At a glance
- Variable (owner occ. P&I)
- 6.39%6.55% comparison
- Max LVR
- 95%
- Annual fee
- $96
- 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 | 6.49% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 66th lowest of 104, level with 2 others |
Rates
Every rate Coastline publishes for this home loan, 3 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%6.39%
- 60–80%6.49%
- >80.01%6.94%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableVARIABLE RATE WITH LVR <= 60% | Owner occupied, P&I | - | ≤60% LVR | 6.39% | 6.55% | Existing cust; Min deposits; New accounts; New customer |
| VariableVARIABLE RATE WITH LVR > 60% TO <= 80% | Owner occupied, P&I | - | 60–80% LVR | 6.49% | 6.65% | Existing cust; Min deposits; New accounts; New customer |
| VariableVARIABLE RATE WITH LVR > 80% | Owner occupied, P&I | - | >80.01% LVR | 6.94% | 7.10% | Existing cust; Min deposits; New accounts; New customer |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 16 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR | 6.14% | 6.39% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, P&I, 60–80% LVR | 6.24% | 6.49% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, P&I, >80.01% LVR | 6.69% | 6.94% | up 0.25 |
Each change is logged the night it appears in the rates Coastline Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
16 fees published, grouped by when they're charged.
- When you take it outUp to $5956 fees, each listed below
- While you hold it$8 a monthLoan Administration Fee
- When you close it or pay it offNo fee published
When you take it out6
- Loan Estab Fee - Owner Builder$595
- Loan Establishment Fee$595
- Progress Draw Fee-Construction$95
- Property Search Fee$30
- Real Time Transfer/NPP Fee$20
- Scheduling Fee - Owner Builder$550
While you hold it1
- Loan Administration Fee$8 a month
When you make a transaction4
- CU Solicitor Mtg Discharge Fee$380
- Loan Redraw FeeNo fee
- Loan Redraw Fee$20
- Mortgage Discharge Fee$250
When particular things happen5
- Arrears Reminder Fee$5
- Final Notice of Demand$40
- Loan Renegotiation Fee$150
- Loan Switching Fee$200
- Manual Arrears Transfer Fee$5
Features
Eligibility and limits
- Minimum age 18
- Residency: Australia
- Available to individuals
- Maximum LVR 95%
Compare it with others
Put this product through a calculator
Published by Coastline Bank under the Consumer Data Right, last changed by them on 15 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.