Reward
Home Loans
RedZed's Near Prime Home Loan
- From (owner occupied)
- 7.45%
- 7.89% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.45% | 7.89% | LVR |
| Variable | 7.45% | 7.89% | LVR |
| Variable | 7.5% | 7.94% | LVR |
| Variable | 7.5% | 7.94% | LVR |
| Variable | 7.7% | 8.18% | LVR |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.65% | 8.09% | LVR |
| Variable | 7.65% | 8.09% | LVR |
| Variable | 7.7% | 8.14% | LVR |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.65% | 8.09% | LVR |
| Variable | 7.65% | 8.09% | LVR |
| Variable | 7.7% | 8.14% | LVR |
| Variable | 7.7% | 8.14% | LVR |
| Variable | 7.9% | 8.38% | LVR |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.85% | 8.29% | LVR |
| Variable | 7.85% | 8.29% | LVR |
| Variable | 7.9% | 8.34% | LVR |
| Variable | 7.9% | 8.34% | LVR |
| Variable | 8.1% | 8.58% | LVR |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Event | $399.00 |
| Security Appraisal Fee | Event | $380.00 – $2,000.00 |
| Settlement Fee | Event | $975.00 |
| Legal and Administration Fee | Event | $895.00 |
| Split Loan Fee | Event | $350.00 |
| Guarantor Fee Only applies if application has a guarantee | Other | $250.00 |
| Trust Fee Applied per trust | Other | $250.00 |
| Account Management Fee Charged monthly | Ongoing | $25.00 |
| Risk Fee |
Features
- Offset account
- Redraw facility
- Digital banking
- Extra repayments
Eligibility
- Minimum age — 18 years
- Residency status — Australian Resident
- Individuals only
- Business customers
Constraints
- Maximum LVR — 80%
- Maximum limit — $3,000,000.00
- Minimum limit — $100,000.00
More Information
Published by RedZed under the Consumer Data Right · Last updated 6 July 2026 · Product ID e9bc30c1-e457-46ab-aee1-89d7413da4b2