Smart Home Loan
Whether you're a first homebuyer, or looking to expand along with your family, our friendly team will work with you to find the loan that best supports your goals.
- From (owner occupied)
- 7.15%
- 7.21% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Secured by mortgage over Residential Property (Owner Occupied only) | 7.15% | 7.21% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| MORTGAGE_DISCHARGE_FEE Capped at $0.00 · Discharge fees are paid on discharge | Cash advance | $536.00 |
| SMART_HOME_LOAN_ESTABLISHMENT_FEE Capped at $0.00 · Establishment fees paid on funding (Includes Mortgage Registration Fee) | Cash advance | $822.00 |
Features
- Redraw facility
- Offset account
- Digital banking
- Maximum term 30 years
- Extra repayments
- Split Loan allowed
Eligibility
- Residency status — Australian Resident only
- Maximum LVR 95% subject to Lenders Mortgage Insurance approval
- Minimum age — 18 years
Constraints
- Minimum balance — $10,000.00
- Maximum LVR — 80%Maximum LVR 80% without Lenders Mortgage Insurance
- Owner Occupied only
More Information
Published by Central West CUL under the Consumer Data Right · Last updated 27 May 2026 · Product ID Smart_Home_Loan · View on CDR.gov.au