Bluebay Home LoansStandard Easy Refinance
Standard Easy Refinance
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)
- 7.69%
- Variable (investor P&I)
- 7.89%
- Max LVR
- 80%
- 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.79% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 101st lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.99% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 101st lowest of 104 |
Rates
Every rate Bluebay Home Loans publishes for this home loan, 16 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%7.69%
- 70–80%7.79%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 8.09% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 10.19% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 8.19% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 10.29% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 7.89% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 9.99% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 7.99% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 10.09% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Owner occupied, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 7.89% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Owner occupied, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 9.99% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Owner occupied, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 7.99% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Owner occupied, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 10.09% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Owner occupied, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 7.69% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Owner occupied, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 9.79% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Owner occupied, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 7.79% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Owner occupied, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 9.89% | - | - |
Fees
2 fees published, grouped by when they're charged.
- When you take it outNo fee published
- While you hold it$379 a yearLender's Annual Facility Fee
- When you close it or pay it off$795Discharge Administration Fee
While you hold it1
- Lender's Annual Facility Fee$379 a year
When you close it or pay it off1
- Discharge Administration Fee$795
Features
Offset accountRedrawExtra repaymentsDigital banking
- Split Loan
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen or a Permanent Resident of Australia
- Available to individuals
- Available to businesses
- 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.
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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.