, Comparison Rate 6.74%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

6.49% (6.71%*), <=70% LVR - STANDARD, 0.000100% - 0.7 ... OO P&I

Lending Rate Type: Variable
Interest Rate: 6.49%, Comparison Rate 6.71%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

6.64% (6.86%*), >70% LVR - STANDARD, 0.700100% - 0.90 ... OO P&I

Lending Rate Type: Variable
Interest Rate: 6.64%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

Redraw

Digital Banking

Npp Enabled

Offset

Extra Repayments

Product Eligibility

Natural Person

Bank Fees and Charges

150 Annual Fee (Periodic), Amount: Not Listed..

150 Offset Fee (Periodic), Amount: Not Listed.. Additional Information: Only payable if OFFSET feature enabled

350 Establishment Fee (Upfront), Amount: Not Listed..

Legal And Valuation Fees (Cash Advance), Amount: Not Listed.. Additional Information: Third party costs including solicitors, valuers, agent fees & government charges including stamp duty, registration and any other fees we incur as applicable.

Other Fees And Charges May Apply (Cash Advance), Amount: Not Listed.. Additional Information: A full list of fees and charges will be provided if loan is approved. Visit: https://horizonbank.com.au/more/important-info/fees-and-charges/

Limitations & Restrictions (Constraints)

Min Balance of 50000.00

Max Lvr of 0.95

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