---
title: "Retro Lite Specialist — 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/b0397994-4a76-4123-9462-506ca0da410a
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T00:14:05Z
---

# Retro Lite Specialist — 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**

A low doc OO/INV variable home loan with both P&I and IO rate for non-conforming customers

## At a glance

- **From (owner occupied):** 7.49% (7.91% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.49% | 7.91% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 7.49% | 7.91% | Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 7.49% | 7.93% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.49% | 7.93% | Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.69% | 8.11% | Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier ≤60% |
| Variable | 7.69% | 8.13% | Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 60.01–70% |
| Variable | 7.69% | 8.17% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.69% | 8.17% | Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 7.83% | 8.31% | Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 70.01–80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.79% | 8.02% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 7.79% | 8.02% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 7.79% | 8.04% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.79% | 8.04% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.99% | 8.22% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier ≤60% |
| Variable | 7.99% | 8.24% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 60.01–70% |
| Variable | 7.99% | 8.28% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.99% | 8.28% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 8.13% | 8.42% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 70.01–80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.79% | 8.21% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 7.79% | 8.21% | Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 7.79% | 8.23% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.79% | 8.23% | Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.99% | 8.41% | Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier ≤60% |
| Variable | 7.99% | 8.43% | Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 60.01–70% |
| Variable | 7.99% | 8.47% | Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.99% | 8.47% | Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 8.13% | 8.61% | Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 70.01–80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.79% | 8.18% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 7.79% | 8.18% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 7.79% | 8.21% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.79% | 8.21% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.89% | 8.24% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 7.89% | 8.24% | IO Term Tier 72–120 months; Loan Amount Tier $100,000–$750,000; LVR Tier ≤60% |
| Variable | 7.89% | 8.26% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.89% | 8.26% | IO Term Tier 72–120 months; Loan Amount Tier $100,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.99% | 8.38% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier ≤60% |
| Variable | 7.99% | 8.41% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 60.01–70% |
| Variable | 7.99% | 8.44% | IO Term Tier 12–60 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.99% | 8.44% | IO Term Tier 12–60 months; Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 8.09% | 8.44% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier ≤60% |
| Variable | 8.09% | 8.46% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 60.01–70% |
| Variable | 8.09% | 8.49% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 8.09% | 8.49% | IO Term Tier 72–120 months; Loan Amount Tier $100,000–$750,000; LVR Tier 70.01–80% |
| Variable | 8.13% | 8.58% | IO Term Tier 12–60 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 70.01–80% |
| Variable | 8.23% | 8.63% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$2,000,000; LVR Tier 70.01–80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Service Fee | Event | $330.00 |
| Settlement Fee | Upfront | $699.00 |
| Valuation Fee — Full fee charged to customer. The Valuation Fee range is an estimate.  Valuation Fee may be less than the Fee Minimum noted or greater than the Fee Maximum noted. | Upfront | $300.00 – $700.00 |
| Trust application Fee — Applicable only to Trust applicant | Event | $300.00 |
| Risk Fee — 0.50% up to 60% LVR / 0.70% for 60% <= 70% LVR / 1.00% for >70% LVR | Upfront | $500.00 – $20,000.00 |

## 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 manual redraw of $3,000)
- **Digital banking** (Internet and mobile banking available)
- **Self Employed Income Confirmation - Customer financial declaration plus one form of income verification** — Self certified income
- **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 investment and owner occupied property purchases, refinancing your existing home loan, business purposes(excluding working capital), and personal needs (e.g.home renovations, consolidation of personal debt and personal investments).** — Acceptable Loan Purposes
- **This loan cannot be used for working capital, bridging loans, or any unlawful purposes.** — Unacceptable Loan Purposes
- **Loan variation acceptable** — Top up
- **Documentary evidence is required where Cash Out is > $200,000** — Cash Out
- **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
- **Unlimited number of paid & unpaid defaults, judgments and writs (up to the value of $1,000). Discharged Bankrupt > 1 day** — Credit history
- **30 days or less mortgage arrears** — Arrears

## 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** — $2,000,000.00 (Maximum group exposure is $2 mil)
- **Maximum LVR** — 80% (Maximum LVR: 80% plus risk fee)

## Data provenance

- Published by AFG Home Loans - Retro under the Consumer Data Right
- Product ID: `b0397994-4a76-4123-9462-506ca0da410a`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/afg-home-loans-retro/b0397994-4a76-4123-9462-506ca0da410a
- Provider page: https://www.cdrcompare.au/brands/afg-home-loans-retro

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/afg-home-loans-retro/products/b0397994-4a76-4123-9462-506ca0da410a) — 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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