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Non-Res RBA Tracker

Non-Res RBA Tracker

OwnHome publishes this at the same rates and fees as Bluebay Home Loans's Non-Res RBA Tracker, under the same ABN.

Home loansLender updated 5 Nov 2026

At a glance

Variable (investor P&I)
7.73%
Max LVR
85%
Annual fee
$499
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.

This home loan: 7.73%Every other institution's lowest, 103 in all

Investment, principal & interest, 80% LVR. One dot per institution, at its lowest investor variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
Investor variable home loanInvestment, principal & interest, 80% LVR7.73%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions100th lowest of 104

Rates

Every rate OwnHome publishes for this home loan, 4 in all.

TypeApplies toTermBandRateComparisonConditions
VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application.Investment, Interest only-≤85% LVR, $50,000–$3,000,0008.13%--
VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application.Investment, Interest only-≤85% LVR, $50,000–$3,000,0008.33%--
VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application.Investment, P&I-≤85% LVR, $50,000–$3,000,0007.73%--
VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application.Investment, P&I-≤85% LVR, $50,000–$3,000,0007.93%--

Fees

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

  1. When you take it outUp to $1,50027 fees, each listed below
  2. While you hold it$499 a yearLender's Annual Facility Fee
  3. When you close it or pay it off$1,500Discharge Administration Fee

When you take it out27

  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 87% to 88% - Construction Property

    3.50% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 88% to 89% - Construction Property

    3.75% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 70% to 75% - Construction Property

    1.25% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR below 70% - Construction Property

    1.00% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 75% to 80% - Construction Property

    1.50% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 80% to 81% - Construction Property

    1.75% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 81% to 82% - Construction Property

    2.00% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 82% to 83% - Construction Property

    2.25% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 83% to 84% - Construction Property

    2.50% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 84% to 85 - Construction Property

    2.75% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 85% to 86% - Construction Property

    3.00% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 86% to 87% - Construction Property

    3.25% of balance
  • Construction Risk Fee (CRF)

    This fee is applicable to loans with an LVR from 89% to 90% - Construction Property

    4.00% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 82% to 83% - Established Property

    1.75% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 75% to 80% - Established Property

    1.00% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 70% to 75% - Established Property

    0.75% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 80% to 81% - Established Property

    1.25% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 87% to 88% - Established Property

    3.00% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 84% to 85% - Established Property

    2.25% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 83% to 84% - Established Property

    2.00% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 81% to 82% - Established Property

    1.50% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 89% to 90% - Established Property

    3.50% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 88% to 89% - Established Property

    3.25% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 86% to 87% - Established Property

    2.75% of balance
  • Lender Protection Fee (LPF)

    This fee is applicable to loans with an LVR from 85% to 86% - Established Property

    2.50% of balance
  • Settlement Fee
    $550
  • Upfront Construction Review Fee
    $1,500

While you hold it1

  • Lender's Annual Facility Fee
    $499 a year

When particular things happen1

  • Fixed Rate Lock Fee
    $495

When you close it or pay it off1

  • Discharge Administration Fee
    $1,500

Features

Offset accountRedrawExtra repaymentsDigital banking
  • Split Loan
  • LMI Available

Eligibility and limits

  • Minimum age 18
  • Residency: Is either: 1) an Australian Citizen or a permanent resident that does not reside in Australia; 2) Borrower is approved from foreign investment review board (FIRB); 3) Borrower is on foreign income as salary and wage earners (employees) or self-employed to cover Australian Debt Obligations; and 4) the residential address of the borrower is limited to our "Acceptable Countries" list in accordance with our lending policy.
  • Available to individuals
  • Available to businesses
  • Minimum balance $50,000
  • Meets our lending eligibility criteria
  • provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.

Published by OwnHome under the Consumer Data Right, last changed by them on 5 Nov 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.