At a glance
- Variable (owner occ. P&I)
- 7.07%7.44% comparison
- Variable (investor P&I)
- 7.27%
- Max LVR
- 80%
- Annual fee
- $300
- 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 | 7.32% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 96th lowest of 102, level with one other |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.42% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 93rd lowest of 102, level with one other |
Rates
Every rate RedZed publishes for this home loan, 18 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
- 1–60%7.07%
- 60–65%7.07%
- 65–70%7.07%
- 70–75%7.32%
- 75–80%7.32%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | 1–60% LVR | 7.37% | 7.74% | - |
| Variable | Investment, Interest only | - | 60–65% LVR | 7.37% | 7.74% | - |
| Variable | Investment, Interest only | - | 65–70% LVR | 7.37% | 7.74% | - |
| Variable | Investment, Interest only | - | 70–75% LVR | 7.52% | 7.89% | - |
| Variable | Investment, Interest only | - | 75–80% LVR | 7.52% | 7.89% | - |
| Variable | Investment, P&I | - | 1–60% LVR | 7.27% | 7.64% | - |
| Variable | Investment, P&I | - | 60–65% LVR | 7.27% | 7.64% | - |
| Variable | Investment, P&I | - | 65–70% LVR | 7.27% | 7.64% | - |
| Variable | Investment, P&I | - | 70–75% LVR | 7.42% | 7.79% | - |
| Variable | Investment, P&I | - | 75–80% LVR | 7.42% | 7.79% | - |
| Variable | Owner occupied, Interest only | - | 1–60% LVR | 7.17% | 7.54% | - |
| Variable | Owner occupied, Interest only | - | 60–65% LVR | 7.17% | 7.44% | - |
| Variable | Owner occupied, Interest only | - | 65–70% LVR | 7.17% | 7.54% | - |
| Variable | Owner occupied, P&I | - | 1–60% LVR | 7.07% | 7.44% | - |
| Variable | Owner occupied, P&I | - | 60–65% LVR | 7.07% | 7.44% | - |
| Variable | Owner occupied, P&I | - | 65–70% LVR | 7.07% | 7.44% | - |
| Variable | Owner occupied, P&I | - | 70–75% LVR | 7.32% | 7.69% | - |
| Variable | Owner occupied, P&I | - | 75–80% LVR | 7.32% | 7.69% | - |
Rate changes
18 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, Investment, Interest only, 1–60% LVR | 7.07% | 7.37% | up 0.30 |
| 15 Oct 2026 | Variable, Investment, Interest only, 60–65% LVR | 7.07% | 7.37% | up 0.30 |
| 15 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR | 7.17% | 7.37% | up 0.20 |
| 15 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR | 7.22% | 7.52% | up 0.30 |
| 15 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR | 7.32% | 7.52% | up 0.20 |
| 15 Oct 2026 | Variable, Investment, P&I, 1–60% LVR | 7.07% | 7.27% | up 0.20 |
| 15 Oct 2026 | Variable, Investment, P&I, 60–65% LVR | 7.07% | 7.27% | up 0.20 |
| 15 Oct 2026 | Variable, Investment, P&I, 65–70% LVR | 7.17% | 7.27% | up 0.10 |
| 15 Oct 2026 | Variable, Investment, P&I, 70–75% LVR | 7.22% | 7.42% | up 0.20 |
| 15 Oct 2026 | Variable, Investment, P&I, 75–80% LVR | 7.32% | 7.42% | up 0.10 |
| 15 Oct 2026 | Variable, Owner occupied, Interest only, 1–60% LVR | 6.87% | 7.17% | up 0.30 |
| 15 Oct 2026 | Variable, Owner occupied, Interest only, 60–65% LVR | 6.87% | 7.17% | up 0.30 |
| 15 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR | 6.97% | 7.17% | up 0.20 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 1–60% LVR | 6.87% | 7.07% | up 0.20 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 60–65% LVR | 6.87% | 7.07% | up 0.20 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR | 6.97% | 7.07% | up 0.10 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 70–75% LVR | 7.02% | 7.32% | up 0.30 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 75–80% LVR | 7.12% | 7.32% | up 0.20 |
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
8 fees published, grouped by when they're charged.
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
Payable for additional or non-standard securities
$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
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Available to individuals
- Available to businesses
- Amount $100,000 to $2,500,000
- Maximum LVR 80%
Compare it with others
Put this product through a calculator
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.