AFG Home Loans -RetroRetro Lite
A low doc OO/INV variable home loan with both P&I and IO rate
Home loansLender updated 8 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 7.19%7.53% comparison
- Variable (investor P&I)
- 7.34%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.39% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 99th lowest of 102 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.54% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 95th lowest of 102, level with 2 others |
Rates
Every rate AFG Home Loans -Retro publishes for this home loan, 54 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%7.19%
- 60–70%7.19%
- 70–80%7.39%
- 80–90%8.09%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤60% LVR, $100,000–$750,000 | 7.49% | 7.73% | - |
| Variable | Investment, Interest only | - | ≤60% LVR, $100,000–$750,000 | 7.59% | 7.82% | - |
| Variable | Investment, Interest only | - | ≤60% LVR, $1,250,000–$3,000,000 | 7.49% | 7.73% | - |
| Variable | Investment, Interest only | - | ≤60% LVR, $1,250,000–$3,000,000 | 7.59% | 7.82% | - |
| Variable | Investment, Interest only | - | ≤60% LVR, $750,000–$1,250,000 | 7.49% | 7.73% | - |
| Variable | Investment, Interest only | - | ≤60% LVR, $750,000–$1,250,000 | 7.59% | 7.82% | - |
| Variable | Investment, Interest only | - | 60–70% LVR, $100,000–$750,000 | 7.49% | 7.75% | - |
| Variable | Investment, Interest only | - | 60–70% LVR, $100,000–$750,000 | 7.59% | 7.83% | - |
| Variable | Investment, Interest only | - | 60–70% LVR, $1,250,000–$3,000,000 | 7.49% | 7.75% | - |
| Variable | Investment, Interest only | - | 60–70% LVR, $1,250,000–$3,000,000 | 7.59% | 7.83% | - |
| Variable | Investment, Interest only | - | 60–70% LVR, $750,000–$1,250,000 | 7.49% | 7.75% | - |
| Variable | Investment, Interest only | - | 60–70% LVR, $750,000–$1,250,000 | 7.59% | 7.83% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $100,000–$750,000 | 7.64% | 7.90% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $100,000–$750,000 | 7.74% | 7.98% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $1,250,000–$2,500,000 | 7.74% | 8.00% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $1,250,000–$2,500,000 | 7.84% | 8.08% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $750,000–$1,250,000 | 7.64% | 7.90% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $750,000–$1,250,000 | 7.74% | 7.98% | - |
| Variable | Investment, Interest only | - | 80–90% LVR, $100,000–$750,000 | 8.39% | 8.65% | - |
| Variable | Investment, Interest only | - | 80–90% LVR, $1,250,000–$2,000,000 | 8.39% | 8.65% | - |
| Variable | Investment, Interest only | - | 80–90% LVR, $750,000–$1,250,000 | 8.39% | 8.65% | - |
| Variable | Investment, P&I | - | ≤60% LVR, $100,000–$750,000 | 7.34% | 7.68% | - |
| Variable | Investment, P&I | - | ≤60% LVR, $1,250,000–$3,000,000 | 7.34% | 7.68% | - |
| Variable | Investment, P&I | - | ≤60% LVR, $750,000–$1,250,000 | 7.34% | 7.68% | - |
| Variable | Investment, P&I | - | 60–70% LVR, $100,000–$750,000 | 7.39% | 7.73% | - |
| Variable | Investment, P&I | - | 60–70% LVR, $1,250,000–$3,000,000 | 7.39% | 7.73% | - |
| Variable | Investment, P&I | - | 60–70% LVR, $750,000–$1,250,000 | 7.39% | 7.73% | - |
| Variable | Investment, P&I | - | 70–80% LVR, $100,000–$750,000 | 7.54% | 7.88% | - |
| Variable | Investment, P&I | - | 70–80% LVR, $1,250,000–$2,500,000 | 7.64% | 7.98% | - |
| Variable | Investment, P&I | - | 70–80% LVR, $750,000–$1,250,000 | 7.54% | 7.88% | - |
| Variable | Investment, P&I | - | 80–90% LVR, $100,000–$750,000 | 8.29% | 8.62% | - |
| Variable | Investment, P&I | - | 80–90% LVR, $1,250,000–$2,000,000 | 8.29% | 8.62% | - |
| Variable | Investment, P&I | - | 80–90% LVR, $750,000–$1,250,000 | 8.29% | 8.62% | - |
| Variable | Owner occupied, Interest only | - | ≤60% LVR, $100,000–$750,000 | 7.49% | 7.64% | - |
| Variable | Owner occupied, Interest only | - | ≤60% LVR, $1,250,000–$3,000,000 | 7.49% | 7.64% | - |
| Variable | Owner occupied, Interest only | - | ≤60% LVR, $750,000–$1,250,000 | 7.49% | 7.64% | - |
| Variable | Owner occupied, Interest only | - | 60–70% LVR, $100,000–$750,000 | 7.49% | 7.64% | - |
| Variable | Owner occupied, Interest only | - | 60–70% LVR, $1,250,000–$3,000,000 | 7.49% | 7.64% | - |
| Variable | Owner occupied, Interest only | - | 60–70% LVR, $750,000–$1,250,000 | 7.49% | 7.64% | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR, $100,000–$750,000 | 7.69% | 7.84% | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR, $1,250,000–$2,500,000 | 7.94% | 8.01% | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR, $750,000–$1,250,000 | 7.69% | 7.84% | - |
| Variable | Owner occupied, P&I | - | ≤60% LVR, $100,000–$750,000 | 7.19% | 7.53% | - |
| Variable | Owner occupied, P&I | - | ≤60% LVR, $1,250,000–$3,000,000 | 7.19% | 7.53% | - |
| Variable | Owner occupied, P&I | - | ≤60% LVR, $750,000–$1,250,000 | 7.19% | 7.53% | - |
| Variable | Owner occupied, P&I | - | 60–70% LVR, $100,000–$750,000 | 7.19% | 7.53% | - |
| Variable | Owner occupied, P&I | - | 60–70% LVR, $1,250,000–$3,000,000 | 7.19% | 7.53% | - |
| Variable | Owner occupied, P&I | - | 60–70% LVR, $750,000–$1,250,000 | 7.19% | 7.53% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR, $100,000–$750,000 | 7.39% | 7.73% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR, $1,250,000–$2,500,000 | 7.49% | 7.83% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR, $750,000–$1,250,000 | 7.39% | 7.73% | - |
| Variable | Owner occupied, P&I | - | 80–90% LVR, $1,250,000–$2,000,000 | 8.09% | 8.42% | - |
| Variable | Owner occupied, P&I | - | 80–90% LVR, $750,000–$1,000,000 | 8.09% | 8.42% | - |
| Variable | Owner occupied, P&I | - | 80–90% LVR, $750,000–$1,250,000 | 8.09% | 8.42% | - |
Rate changes
36 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR, $100,000–$750,000 | 8.14% | 8.39% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR, $1,250,000–$2,000,000 | 8.14% | 8.39% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR, $750,000–$1,250,000 | 8.14% | 8.39% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, ≤60% LVR, $100,000–$750,000 | 7.09% | 7.34% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, ≤60% LVR, $1,250,000–$3,000,000 | 7.09% | 7.34% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, ≤60% LVR, $750,000–$1,250,000 | 7.09% | 7.34% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 60–70% LVR, $100,000–$750,000 | 7.14% | 7.39% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 60–70% LVR, $1,250,000–$3,000,000 | 7.14% | 7.39% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 60–70% LVR, $750,000–$1,250,000 | 7.14% | 7.39% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 70–80% LVR, $100,000–$750,000 | 7.29% | 7.54% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 70–80% LVR, $1,250,000–$2,500,000 | 7.39% | 7.64% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 70–80% LVR, $750,000–$1,250,000 | 7.29% | 7.54% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 80–90% LVR, $100,000–$750,000 | 8.04% | 8.29% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 80–90% LVR, $1,250,000–$2,000,000 | 8.04% | 8.29% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, 80–90% LVR, $750,000–$1,250,000 | 8.04% | 8.29% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, ≤60% LVR, $100,000–$750,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, ≤60% LVR, $1,250,000–$3,000,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, ≤60% LVR, $750,000–$1,250,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 60–70% LVR, $100,000–$750,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 60–70% LVR, $1,250,000–$3,000,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 60–70% LVR, $750,000–$1,250,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 70–80% LVR, $100,000–$750,000 | 7.44% | 7.69% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 70–80% LVR, $1,250,000–$2,500,000 | 7.69% | 7.94% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, 70–80% LVR, $750,000–$1,250,000 | 7.44% | 7.69% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR, $100,000–$750,000 | 6.94% | 7.19% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR, $1,250,000–$3,000,000 | 6.94% | 7.19% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR, $750,000–$1,250,000 | 6.94% | 7.19% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR, $100,000–$750,000 | 6.94% | 7.19% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR, $1,250,000–$3,000,000 | 6.94% | 7.19% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR, $750,000–$1,250,000 | 6.94% | 7.19% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR, $100,000–$750,000 | 7.14% | 7.39% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR, $1,250,000–$2,500,000 | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR, $750,000–$1,250,000 | 7.14% | 7.39% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $1,250,000–$2,000,000 | 7.84% | 8.09% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $750,000–$1,000,000 | 7.84% | 8.09% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR, $750,000–$1,250,000 | 7.84% | 8.09% | up 0.25 |
Each change is logged the night it appears in the rates AFG Home Loans - Retro publishes. See how every lender answered the RBA on the rate tracker.
Fees
4 fees published, grouped by when they're charged.
When you take it out2
- Settlement Fee$375
- Valuation Fee
Full fee charged to customer. The Valuation Fee range is an estimate. Valuation Fee may be less than the Fee Minimum noted or greater than the Fee Maximum noted.
$300 to $700
When particular things happen2
- Annual Service Fee$330
- Trust application Fee
Applicable only to Trust applicant
$300
Features
Offset accountRedrawExtra repaymentsDigital banking
- Self Employed Income Confirmation - Customer financial declaration plus one form of income verification
- Up to 10 years Interest Only
- Maximum four splits are offered
- This loan can be used for the purposes of investment and owner occupied property purchases, refinancing your existing home loan, and personal needs (e.g.home renovations, consolidation of personal de…
- This loan cannot be used for business purposes, bridging loans, or any unlawful purposes.
- Loan variation acceptable
- In addition to any LMI requirements, documentary evidence is required where: Loan to Valuation Ratio (LVR) exceeds 80%; or Cash Out is > $500,000
- Where an applicant shares common debts with their (non-applicant) spouse/defacto and appropriate supporting evidence can be provided, 50% of the joint debt can be used in servicing, and applicant can…
- Loan term Minimum 8 years maximum 30 years
Eligibility and limits
- Minimum age 18
- Residency: Borrowers, mortgagors, and guarantors must reside in Australia and one of the following: Australian Citizen or Australian Permanent Resident. Individuals who hold a Partner/Spousal Resident Visa (e.g., Subclass 309, 820) are permitted, on the basis that a joint application is submitted with one of the above defined eligible borrowers.
- Available to individuals
- Available to businesses
- Maximum LVR 90%
- Applications for home loans are subject to the Bank's normal credit approval.
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Published by AFG Home Loans - Retro under the Consumer Data Right, last changed by them on 8 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.