Premium Smart Home Loan
Perfect for borrowers with equity in their home
- From (owner occupied)
- 6.19%
- 6.25% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Secured by mortgage over Residential Property | 6.19% | 6.25% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| MORTGAGE_DISCHARGE_FEE Capped at $0.00 · Discharge fees are paid on discharge | Cash advance | $536.00 |
| PREMIUM_SMART_HOME_LOAN_ESTABLISHMENT_FEE Capped at $0.00 · Establishment Fee Paid on Funding (includes Mortgage Registration Fee) | Cash advance | $497.00 |
Features
- Redraw facility
- Offset account
- Digital banking
- Maximum term 30 years
- Extra repayments
- Split Loan allowed
Eligibility
- Minimum age — 18 years18
- Residency status — Australian Resident only
- Maximum LVR 95% subject to Lenders Mortgage Insurance approval
Constraints
- Minimum balance — $150,000.00New borrowings on loan must exceed $150000
- Maximum LVR — 80%Maximum LVR 80% without Lenders Mortgage Insurance
More Information
Published by Central West CUL under the Consumer Data Right · Last updated 27 May 2026 · Product ID Premium_Smart_Home_Loan · View on CDR.gov.au