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%*)

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RESOURCES LIBRARY

PROPERTY REPORTS

RATES FROM 4.79% (5.47%^*)

Home Sweet Home Loan

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

Category: Home Loans Last Updated December 22, 2025 Effective December 22, 2025

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
5.74% PA

Comparison Rate
5.96%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..

5.29% (5.99%*), >70% LVR - DISCOUNT, 70.01% - 90% OO P&I

Lending Rate Type: Discount
Interest Rate: 5.29%, Comparison Rate 5.99%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.74% (5.96%*), <=70% LVR - STANDARD, 0.01% - 70% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.74%, Comparison Rate 5.96%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.89% (6.11%*), >70% LVR - STANDARD, 70.01% - 90% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.89%, Comparison Rate 6.11%
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: 150.00.

150 Offset Fee (Periodic), Amount: 150.00. Additional Information: Only payable if OFFSET feature enabled

350 Establishment Fee (Upfront), Amount: 350.00.

Legal And Valuation Fees (Variable), Amount: 0.00. 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 (Variable), Amount: 0.00. 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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