--- title: "liteBlue Deposit Scheme O/Occ P+I (up to 98%LVR) — Hume Bank" description: "Home Loans from Hume Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/hume-bank/products/LBDSSUB98OOPI_V1 source: "CDR Compare" language: en-AU last_updated: 2026-06-17T15:53:25.000+10:00 --- # liteBlue Deposit Scheme O/Occ P+I (up to 98%LVR) — Hume Bank > Home Loans from Hume Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans · HUME BANK LIMITED** To support the Governments initiative to help more Australians buy their first home sooner. At Hume Bank, we?re here to make your first?home journey easier with competitive rates and features ## At a glance - **From (owner occupied):** 5.99% (6% comparison) ## Apply Applications are handled by the provider: [Apply at Hume Bank](https://www.humebank.com.au/homes/liteblue-variable-rate/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Interest is calculated daily and applied monthly) | 5.99% | 6% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | LBAPPFEE — This fee is a once off charge for a liteBlue application | Payment | $199.00 | | TITLEPRODFEE — Payable when you ask us to produce the title to you or another credit provider | Event | $150.00 | | TITLESEARCH — Payable when you undertake a title search in relation to any security | Event | $50.00 | | SETTLEMENTATTFEE — Payable when we are required to attend any settlement on your behalf | Event | $75.00 | | SEARCHFEE — Payable when we undertake any search in relation to your company or business at ASIC | Event | $20.00 | | PROGPAYMENT — Payable on the 8th and any subsequent drawdown on a construction loan | Event | $30.00 | | PHOTOCOPYFEE — $3 per page. Payable when you ask us to photocopy documents for you | Event | $3.00 | | DISCHARGE_FEE — Payable when any security is wholly or partially discharged. | Exit | $350.00 | | REDRAW — Payable each time you request a redraw on your loan over the counter. For all loans apart from Interest Saver loans, this fee is waived for the first redraw requested each month. This fee does not apply if your request is processed via iBank | Transaction | $30.00 | | CONSENT_FEE — Payable when you ask us to consent to a second mortgage on any security | Event | $150.00 | | DEFAULTFEE — Payable on the last day of each month during which there is an amount overdue for payment on your loan. | Payment | $20.00 | | AGENT_FEE — Payable if we need to instruct an agent in connection with the settlement of your loan | Payment | $150.00 | | CHQFEE — Payable for each cheque required on settlement in excess of five (5) cheques | Event | $10.00 | | DUPLICATESTATEMENTFEE — Duplicate Statement Fee - $2 per page of statement produced. Payable when you ask us to produce duplicate statements for you. | Event | $2.00 | | LANDTITLE — Priced on application - Payable when you request us to produce a title deed | Cash advance | $0.00 | | LEGALCOSTS — Priced on application - Payable when we pay our solicitors as a result of your application for a variabtion to, discharge of or our consent to any variation of your agreement or security | Cash advance | $0.00 | | SECURITYSEARCH — Priced on application - Payable if we need to search a register in relation to any security | Cash advance | $0.00 | | VALFEE — Priced on application - Payable when we have to pay a valuer as a result of your application for our consent to any matter relating to this agreement or the security, a variation of the agreement or security, or for a progress payment under a construction loan | Cash advance | $0.00 | | CONTRACTVARIATIONFEE — Payable in the event we agree to vary your loan agreement | Event | $300.00 | | SWITCHFEE — Payable when you convert from one interest rate option to another. This fee is in addition to any break costs payable | Event | $300.00 | | DISHONOURFEE — Payable if a direct debit from another account to your loan is declined or a cheque deposited to your loan account is dishonoured | Payment | $16.00 | ## Features - **Digital banking** - **Redraw facility** (Unlimited redraw using online banking) - **No monthly account keeping fees** - **Flexible Repayments - weekly, fortnightly or monthly** - **eStatements only on this product** - **Extra repayments** ## Eligibility - **Minimum age** — 18 years (18) - **Maximum Loan to Value Ratio of 98%** - **Residency status** — Must be an Australian resident or citizen, with an Australian residential mailing address - **Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply** - **Must be eligible for the First Home Loan Deposit Scheme** ## Constraints - **Maximum LVR** — 98% ## More information from Hume Bank - [Overview](https://www.humebank.com.au/personal/home-loans/liteblue-variable-rate-home-loan) - [Terms & conditions](https://www.humebank.com.au/tools-help/product-tcs/) - [Eligibility](https://www.humebank.com.au/media/2023/02/General-Conditions.pdf) - [Fees & pricing](https://www.humebank.com.au/personal/home-loans/liteblue-variable-rate-home-loan) ## Data provenance - Published by Hume Bank under the Consumer Data Right - Product ID: `LBDSSUB98OOPI_V1` - Last updated by the provider: 17 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/hume-bank/LBDSSUB98OOPI_V1 - Provider page: https://www.cdrcompare.au/brands/hume-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000213 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/hume-bank/products/LBDSSUB98OOPI_V1) — product data published by Australian data holders under the Consumer Data Right. 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