The Finance Algorithm
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Non-Conforming Home Loan

We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for eligible variable interest rate loans to add 100% interest offset sub-account(s) and VISA debit card+ access (monthly fees apply).

Home loansRates on applicationLender updated 3 Sept 2026

At a glance

Pricing
Rates on application
Annual fee
$180
Features
offset, redraw, extra repayments

Fees

9 fees published, grouped by when they're charged.

  1. When you take it outUp to $9957 fees, each listed below
  2. While you hold it$15 a monthNon-Conforming Admin Fee
  3. When you close it or pay it off$500Discharge Fee

When you take it out7

  • Fixed Rate Lock Fee

    Applies to fixed rates only if Rate Lock option is requested.

    0.15% of balance
  • Legal Disbursements

    Third-party legal costs such as searches and registrations, charged at cost.

    Varies
  • Legal Fee

    Covers standard legal costs incurred at loan establishment.

    $330
  • Non-Conforming Establishment Fee

    Charged once at loan establishment for non-conforming residential mortgage applications.

    $995
  • Risk Fee

    Risk Fee may be payable depending on loan amount and LVR.

    Varies
  • Title Protection Fee

    Applicable where title protection is requested or required. Applicable only to Specialist and Specialist Plus product options.

    $400
  • Valuation Fee

    One standard valuation included.

    Varies

While you hold it1

  • Non-Conforming Admin Fee

    Charged monthly per account split for ongoing administration of the loan.

    $15 a month

When you close it or pay it off1

  • Discharge Fee

    Charged per plan when the loan is fully discharged.

    $500

Features

Offset accountRedrawExtra repaymentsDigital banking
  • Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only).
  • Repayment option - choose between variable and interest only (max 5 years) repayments.

Eligibility and limits

  • Minimum age 18
  • Residency: Only available to Australian Citizens or Permanent Residents.
  • Available to individuals
  • Available to businesses
  • Amount from $50,000, no maximum
  • All applications are subject to credit assessment and eligibility criteria.

Published by Lifestyle Home Loans under the Consumer Data Right, last changed by them on 3 Sept 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.