---
title: "Low Rate Home Loan — homeloans.com.au"
description: "Home Loans from homeloans.com.au. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/homeloans-com-au/products/LRHL
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-11T04:16:59.601783Z
---

# Low Rate Home Loan — homeloans.com.au

> Home Loans from homeloans.com.au. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**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.

## At a glance

- **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% | 60.01% - 80% LVR |
| Variable | 7.09% | 7.09% | 80.01% - 90% LVR |
| Variable | 7.29% | 7.29% | 90.01% - 95 LVR |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.69% | 6.69% | <=60% LVR |
| Variable | 6.79% | 6.79% | 60.01% - 80% LVR |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.54% | 6.54% | <=60% LVR |
| Variable | 6.64% | 6.64% | 60.01% - 80% LVR |
| Variable | 7.24% | 7.24% | 80.01% - 90% LVR |
| Variable | 7.44% | 7.44% | 90.01% - 95% LVR |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.84% | 6.84% | <=60% LVR |
| Variable | 6.94% | 6.94% | 60.01% - 80% LVR |
| Variable | 7.39% | 7.39% | 80.01% - 90% LVR |

## 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 |
| Settlement payment fee - Non WBC accounts | Payment | $12.00 |
| Settlement payment fee - WBC | Payment | $1.50 |
| Dishonour fee | Dishonour | $15.00 |
| Arrears management fee | Event | $55.00 |
| Priority payment fee | Event | $15.00 |
| Extra statement fee | Event | $5.50 |
| Legal document preparation fee — Fee charged at cost | Other | From $0.00 |
| Lender Settlement Fee | Event | $199.00 |

## 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**
- **Card access** — Visa Debit
- **Bill payment (BPAY)**

## 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

## Data provenance

- Published by homeloans.com.au under the Consumer Data Right
- Product ID: `LRHL`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/homeloans-com-au/LRHL
- Provider page: https://www.cdrcompare.au/brands/homeloans-com-au

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/homeloans-com-au/products/LRHL) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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