Basic Variable Home Loan
A simple home loan option with a competitive interest rate and the flexibility to make extra repayments.
Key benefits of this loan
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Competitive variable interest rates
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No Application Fee or Monthly Administration Fee
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Flexible repayment frequency - pay weekly, fortnightly or monthly
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Redraw facility
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Offset account option
Rates
Principal and Interest
Minimum loan size $20,000+
Loan to Value Ratio (LVR) <70%
Minimum loan size $20,000+
Loan to Value Ratio (LVR) 70.01% - 80%
Minimum loan size $20,000+
Loan to Value Ratio (LVR) >80%
Minimum loan size $20,000+
Product overview
Competitive rates and flexible repayment options.
Our Basic Variable Home Loan may have the features and benefits of a home loan you’ve been looking for.
Competitive variable interest rates
Loan terms up to 30 years
Freedom to make unlimited extra repayments
Flexible repayment frequency
Pay weekly, fortnightly or monthly
Redraw facility
Access to extra cash if you're ahead on your repayments
Link an offset account
Construction loan option available
Lower rates for loans with an LVR less than 80%
Benefit from a Loan to Value Ratio (LVR) of less than 80%
Terms and fees
$0
$0 Monthly Administration Fee. Refer to our Fees & Charges document.
Other fees and charges may be applicable to your loan, please refer to our Fees & Charges document for further details.
Lending Terms & Conditions document
Download our Lending Terms & Conditions document.
Fees & Charges document
Download our Fees & Charges document.
Target Market Determination
Target Market Determinations for our products are available on our Target Market Determinations page.
Do some quick maths
Let's help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
What else do I need to consider
Guides and tips from Borrowing for a life event.
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