Bank of us
Flexidiscount Home Loan
If you want a home loan with great pricing and flexibility, but without the need for an offset account, then our FlexiDiscount Home Loan with the option of either a very competitive variable or fixed
Home loansBank updated 3 Sept 2026
At a glance
- Max LVR
- 90%
- Features
- redraw, extra repayments
§ 01 — Rates · 30
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤60% LVR | 6.54% | 6.12% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | 60–70% LVR | 6.54% | 6.12% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | 70–80% LVR | 6.59% | 6.17% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | 80–90% LVR | 6.74% | 6.47% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | >90.01% LVR | 6.84% | 7.13% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤60% LVR | 6.54% | 6.16% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | 60–70% LVR | 6.54% | 6.16% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | 70–80% LVR | 6.59% | 6.21% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | 80–90% LVR | 6.74% | 6.50% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | >90.01% LVR | 6.84% | 7.11% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤60% LVR | 6.59% | 6.22% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | 60–70% LVR | 6.59% | 6.22% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | 70–80% LVR | 6.64% | 6.27% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | 80–90% LVR | 6.89% | 6.58% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | >90.01% LVR | 6.99% | 7.13% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤60% LVR | 6.69% | 6.30% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | 60–70% LVR | 6.69% | 6.30% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | 70–80% LVR | 6.74% | 6.35% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | 80–90% LVR | 6.89% | 6.62% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | >90.01% LVR | 6.99% | 7.12% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤60% LVR | 6.89% | 6.44% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | 60–70% LVR | 6.89% | 6.44% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | 70–80% LVR | 6.94% | 6.49% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | 80–90% LVR | 7.09% | 6.75% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | >90.01% LVR | 7.19% | 7.21% | — |
| Variable | Owner occupied · Interest only | — | ≤60% LVR | 6.04% | 6.06% | — |
| Variable | Owner occupied · Interest only | — | 60–70% LVR | 6.04% | 6.06% | — |
| Variable | Owner occupied · Interest only | — | 70–80% LVR | 6.09% | 6.11% | — |
| Variable | Owner occupied · Interest only | — | 80–90% LVR | 6.39% | 6.43% | — |
| Variable | Owner occupied · Interest only | — | >90.01% LVR | 7.09% | 7.16% | — |
§ 02 — Fees · 16
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ARREARS_FEE | Event | $40 | — | Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day. |
| 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. |
| INSURANCE_COLLECTION_FEE | Event | $40 | — | Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf. |
| 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). |
| BREAK_COST_FEE | Exit | $1 to $50,000 | — | Potentially payable if a fixed rate loan is repaid in full during a fixed rate period. |
| PROGRESS_INSPECTION_FEES | Upfront per plan | $109.09 to $1,090.90 | — | Payable if we carry out a progress inspection of any security property. Normally only applicable for construction loans with the amount determined at the time of each inspection. |
| LENDER'S_MORTGAGE_INSURANCE_PREMIUM | Upfront | $117.63 to $126,397.73 | — | Lenders mortgage insurance is generally required for loans where the loan-to-valuation ratio (LVR) is above 80%. The premium payable by you is the amount charged by the lenders mortgage insurer to pr… |
| 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 paymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- · Available to individuals
- · Minimum balance $20,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank of us under the Consumer Data Right, last changed by them on 3 Sept 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.