At a glance
- Variable (owner occ. P&I)
- 6.70%6.79% comparison
- Variable (investor P&I)
- 6.90%
- 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 | 6.70% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 81st lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.90% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 80th lowest of 104 |
Rates
Every rate Dnister Bank publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInvestor rate loan | Investment, P&I | - | - | 6.90% | 6.99% | - |
| VariableOwner occupier loan | Owner occupied, P&I | - | - | 6.70% | 6.79% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Variable, Investment, P&I | 6.80% | 6.90% | up 0.10 |
| 8 Oct 2026 | Variable, Owner occupied, P&I | 6.55% | 6.70% | up 0.15 |
Each change is logged the night it appears in the rates Dnister publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
When you take it out8
- ASIC Lodgement$50
- Bank Cheque$15
- Bank Production$150
- Company Search$50
- Discharge of Mortgage$200
- Loan Establishment Fee$500
- Title Search$49.50
- Withdrawal of Caveat$100
When you make a transaction3
- Redraw FeeNo fee
- Redraw Fee$10
- Redraw Fee$25
Features
Offset accountRedrawExtra repaymentsInstant paymentsDigital banking
- Weekly, fortnightly or monthly repayments options.
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Amount from $200,000, no maximum
Compare it with others
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Published by Dnister under the Consumer Data Right, last changed by them on 7 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.