Horizon BankHome Sweet Home Loan - Interest Only
A variable interest only home loan available as a short term facility for purposes such as the construction of your home or for bridging finance.
At a glance
- Max LVR
- 95%
- Annual fee
- $150
- Features
- offset, redraw, extra repayments
Rates
Every rate Horizon Bank publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableFor Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This compa… | Owner occupied, Interest only | - | ≤70% LVR | 6.94% | 7.17% | - |
| VariableFor Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This compa… | Owner occupied, Interest only | - | 70–90% LVR | 7.09% | 7.32% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Owner occupied, Interest only, ≤70% LVR | 6.69% | 6.94% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, Interest only, 70–90% LVR | 6.84% | 7.09% | up 0.25 |
Each change is logged the night it appears in the rates Horizon Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
- When you take it out$350350_ESTABLISHMENT_FEE
- While you hold itUp to $1502 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- 350_ESTABLISHMENT_FEE$350
While you hold it2
- 150_ANNUAL_FEE$150 a year
- 150_OFFSET_FEE
Only payable if OFFSET feature enabled
$150 a year
When you make a transaction2
- LEGAL_AND_VALUATION_FEES
Third party costs including solicitors, valuers, agent fees & government charges including stamp duty, registration and any other fees we incur as applicable.
No fee - OTHER_FEES_AND_CHARGES_MAY_APPLY
A full list of fees and charges will be provided if loan is approved. Visit: https://horizonbank.com.au/more/important-info/fees-and-charges/
No fee
Features
Eligibility and limits
- Available to individuals
- Maximum LVR 95%
- Minimum balance $50,000
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Published by Horizon Bank under the Consumer Data Right, last changed by them on 12 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.