Low Rate Home Loan
Home Loans
The Low Rate Home Loan product offers great low rates and can cater for either PAYG or Self Employed applicants looking to for a loan amount for purchase, refinance, debt consolidation or cash out purposes.
- From (owner occupied)
- 6.39%
- 6.39% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.39% | 6.39% | <=60% LVR |
| Variable | 6.49% | 6.49% | 0.6001–0.8% |
| Variable | 7.09% | 7.09% | 0.8001–0.9% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.79% | 6.79% | 0.6001–0.8% |
Investment — Principal & interest
| Type |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement cancellation fee | Event | $55.00 |
| Manual redraw fee | Event | $26.00 |
| Panel Solicitor fee - Discharge Fee charged at cost | Other | From $0.00 |
| Third party fees Fee charged at cost | Other | From $0.00 |
| Valuation fee Fee charged at cost | Other | From $0.00 |
| Document retrieval fee Charged per request | Event | $25.00 |
| Discharge Fee Charged per discharged loan | Event | $300.00 |
| Variation fee | Variation | $165.00 – $195.00 |
Features
- Split loan - Part fixed / part variable
- Interest only repayments
- P&I repayments
- Unlimited free transactions available
- Redraw facility
- Offset account
- Guarantor supported
- Extra repayments
- Digital banking
Eligibility
- Residency status — Australian citizens and permanent residents, New Zealand citizens and permanent residents.Expat non residents allowed
- Individuals, companies, and discretionary trusts allowed; no unit or hybrid trusts.
- Minimum age — 18 years
- Employment status — PAYG and Self Employed
Constraints
- Acceptable Security: Completed dwellings only. No construction. Vacant land acceptable as collateral security.
- Maximum aggregate loan exposure: $5,000,000.
- Minimum LVR — 1%
- Maximum LVR — 95%
- Minimum limit — $100,000.00
- Maximum limit — $3,500,000.00
Published by homeloans.com.au under the Consumer Data Right · Last updated 9 July 2026 · Product ID LRHL