Homepay Standard
Homepay Standard
WLTH publishes this at the same rates and fees as Bluebay Home Loans's Homepay Standard, under the same ABN.
At a glance
- Variable (owner occ. P&I)
- 6.69%
- Variable (investor P&I)
- 6.89%
- Max LVR
- 92%
- Annual fee
- $379
- 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 | 6.79% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 85th lowest of 104, level with 2 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.99% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 81st lowest of 104, level with 2 others |
Rates
Every rate WLTH publishes for this home loan, 14 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
- ≤70%6.69%
- 70–80%6.79%
- 80–90%6.89%
- 90–92%6.99%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤70% LVR, $50,000–$3,000,000 | 7.09% | - | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $50,000–$3,000,000 | 7.19% | - | - |
| Variable | Investment, Interest only | - | 80–90% LVR, $50,000–$3,000,000 | 7.29% | - | - |
| Variable | Investment, P&I | - | ≤70% LVR, $50,000+ | 6.89% | - | - |
| Variable | Investment, P&I | - | 70–80% LVR, $50,000–$3,000,000 | 6.99% | - | - |
| Variable | Investment, P&I | - | 80–90% LVR, $50,000–$3,000,000 | 7.09% | - | - |
| Variable | Owner occupied, Interest only | - | ≤70% LVR, $50,000+ | 6.89% | - | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR, $50,000–$3,000,000 | 6.99% | - | - |
| Variable | Owner occupied, Interest only | - | 80–90% LVR, $50,000–$3,000,000 | 7.09% | - | - |
| Variable | Owner occupied, Interest only | - | 90–92% LVR, $50,000–$3,000,000 | 7.19% | - | - |
| Variable | Owner occupied, P&I | - | ≤70% LVR, $50,000–$3,000,000 | 6.69% | - | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR, $50,000–$3,000,000 | 6.79% | - | - |
| Variable | Owner occupied, P&I | - | 80–90% LVR, $50,000–$3,000,000 | 6.89% | - | - |
| Variable | Owner occupied, P&I | - | 90–92% LVR, $50,000–$3,000,000 | 6.99% | - | - |
Fees
37 fees published, grouped by when they're charged.
- When you take it outUp to $99033 fees, each listed below
- While you hold it$379 a yearLender's Annual Facility Fee
- When you close it or pay it off$795Discharge Administration Fee
When you take it out33
- Homepay Standard - Risk Fee
This fee loading applies only to Standard loans with an LVR between 80% and 92%.
0.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties.
5.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 91% to 92% for Investment properties
4.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
4.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 93% to 94% for Investment properties
5.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 90% to 91% for Investment properties
4.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 86% to 87% for Investment properties
2.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 87% to 88% for Investment properties
2.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 88% to 89% for Investment properties
3.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 85% to 86% for Investment properties
2.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 84% to 85% for Investment properties
2.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 82% to 83% for Investment properties
1.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
1.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 83% to 84% for Investment properties
2.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 80% to 81% for Owner Occupied properties.
1.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
2.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
2.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
2.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
2.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
3.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
2.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 92% to 93% for Investment properties
4.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
1.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
4.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 80% to 81% for Investment properties
1.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
4.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
4.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 89% to 90% for Investment properties
3.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 94% to 95% for Investment properties
5.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 81% to 82% for Investment properties
1.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.25% of balance - Progress Payment Inspection Fee$990
- Upfront Construction Review Fee$750
While you hold it1
- Lender's Annual Facility Fee$379 a year
When you close it or pay it off1
- Discharge Administration Fee$795
Other fees2
- Third Party Costs
At cost
Varies - Valuation Fee
At Cost
Varies
Features
- LMI Available
- Split Loan
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen or a Permanent Resident of Australia
- Available to individuals
- 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.
- Have a build contract with a HomePay accredited builder;
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Published by WLTH 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.