At a glance
- Variable (owner occ. P&I)
- 6.33%6.69% comparison
- Variable (investor P&I)
- 6.53%
- Fixed
- 1 yr 7.63%, 2 yrs 7.63%, 3 yrs 7.63%, 4 yrs 7.63%, 5 yrs 7.63%
- Max LVR
- 80%
- 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 | 6.38% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 53rd lowest of 102, level with one other |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.68% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 81 institutions | 79th lowest of 81 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.68% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.59%of 83 institutions | 79th lowest of 83 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.68% | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions | 75th lowest of 79 |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.68% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.79%of 62 institutions | 58th lowest of 62 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.58% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 51st lowest of 102 |
Rates
Every rate Zeus by LMG publishes for this home loan, 48 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.36%6.38%
- 1 yr fixedtypical 6.59%7.68%
- 2 yrs fixedtypical 6.59%7.68%
- 3 yrs fixedtypical 6.69%7.68%
- 4 yrs fixed7.68%
- 5 yrs fixedtypical 6.79%7.68%
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%6.33%
- 70–80%6.38%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.27% | - |
| Fixed | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.27% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.40% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.40% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.62% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.52% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.52% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.62% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.72% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.72% | - |
| Fixed | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.02% | - |
| Fixed | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.10% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.15% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.20% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.27% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.32% | - |
| Fixed | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.37% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.42% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.47% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.52% | - |
| Fixed | Owner occupied, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.02% | - |
| Fixed | Owner occupied, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.10% | - |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.15% | - |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.20% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.27% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.32% | - |
| Fixed | Owner occupied, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.37% | - |
| Fixed | Owner occupied, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.42% | - |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.47% | - |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.88% | - | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.82% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.68% | 6.87% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.95% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.68% | 7.00% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 7.07% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.68% | 7.12% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 7.17% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.68% | 7.22% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 7.27% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.68% | 7.32% | - |
| Variable | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 6.73% | 7.10% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 6.78% | 7.13% | - |
| Variable | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 6.53% | 6.88% | - |
| Variable | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 6.58% | 6.93% | - |
| Variable | Owner occupied, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 6.53% | 6.88% | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 6.58% | 6.93% | - |
| Variable | Owner occupied, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 6.33% | 6.69% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 6.38% | 6.74% | - |
Fees
6 fees published, grouped by when they're charged.
- When you take it outUp to $4953 fees, each listed below
- While you hold it$379 a yearLenders Annual Facility Fee
- When you close it or pay it off$595Discharge Administration Fee
When you take it out3
- Fixed Rate Lock Fee
Optional if the client wants Fixed Rate Lock feature
$495 - Loan Settlement Fee
400$ if Rapid Refinance Settlement Fee
$100 - Third Party Costs
Referred as Solicitor Documentation Fee in the collateral.
$295
While you hold it1
- Lenders Annual Facility Fee
Referred as Annual Account Fee in the collateral. 1 Fee per borrower (so multiple bolt loans only 1 fee) and waived for the first year
$379 a year
When particular things happen1
- Loan Facility Variation Fee$450
When you close it or pay it off1
- Discharge Administration Fee
Referred as Discharge Fee in the product collateral.
$595
Features
Offset accountRedrawExtra repaymentsDigital banking
- Acceptable securities: Residential property
- Split Loans: Up to 4 splits allowed
- Cash Out: Max of 3% of security value (capped at $50,000) If you are refinancing a re-draw amount to the 30% limit then you are not eligible for cashout
- Repayments / Frequency - Principal and Interest (weekly, fortnightly, monthly) Interest Only (monthly)
- Fixed Rate Lock (Optional)
Eligibility and limits
- Minimum age 18
- Residency: an Australian Citizen or a Permanent Resident of Australia who resides in Australia or New Zealand OR is a company incorporated in Australia, OR is a trustee of an Australian trust and the trustee meets the eligibility criteria of an individual or company (as above) OR is an Australian partnership and the partners meet the eligibility criteria of an individual, company or trust (as above)
- Available to individuals
- Amount $50,000 to $3,500,000
- Maximum LVR 80%
- provide sufficient security in accordance with our lending eligibility criteria, and/or a guarantor who supports the loan also meets our lending eligibility criteria.
- The maximum loan term is 360 months
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Published by Zeus under the Consumer Data Right, last changed by them on 6 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.