Flexidiscount Home Guarantee Scheme Home Loan
The FlexiDiscount Australian Government 5% Deposit Scheme Home Loan offers great pricing and flexibility, with the option of either a very competitive variable or fixed rate (ranging from 1 - 5 years)
- From (owner occupied)
- 6.14%
- 6.18% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.14% | 6.18% | LVR > 80% and <= 90% |
| Variable | 6.14% | 6.21% | LVR > 90% |
| Fixed · 1 year | 6.59% | 6.23% | LVR > 80% and <= 90% |
| Fixed · 1 year | 6.59% | 6.25% | LVR > 90% |
| Fixed · 2 years | 6.59% | 6.27% | LVR > 80% and <= 90% |
| Fixed · 2 years | 6.59% | 6.3% | LVR > 90% |
Fees
| Fee | Type | Amount |
|---|---|---|
| SETTLEMENT_FEE | Upfront | $350.00 |
| TITLE_SEARCH_FEE Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost. | Upfront | $38.20 – $191.00 |
| FURTHER_APPLICATION_FEE Payable when you ask us to increase the amount of credit. | Event | $300.00 |
| SPECIAL_ATTENDANCE_FEE per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date. | Event | $300.00 |
| VARIATION_FEE Payable when we agree to any request by you to vary the terms of your credit contract (including varying your interest rate or switching product types). | Event | $300.00 |
| ARREARS_FEE Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day. | Event |
Features
- Redraw facility
- Digital banking
- Extra repayments
- Real-time payments (NPP)
Eligibility
- Minimum age — 18 years
- Residency statusShould be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- Individuals only
Constraints
- Minimum balance — $20,000.00
- Maximum balance — $2,500,000.00
More Information
Published by Bank of us under the Consumer Data Right · Last updated 25 June 2026 · Product ID Flexidiscount_HGS · View on CDR.gov.au · View Source Data (JSON)