At a glance
- Max LVR
- 95%
- Annual fee
- $379
- Features
- offset, redraw, extra repayments
Rates
Every rate Zeus by LMG publishes for this home loan, 10 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 6.53% | 6.99% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 6.58% | 7.04% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Investment, Interest only | - | 80–85% LVR, $50,000–$3,000,000 | 6.83% | 7.55% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Investment, Interest only | - | 85–90% LVR, $50,000–$3,000,000 | 6.83% | 7.69% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Investment, Interest only | - | 90–95% LVR, $50,000–$2,000,000 | 6.93% | 8.04% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Owner occupied, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 6.33% | 6.79% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Owner occupied, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 6.38% | 6.85% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Owner occupied, Interest only | - | 80–85% LVR, $50,000–$3,000,000 | 6.63% | 7.32% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Owner occupied, Interest only | - | 85–90% LVR, $50,000–$3,000,000 | 6.63% | 7.46% | - |
| VariableInterest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate) | Owner occupied, Interest only | - | 90–95% LVR, $50,000–$2,000,000 | 6.73% | 7.80% | - |
Fees
38 fees published, grouped by when they're charged.
- When you take it outUp to $88034 fees, each listed below
- While you hold itUp to $3792 fees, each listed below
- When you close it or pay it off$595Discharge Administration Fee
When you take it out34
- Construction Risk Fee
This fee is applicable to loans with an LVR below 80% for Investment properties
0.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR below 80% for Owner Occupied properties
0.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 80% to 81% for Owner Occupied properties.
1.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
2.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
2.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
2.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
2.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
3.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
3.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
4.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
5.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
3.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
3.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
5.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties.
5.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
5.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 90% to 91% for Investment properties
5.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 92% to 93% for Investment properties
5.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 88% to 89% for Investment properties
3.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 87% to 88% for Investment properties
3.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 91% to 92% for Investment properties
5.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 89% to 90% for Investment properties
4.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 93% to 94% for Investment properties
5.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 94% to 95% for Investment properties
6.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 86% to 87% for Investment properties
3.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 85% to 86% for Investment properties
3.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 80% to 81% for Investment properties
1.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Investment properties
2.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 82% to 83% for Investment properties
2.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 83% to 84% for Investment properties
2.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 84% to 85% for Investment properties
2.75% of balance - Third Party Costs
Referred as Solicitor Documentation Fee in the collateral.
$295 - Upfront Construction Review Fee
Referred as Construction administration fee in the collateral
$880
While you hold it2
- Lenders Annual Facility Fee
Referred as Annual Account Fee in the collateral. At settlement, then added to the schedule balance on anniversary of the loan charged per loan, this is not a package fee
$379 a year - 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
- Cash Out: >90% LVR – Cash out not available. > 80% and ≤ 90% LVR – limited to 20% of security value. ≤ 80% LVR – unlimited.
- 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
- Acceptable securities: Residential property
- Repayments / Frequency - Principal and Interest (weekly, fortnightly, monthly) Interest Only (monthly)
- Acceptable borrowers - PAYG, Self Employed, Trust & Company (Bolt)
Eligibility and limits
- Minimum age 18
- Residency: is either an Australian Citizen or a Permanent Resident of Australia, living in Australia
- Available to individuals
- Amount $50,000 to $3,500,000
- Maximum LVR 95%
- 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
- Interest Only for the construction period (maximum 18 months) then converting to Principal and Interest (Zeus Own Rate)
- 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.