The Finance Algorithm
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SE Prime XL $2.5 - $3.5M

RedZed's Extra Large Prime Home Loan

Home loansLender updated 14 Oct 2026
Product page ↗Fees and pricing ↗

At a glance

Variable (owner occ. P&I)
7.50%7.90% comparison
Variable (investor P&I)
7.50%
Max LVR
75%
Annual fee
$300
Features
offset, redraw, extra repayments

Rates

Every rate RedZed publishes for this home loan, 15 in all.

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. 1–60%7.50%
  2. 60–65%7.50%
  3. 65–70%7.90%
  4. 70–75%8.25%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
VariableInvestment, Interest only-1–60% LVR7.50%7.90%-
VariableInvestment, Interest only-60–65% LVR7.50%7.90%-
VariableInvestment, Interest only-65–70% LVR7.90%8.33%-
VariableInvestment, Interest only-70–75% LVR8.25%8.74%-
VariableInvestment, P&I-1–60% LVR7.50%7.90%-
VariableInvestment, P&I-60–65% LVR7.50%7.90%-
VariableInvestment, P&I-65–70% LVR7.90%8.33%-
VariableInvestment, P&I-70–75% LVR8.25%8.74%-
VariableOwner occupied, Interest only-1–60% LVR7.50%7.90%-
VariableOwner occupied, Interest only-60–65% LVR7.50%7.90%-
VariableOwner occupied, Interest only-65–70% LVR7.90%8.33%-
VariableOwner occupied, P&I-1–60% LVR7.50%7.90%-
VariableOwner occupied, P&I-60–65% LVR7.50%7.90%-
VariableOwner occupied, P&I-65–70% LVR7.90%8.33%-
VariableOwner occupied, P&I-70–75% LVR8.25%8.74%-

Rate changes

15 changes logged, newest first.

DateRateWasNowChange
15 Oct 2026Variable, Investment, Interest only, 1–60% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Investment, Interest only, 60–65% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Investment, Interest only, 65–70% LVR8.29%7.90%down 0.39
15 Oct 2026Variable, Investment, Interest only, 70–75% LVR8.39%8.25%down 0.14
15 Oct 2026Variable, Investment, P&I, 1–60% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Investment, P&I, 60–65% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Investment, P&I, 65–70% LVR8.29%7.90%down 0.39
15 Oct 2026Variable, Investment, P&I, 70–75% LVR8.39%8.25%down 0.14
15 Oct 2026Variable, Owner occupied, Interest only, 1–60% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Owner occupied, Interest only, 60–65% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Owner occupied, Interest only, 65–70% LVR8.29%7.90%down 0.39
15 Oct 2026Variable, Owner occupied, P&I, 1–60% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Owner occupied, P&I, 60–65% LVR7.90%7.50%down 0.40
15 Oct 2026Variable, Owner occupied, P&I, 65–70% LVR8.29%7.90%down 0.39
15 Oct 2026Variable, Owner occupied, P&I, 70–75% LVR8.39%8.25%down 0.14

Each change is logged the night it appears in the rates RedZed publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

  1. When you take it out0.50% of balanceRisk Fee
  2. While you hold it$25 a monthAccount Management Fee
  3. When you close it or pay it offNo fee published

When you take it out1

  • Risk Fee

    A risk fee from 0.50% of the loan amount applies. This increases to 0.75% from LVR 65%</=70% and increasing again to 1.25% from LVR>70%</=75% LVR. Check rate card for more information.

    0.50% of balance

While you hold it1

  • Account Management Fee
    $25 a month

When particular things happen5

  • Establishment Fee
    $399
  • Legal and Administration Fee
    $500
  • Security Appraisal Fee
    $380 to $2,000
  • Settlement Fee
    $500
  • Split Loan Fee
    $350

Other fees2

  • Guarantor Fee

    Only applies if application has a guarantee

    $250
  • Trust Fee

    Applied per trust

    $250

Features

Offset accountRedrawExtra repaymentsDigital banking

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Resident
  • Available to individuals
  • Available to businesses
  • Amount $2,500,000 to $3,500,000
  • Maximum LVR 75%

Published by RedZed 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.