At a glance
- Variable (owner occ. P&I)
- 6.60%7.09% comparison
- Annual fee
- $395
- 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 | 6.60% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 76th lowest of 104 |
Rates
Every rate Dnister Bank publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Introductory2 years introductory, loans over $200,000. | Owner occupied, P&I | 2 yrs intro | - | 6.24% | 6.91% | - |
| Variable | Owner occupied, P&I | - | - | 6.60% | 7.09% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Introductory, Owner occupied, P&I, 2 yrs intro | 5.99% | 6.24% | up 0.25 |
| 8 Oct 2026 | Variable, Owner occupied, P&I | 6.45% | 6.60% | 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
13 fees published, grouped by when they're charged.
- When you take it outUp to $2508 fees, each listed below
- While you hold it$395 a yearAnnual Fee Intro Var HL Pkg
- When you close it or pay it offNo fee published
When you take it out8
- ASIC Lodgement$50
- Bank Cheque$15
- Bank Production$150
- Company Search$50
- Discharge of Mortgage$200
- Loan Establishment Fee$250
- Title Search$49.50
- Withdrawal of Caveat$100
While you hold it1
- Annual Fee Intro Var HL Pkg
The discount is only available during an introductory period
$395 a year
When you make a transaction3
- Redraw FeeNo fee
- Redraw Fee$10
- Redraw Fee$25
When particular things happen1
- Split Fee$300
Features
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Amount from $200,000, no maximum
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Published by Dnister under the Consumer Data Right, last changed by them on 8 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.