---
title: "HANDYLOAN — Horizon Bank"
description: "Home Loans from Horizon Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/horizon-bank/products/S3_S30001
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T09:13:50.000+10:00
---

# HANDYLOAN — Horizon Bank

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

**Home Loans · HORIZON BANK**

Use the equity in your home for a line of credit that you can conveniently use to meet your financial needs

## At a glance

- **From:** 8.14% (Variable)

## Apply

Applications are handled by the provider: [Apply at Horizon Bank](https://forms.unpz.au/form?id=0e59f9ae8f4709bdb38e0606359b4f09:d46ce3a8-1726-4fd2-b451-23157ea36e6a)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Mortgage Secured Line of Credit) | 8.14% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 5_MONTHLY_FEE — Charged monthly | Ongoing | $5.00 |
| 250_ESTABLISHMENT_FEE | Upfront | $250.00 |

## Features

- **Overdraft available**
- **Digital banking** (Internet Banking and Mobile Banking App.)
- **Card access** — Visa Debit
- **Additional cards**
- **Digital banking** (Internet Banking and Mobile Banking App.)
- **PayID** (Create a PayID through Horizon Banks Internet Banking or Mobile Banking App to receive Osko payments with a unique identifier, such as your mobile number or email address, enabling you to receive and send money securely without the need to remember complex banking details.)
- **Real-time payments (NPP)** (This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds)
- **Digital wallet** — Apple Pay, Samsung Pay and Google Pay
- **Bill payment (BPAY)** — BPAY (BPAY is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.)
- **Manage payments from your bank account using PayTo.**

## Eligibility

- **Individuals only**

## Constraints

- **Minimum balance** — $50,000.00
- **Maximum LVR** — 80%

## More information from Horizon Bank

- [Overview](https://horizonbank.com.au/loans/owner-occupied-loan/handyloan-secured-line-of-credit/)
- [Terms & conditions](https://horizonbank.com.au/more/important-info/disclosure-documents/)
- [Fees & pricing](https://horizonbank.com.au/more/important-info/fees-and-charges/)

## Data provenance

- Published by Horizon Bank under the Consumer Data Right
- Product ID: `S3_S30001`
- Last updated by the provider: 30 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/horizon-bank/S3_S30001
- Provider page: https://www.cdrcompare.au/brands/horizon-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000211

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/horizon-bank/products/S3_S30001) — 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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