Bank of us
LINE OF CREDIT
FlexiLine is a line of credit facility (loan) secured by a residential mortage that provides great flexibility.
Home loansBank updated 21 May 2026
At a glance
- Max LVR
- 80%
- Annual fee
- $120
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied · Interest only | — | — | 8.86% | 8.99% | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12 | — | Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour. |
| DISCHARGE_FEE | Event | $395 | — | Payable when we agree to discharge any security. |
| DUPLICATE_STATEMENT_FEE | Event | $5 | — | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
| EVIDENCE_RETRIEVAL_FEE | Event | $20 | — | Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that t… |
| FURTHER_APPLICATION_FEE | Event | $300 | — | Payable when you ask us to increase the amount of credit. |
| OVERLIMIT_FEE | Event | $20 | — | Payable on any day that your loan account balance exceeds your amount of credit (maximum credit limit) at the close of business. This fee will be debited to your loan account on that same business da… |
| SPECIAL_ATTENDANCE_FEE | Event | $300 | — | per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charge… |
| VARIATION_FEE | Event | $300 | — | Payable when we agree to any request by you to vary the terms of your credit contract (including varying your interest rate or switching product types). |
| MONTHLY_SERVICE_FEE | Periodic | $10 | Every 1 mo | Payable on the same day, and in the same manner, as any repayment on your loan. This fee will be debited to your loan account on the last day of each month. |
| LOAN_DOCUMENTATION_COSTS | Upfront | $325 | — | Additional costs may apply including, but limited to, situations where there is more than one residential security property in differing ownership or States, or where guarantees/trusts/companies enti… Loan Documentation Costs |
| SECURITY_REVIEW_FEE | Upfront | $275 | — | Being the amount of costs and disbursements we have to pay a valuer for a valuation of any security. Fee may be waived for owner-occupied and residential investment lending where the loan-to-valuatio… Security Review Fee |
| SETTLEMENT_FEE | Upfront | $350 | — | — |
| TITLE_SEARCH_FEE | Upfront | $38.20 to $191 | — | Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost. |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsPayID
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $20,000 to $2,500,000
- · Maximum LVR 80%
§ 06 — Run the numbers
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Published by Bank of us under the Consumer Data Right, last changed by them on 21 May 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.