Homepay Standard

Also sold at the same rates and fees as Crown Money Management, Hejaz Islamic Home Finance, Mortgage Mart, OwnHome, Riyadh Financial Services, WLTH and Zank Financial.

Home loansLender updated 5 Nov 2026

At a glance

Variable (owner occ. P&I): 6.69%
Variable (investor P&I): 6.89%
Max LVR: 92%
Annual fee: $379
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.

Typical 6.38%

6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 6.79%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	6.79%	5.93%SCCU's BROKER HOME LOAN	6.38%of 104 institutions	85th lowest of 104, level with 2 others
Investor variable home loanInvestment, principal & interest, 80% LVR	6.99%	5.94%AAA Financial Corporation's Portfolio Loan	6.59%of 104 institutions	81st lowest of 104, level with 2 others

Rates

Every rate Bluebay Home Loans publishes for this home loan, 14 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

≤70%6.69%
70–80%6.79%
80–90%6.89%
90–92%6.99%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	Investment, Interest only	-	≤70% LVR, $50,000–$3,000,000	7.09%	-	-
Variable	Investment, Interest only	-	70–80% LVR, $50,000–$3,000,000	7.19%	-	-
Variable	Investment, Interest only	-	80–90% LVR, $50,000–$3,000,000	7.29%	-	-
Variable	Investment, P&I	-	≤70% LVR, $50,000+	6.89%	-	-
Variable	Investment, P&I	-	70–80% LVR, $50,000–$3,000,000	6.99%	-	-
Variable	Investment, P&I	-	80–90% LVR, $50,000–$3,000,000	7.09%	-	-
Variable	Owner occupied, Interest only	-	≤70% LVR, $50,000+	6.89%	-	-
Variable	Owner occupied, Interest only	-	70–80% LVR, $50,000–$3,000,000	6.99%	-	-
Variable	Owner occupied, Interest only	-	80–90% LVR, $50,000–$3,000,000	7.09%	-	-
Variable	Owner occupied, Interest only	-	90–92% LVR, $50,000–$3,000,000	7.19%	-	-
Variable	Owner occupied, P&I	-	≤70% LVR, $50,000–$3,000,000	6.69%	-	-
Variable	Owner occupied, P&I	-	70–80% LVR, $50,000–$3,000,000	6.79%	-	-
Variable	Owner occupied, P&I	-	80–90% LVR, $50,000–$3,000,000	6.89%	-	-
Variable	Owner occupied, P&I	-	90–92% LVR, $50,000–$3,000,000	6.99%	-	-

Fees

37 fees published, grouped by when they're charged.

When you take it outUp to $99033 fees, each listed below
While you hold it$379 a yearLender's Annual Facility Fee
When you close it or pay it off$795Discharge Administration Fee

When you take it out33

Homepay Standard - Risk Fee
This fee loading applies only to Standard loans with an LVR between 80% and 92%.
0.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties.
5.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 91% to 92% for Investment properties
4.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
4.75% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 93% to 94% for Investment properties
5.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 90% to 91% for Investment properties
4.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 86% to 87% for Investment properties
2.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 87% to 88% for Investment properties
2.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 88% to 89% for Investment properties
3.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 85% to 86% for Investment properties
2.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 84% to 85% for Investment properties
2.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 82% to 83% for Investment properties
1.75% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
1.75% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 83% to 84% for Investment properties
2.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 80% to 81% for Owner Occupied properties.
1.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
2.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
2.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
2.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
2.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
3.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
2.75% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 92% to 93% for Investment properties
4.75% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
1.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
4.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 80% to 81% for Investment properties
1.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
4.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
4.00% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 89% to 90% for Investment properties
3.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 94% to 95% for Investment properties
5.25% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 81% to 82% for Investment properties
1.50% of balance
Lenders Protection Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.25% of balance
Progress Payment Inspection Fee
$990
Upfront Construction Review Fee
$750

While you hold it1

Lender's Annual Facility Fee
$379 a year

When you close it or pay it off1

Discharge Administration Fee
$795

Other fees2

Third Party Costs
At cost
Varies
Valuation Fee
At Cost
Varies

Features

Offset accountRedrawExtra repaymentsDigital banking

LMI Available
Split Loan

Eligibility and limits

Minimum age 18
Residency: Australian Citizen or a Permanent Resident of Australia
Available to individuals
Minimum balance $50,000
Meets our lending eligibility criteria
provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.
Have a build contract with a HomePay accredited builder;

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Published by Bluebay Home Loans under the Consumer Data Right, last changed by them on 5 Nov 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.