Standard Variable Home Loan Owner Occupied | Apply Online

A flexible home loan with an interest rate that changes as the market does.

100% offset account and redraw⁴ are available with this home loan product. As is our Get Ahead Start Guarantor option which allows a family member to offer a suitable security property as part of the home loan to help you get started with your first home purchase.

Get Ahead Start Guarantor option
Unlimited extra repayments
Redraw available⁴
100% offset account
Flexible repayment options

8.75 % p.a. Interest rate 8.82 % p.a. Comparison rate

Product Features:

Home Loan Features
Minimum loan amount :	No minimum
Maximum LVR :	80% (dependant on loan purpose and security offered)
Maximum LVR with Lenders Mortgage Insurance :	95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) :	Yes
Maximum loan term :	30 years
Interest calculation :	Calculated daily, charged monthly
Repayment type :	Principal & Interest; Interest Only
Repayment frequency :	Principal & Interest :- weekly, fortnightly or monthly; Interest Only :- monthly
Establishment fee :	$500
Monthly loan fee :	$0
Package fee :	$0
Extra repayments :	Unlimited
Interest offset :	Yes
Redraw :	Yes
Pre-approval :	Yes
Loan preparation fees :	At cost
Increase/top up :	Yes
Second mortgage security :	Yes
Vacant land as sole security :	Yes

Home loan calculators

Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.

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Calculators

Additional Information

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Footnotes:

¹ Eligibility criteria, terms and conditions and fees and charges apply.
² Comparison rate based on $150,000 loan over 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.
³ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
⁴ Minimum redraw amount of $100 and $30 service fee applies.

Standard Variable Home Loan – Owner Occupied