Retro Switch
Home LoansAFG Home Loans -Retro
An OO/INV variable home loan with both P&I and IO rate and simplified serviceability for full doc refinance customers
- From (owner occupied)
- 6.49%
- 6.48% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.49% | 6.48% | Loan Amount Tier $1,250,000.01–$1,500,000LVR Tier ≤60% |
| Variable | 6.49% | 6.48% | Loan Amount Tier $1,250,000.01–$1,500,000LVR Tier 60.01–70% |
| Variable | 6.49% | 6.48% | Loan Amount Tier $750,000.01–$1,250,000LVR Tier ≤60% |
| Variable | 6.49% | 6.48% | Loan Amount Tier $750,000.01–$1,250,000LVR Tier 60.01–70% |
| Variable | 6.49% | 6.48% | Loan Amount Tier $100,000–$750,000LVR Tier ≤60% |
| Variable | 6.49% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Trust application Fee Applicable only to Trust applicant | Event | $300.00 |
| Settlement Fee | Upfront | $485.00 |
| Valuation Fee 1st $300 Waived. The valuation fee range is an estimate. Valuation fee may be greater than the fee maximum noted. | Upfront | $0.00 – $400.00 |
Features
- Extra repayments — Additional repayments
- More frequent payments are permitted and additional repayments may be made at any time.
- Offset account — Offset account
- Up to four 100% offset facilities with no ongoing fees
- Redraw facility — Redraw
- Minimum redraw of $3,000
- Digital banking
- Internet and mobile banking available
- Up to 10 years Interest Only — 10 year IO term
- Maximum four splits are offered — Splitting your loan
- This loan can be used for the purposes of refinancing your existing home loan.
Eligibility
- Individuals only — Individuals
- Business customers — Non-individual borrowersRegistered Australian companies, subject to taxation. Trustee companies acting on behalf of trusts
- Minimum age — 18 yearsIndividuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
- Applications for home loans are subject to the Bank's normal credit approval.
- Residency status — Borrowers, mortgagors, and guarantors must reside in Australia and one of the following: Australian Citizen or Australian Permanent Resident. Individuals who hold a Partner/Spousal Resident Visa (e.g., Subclass 309, 820) are permitted, on the basis that a joint application is submitted with one of the above defined eligible borrowers.
Constraints
- Maximum balance — $1,500,000.00Maximum group exposure is $2.5 mil
- Maximum LVR — 80%Maximum LVR: 80%
- Only available when refinancing an existing full doc, prime residential home loan where customers have been with their current lender for a minimum of 12 months. — Policy
Published by AFG Home Loans - Retro under the Consumer Data Right · Last updated 6 July 2026 · Product ID 3ef3e750-d8ab-4666-b639-0e19ffbcb968 · View Source Data (JSON)