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
- 95%
- 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, 96 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%
- 80–85%6.33%
- 85–90%6.63%
- 90–95%6.73%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.22% | - |
| Fixed | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.27% | - |
| Fixed | Investment, Interest only | 1 yr fixed | 80–85% LVR, $50,000–$3,000,000 | 8.33% | 7.52% | - |
| Fixed | Investment, Interest only | 1 yr fixed | 85–90% LVR, $50,000–$3,000,000 | 8.33% | 7.52% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.35% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.40% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.33% | 7.65% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.33% | 7.65% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.47% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.52% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.33% | 7.77% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.33% | 7.77% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.57% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.62% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.33% | 7.88% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.33% | 7.88% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.03% | 7.67% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 7.72% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.33% | 7.98% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.33% | 7.98% | - |
| 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 | 1 yr fixed | 80–85% LVR, $50,000–$3,000,000 | 8.13% | 7.32% | - |
| Fixed | Investment, P&I | 1 yr fixed | 85–90% LVR, $50,000–$3,000,000 | 8.13% | 7.32% | - |
| Fixed | Investment, P&I | 1 yr fixed | 90–95% LVR, $50,000–$2,000,000 | 8.23% | 7.42% | - |
| 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 | 2 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.13% | 7.45% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.13% | 7.45% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.23% | 7.55% | - |
| 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 | 3 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.13% | 7.57% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.13% | 7.57% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.23% | 7.67% | - |
| 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 | 4 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.13% | 7.68% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.13% | 7.68% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.23% | 7.78% | - |
| 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 | Investment, P&I | 5 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 8.13% | 7.77% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 8.13% | 7.77% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.23% | 7.88% | - |
| 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% | 7.52% | - |
| 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 | 1 yr fixed | 80–85% LVR, $50,000–$3,000,000 | 7.93% | 7.12% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | 85–90% LVR, $50,000–$3,000,000 | 7.93% | 7.12% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | 90–95% LVR, $50,000–$2,000,000 | 8.03% | 7.22% | - |
| 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 | 2 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 7.93% | 7.25% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 7.93% | 7.25% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.03% | 7.35% | - |
| 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 | 3 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 7.93% | 7.36% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 7.93% | 7.36% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.03% | 7.47% | - |
| 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 | 4 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 7.93% | 7.47% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 7.93% | 7.47% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.03% | 7.57% | - |
| 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% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 80–85% LVR, $50,000–$3,000,000 | 7.93% | 7.57% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 85–90% LVR, $50,000–$3,000,000 | 7.93% | 7.57% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 90–95% LVR, $50,000–$2,000,000 | 8.03% | 7.67% | - |
| 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, Interest only | - | 80–85% LVR, $50,000–$3,000,000 | 7.03% | 7.38% | - |
| Variable | Investment, Interest only | - | 85–90% LVR, $50,000–$3,000,000 | 7.03% | 7.38% | - |
| 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 | Investment, P&I | - | 80–85% LVR, $50,000–$3,000,000 | 6.83% | 7.18% | - |
| Variable | Investment, P&I | - | 85–90% LVR, $50,000–$3,000,000 | 6.83% | 7.18% | - |
| Variable | Investment, P&I | - | 90–95% LVR, $50,000–$2,000,000 | 6.93% | 7.28% | - |
| 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% | - |
| Variable | Owner occupied, P&I | - | 80–85% LVR, $50,000–$3,000,000 | 6.33% | 6.69% | - |
| Variable | Owner occupied, P&I | - | 85–90% LVR, $50,000–$3,000,000 | 6.63% | 6.98% | - |
| Variable | Owner occupied, P&I | - | 90–95% LVR, $50,000–$2,000,000 | 6.73% | 7.10% | - |
Fees
36 fees published, grouped by when they're charged.
- When you take it outUp to $49533 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 out33
- Fixed Rate Lock Fee
Optional if the client wants Fixed Rate Lock feature
$495 - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 94% to 95% for Investment properties.
5.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 93% to 94% for Investment properties.
5.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 83% to 84% for Investment properties.
2.25% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 91% to 92% for Investment properties.
5.00% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 80% to 81% for Owner Occupied properties.
1.25% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
3.00% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
2.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 85% to 86% for Investment properties.
2.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 88% to 89% for Investment properties.
3.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
3.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
2.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 87% to 88% for Investment properties.
3.35% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 86% to 87% for Investment properties.
3.00% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 81% to 82% for Investment properties.
1.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 80% to 81% for Investment properties.
1.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
4.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
3.25% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
2.00% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
4.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
1.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 94% to 95% for Owner Occupied properties.
5.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 82% to 83% for Investment properties.
2.00% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
5.25% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
5.00% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
2.25% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 84% to 85% for Investment properties.
2.50% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 89% to 90% for Investment properties.
3.75% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 92% to 93% for Investment properties.
5.25% of balance - Loan Risk Fee
Referred as Lenders Protection Fee in the attached collateral. This fee is applicable to loans with an LVR from 90% to 91% for Investment properties.
4.75% of balance - 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 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 you close it or pay it off1
- Discharge Administration Fee
Referred as Discharge Fee in the product collateral.
$595
Features
- Split Loans: Up to 4 splits allowed
- Cash Out: >90% LVR – Cash out not available. > 80% and ≤ 90% LVR – limited to 20% of security value. ≤ 80% LVR – unlimited.
- Acceptable securities: Residential property
- Acceptable borrowers - PAYG, Self Employed, Trust & Company (Bolt)
- Repayments / Frequency - Principal and Interest (weekly, fortnightly, monthly) Interest Only (monthly)
- Fixed Rate Lock (Optional)
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%
- provide sufficient security in accordance with our lending eligibility criteria, and/or a guarantor who supports the loan also meets our lending eligibility criteria.
- 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.