---
title: "Retro Switch — AFG Home Loans - Retro"
description: "Home Loans from AFG Home Loans - Retro. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/afg-home-loans-retro/products/3ef3e750-d8ab-4666-b639-0e19ffbcb968
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T00:14:01Z
---

# Retro Switch — AFG Home Loans - Retro

> Home Loans from AFG Home Loans - Retro. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · AFG Home Loans -Retro**

An OO/INV variable home loan with both P&I and IO rate and simplified serviceability for full doc refinance customers

## At a glance

- **From (owner occupied):** 6.49% (6.53% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.49% | 6.53% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier ≤60% |
| Variable | 6.49% | 6.53% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 6.49% | 6.53% | Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 6.49% | 6.53% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 60.01–70% |
| Variable | 6.49% | 6.53% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 6.49% | 6.53% | Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 6.59% | 6.63% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 6.59% | 6.63% | Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 6.73% | 6.77% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 70.01–80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.79% | 6.66% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.66% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.66% | Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.66% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 60.01–70% |
| Variable | 6.79% | 6.66% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 6.79% | 6.66% | Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.09% | 6.93% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 70.01–80% |
| Variable | 7.09% | 6.85% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.09% | 6.85% | Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.79% | 6.83% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.83% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.83% | Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.83% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 60.01–70% |
| Variable | 6.79% | 6.83% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 6.79% | 6.83% | Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 6.89% | 6.93% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 6.89% | 6.93% | Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 6.99% | 7.03% | Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 70.01–80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.79% | 6.83% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.83% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.83% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 6.79% | 6.83% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 60.01–70% |
| Variable | 6.79% | 6.83% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 6.79% | 6.83% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 6.89% | 6.9% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier ≤60% |
| Variable | 6.89% | 6.9% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 6.89% | 6.9% | IO Term Tier 72–120 months; Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 6.89% | 6.9% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 60.01–70% |
| Variable | 6.89% | 6.9% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 6.89% | 6.9% | IO Term Tier 72–120 months; Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.09% | 7.07% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 70.01–80% |
| Variable | 7.09% | 7.02% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.09% | 7.02% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 7.19% | 7.17% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 70.01–80% |
| Variable | 7.19% | 7.14% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.19% | 7.14% | IO Term Tier 72–120 months; Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |

## 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.** — Acceptable Loan Purposes
- **This loan cannot be used for purchases, business purposes, bridging loans, or any unlawful purposes.** — Unacceptable Loan Purposes
- **Loan variation acceptable** — Top up
- **Where an applicant shares common debts with their (non-applicant) spouse/defacto and appropriate supporting evidence can be provided, 50% of the joint debt can be used in servicing, and applicant can be treated as single. ** — Common debt reducer
- **Loan term Minimum 8 years maximum 30 years** — Loan Term
- **1% lower assessment rate** — Lower assessment rate

## Eligibility

- **Individuals only** — Individuals
- **Business customers** — Non-individual borrowers (Registered Australian companies, subject to taxation. Trustee companies acting on behalf of trusts)
- **Minimum age** — 18 years (Individuals (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** — $1,500,000.00 (Maximum group exposure is $2.5 mil)
- **Maximum LVR** — 80% (Maximum LVR: 80%)
- **Existing full doc, prime residential home loan and have been with their current lender for a minimum 12 months.** — OTHER

## Data provenance

- Published by AFG Home Loans - Retro under the Consumer Data Right
- Product ID: `3ef3e750-d8ab-4666-b639-0e19ffbcb968`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/afg-home-loans-retro/3ef3e750-d8ab-4666-b639-0e19ffbcb968
- Provider page: https://www.cdrcompare.au/brands/afg-home-loans-retro

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/afg-home-loans-retro/products/3ef3e750-d8ab-4666-b639-0e19ffbcb968) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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