Standard Variable Rate Home Loan - Owner Occupied
Our Standard Variable Rate Home Loans are suitable for first time home buyers, families who need extra space, and those looking to refinance their homes.
- From (owner occupied)
- 5.65%
- 5.73% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 5.65% | 5.73% | Loan AmountLoan-to-Value Ratio (LVR) |
| Variable | 5.75% | 5.83% | Loan AmountLoan-to-Value Ratio (LVR) |
| Variable | 5.85% | 5.93% | Loan AmountLoan-to-Value Ratio (LVR) |
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Establishment Fee - Mortgage Applies when you apply for a Mortgage related loan | Event | |
| Bank Cheque Fee Applies when we issue you with a Bank Cheque. | Event | |
| Loan Establishment Fee - Personal Loan Applies when you apply for a Personal Loan | Event | |
| Subsequent Default Notice Issue Applies when you fail to make your contracted repayments and we are required to issue a subsequent default notice to you. | Event | |
| Default Notice Fee Applies when you fail to make your contracted repayments and we are required to issue a default notice to you. | Event | |
| IPEX Applies per transfer | Event | |
| Loan Establishment Fee - Overdraft Applies when you apply for an Overdraft | Event |
Features
- Offset account
- Redraw facility
- Extra repayments
Eligibility
- Minimum age — 18 years
- Terms and conditions apply
Constraints
- Minimum limit — $20,000.00The minimum loan amount for this product is $20,000
More Information
Published by Family First under the Consumer Data Right · Last updated 16 February 2026 · Product ID e558ed9a-0557-4f31-92e6-6f5e0a878e48 · View on CDR.gov.au