Residential Loan
Flexible residential lending for owner occupier or investor to refinance, cash out or purchase residential property or vacant land.
- From (owner occupied)
- 6.78%
- 6.89% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Minimum starting rate for residential loans, higher rate applies depending on income verification type, LVR, security locations and other lending criteria. | 6.78% | 6.89% | — |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Minimum starting rate for residential loans, higher rate applies depending on income verification type, LVR, security locations and other lending criteria. | 6.98% | 7.09% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Minimum starting rate for residential loans, higher rate applies depending on income verification type (including SMSF loans), LVR, security locations and other lending criteria. | 6.88% | 6.99% | — |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Minimum starting rate for residential loans, higher rate applies depending on income verification type (including SMSF loans), LVR, security locations and other lending criteria. | 7.08% | 7.19% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee Multiple establishment fee structure available, GST applicable in addition to fee minimum value. | Upfront | From $650.00 |
| Valuation Fee Valuation fees depend on property type and location, GST applicable in addition to fee minimum value. | Upfront | From $350.00 |
| Settlement Fee A fixed settlement fee is charged when the loan is settled. | Upfront | $495.00 |
| Discharge Fee Covers the administrative process for full or partial discharge of security, plus any legal fees. | Exit | From $495.00 |
Features
- Digital banking
- Digital access to customer portal to view and manage loans.
- Guarantor supported
- Guarantors permitted.
- Redraw facility
- Available for some variable rate loans, enabling access to extra or early payments made to an eligible loan.
- Offset account
- Available for variable rate loans, enabling access to extra or early payments made to an eligible loan. Offset facility running balance provided as part of loan statement.
- Extra repayments
- Extra or early repayments permitted for eligible variable rate loans.
Eligibility
- Business customers — Business including sole traders, partnerships, trusts and registered companies.
- Individuals only — Property investors and owner occupiers.
- Minimum age — 18 yearsBorrowers must be 18 years or older.
- Loan must meet lending policy and criteria. — Subject to lending criteria.
Constraints
- Minimum limit — $100,000.00Loans start from $100K
- Maximum limit — $5,000,000.00Up to $5M, subject to approval
- LVRs and pricing vary by location — Postcode Rules
More Information
Published by AFG Align under the Consumer Data Right · Last updated 5 July 2026 · Product ID 7d4802c6-683e-4642-89af-b6991c8e545e