At a glance
- Variable (owner occ. P&I)
- 6.29%
- Variable (investor P&I)
- 6.44%
- Fixed
- 1 yr 6.69%, 2 yrs 6.69%, 3 yrs 6.64%, 5 yrs 6.84%
- Max LVR
- 95%
- 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 | 6.29% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 31st lowest of 104, level with 6 others |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 45th lowest of 82, level with 3 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 44th lowest of 84, level with one other |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 32nd lowest of 80, level with 3 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 30th lowest of 63, level with one other |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.44% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 16th lowest of 104, level with 8 others |
Rates
Every rate MOVE Bank publishes for this home loan, 22 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.29%
- 1 yr fixedtypical 6.59%6.69%
- 2 yrs fixedtypical 6.62%6.69%
- 3 yrs fixedtypical 6.69%6.64%
- 5 yrs fixedtypical 6.89%6.84%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 year fixed rate term. | Investment, Interest only | 1 yr fixed | - | 7.04% | - | - |
| Fixed2 year fixed rate term. | Investment, Interest only | 2 yrs fixed | - | 7.04% | - | - |
| Fixed3 year fixed rate term. | Investment, Interest only | 3 yrs fixed | - | 6.99% | - | - |
| Fixed5 year fixed rate term. | Investment, Interest only | 5 yrs fixed | - | 7.19% | - | - |
| Fixed1 year fixed rate term. | Investment, P&I | 1 yr fixed | - | 6.84% | - | - |
| Fixed2 year fixed rate term. | Investment, P&I | 2 yrs fixed | - | 6.84% | - | - |
| Fixed3 year fixed rate term. | Investment, P&I | 3 yrs fixed | - | 6.79% | - | - |
| Fixed5 year fixed rate term. | Investment, P&I | 5 yrs fixed | - | 6.99% | - | - |
| Fixed1 year fixed rate term. | Owner occupied, P&I | 1 yr fixed | - | 6.69% | - | - |
| Fixed2 year fixed rate term. | Owner occupied, P&I | 2 yrs fixed | - | 6.69% | - | - |
| Fixed3 year fixed rate term. | Owner occupied, P&I | 3 yrs fixed | - | 6.64% | - | - |
| Fixed5 year fixed rate term. | Owner occupied, P&I | 5 yrs fixed | - | 6.84% | - | - |
| Variable | Investment, Interest only | - | - | 6.64% | - | Rate applicable for LVR up to 80%. Higher rates applicable for higher LVR loans |
| Variable | Investment, Interest only | - | - | 6.79% | - | Rate applicable for LVR between 80.01% - 90%. Others rates applicable for different LVR loans |
| Variable | Investment, P&I | - | - | 6.44% | - | Rate applicable for LVR up to 80%. Higher rates applicable for higher LVR loans |
| Variable | Investment, P&I | - | - | 6.59% | - | Rate applicable for LVR between 80.01% - 90%. Others rates applicable for different LVR loans |
| Variable | Owner occupied, Interest only | - | - | 6.29% | - | Rate applicable for LVR up to 80%. Higher rates applicable for higher LVR loans |
| Variable | Owner occupied, Interest only | - | - | 6.49% | - | - |
| Variable | Owner occupied, Interest only | - | - | 6.59% | - | - |
| Variable | Owner occupied, P&I | - | - | 6.29% | - | - |
| Variable | Owner occupied, P&I | - | - | 6.49% | - | - |
| Variable | Owner occupied, P&I | - | - | 6.59% | - | - |
Rate changes
12 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed | 6.84% | 7.04% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed | 6.84% | 7.04% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed | 6.79% | 6.99% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed | 6.99% | 7.19% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed | 6.64% | 6.84% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed | 6.64% | 6.84% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed | 6.59% | 6.79% | up 0.20 |
| 15 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed | 6.79% | 6.99% | up 0.20 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.49% | 6.69% | up 0.20 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.49% | 6.69% | up 0.20 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.44% | 6.64% | up 0.20 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 6.64% | 6.84% | up 0.20 |
Each change is logged the night it appears in the rates MoveBank publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When particular things happen1
- Default Notice Fee$50
Features
Offset accountRedrawExtra repayments
Eligibility and limits
- Minimum age 18
- Amount $50,000 to $4,000,000
- Maximum LVR 95%
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Published by MoveBank under the Consumer Data Right, last changed by them on 14 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.