---
title: "Residential Loan — Thinktank"
description: "Home Loans from Thinktank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/thinktank/products/8d932d34-ae7c-411f-b649-6bff3a13572a
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T06:30:11Z
---

# Residential Loan — Thinktank

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

**Home Loans**

Flexible residential lending for owner occupier or investor to refinance, cash out or purchase residential property or vacant land.

## At a glance

- **From (owner occupied):** 6.78% (6.89% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Minimum starting rate for residential loans, higher rate applies depending on income verification type, LVR, security locations and other lending criteria.) | 6.78% | 6.89% | — |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Minimum starting rate for residential loans, higher rate applies depending on income verification type, LVR, security locations and other lending criteria.) | 6.98% | 7.09% | — |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Minimum starting rate for residential loans, higher rate applies depending on income verification type (including SMSF loans), LVR, security locations and other lending criteria.) | 6.88% | 6.99% | — |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Minimum starting rate for residential loans, higher rate applies depending on income verification type (including SMSF loans), LVR, security locations and other lending criteria.) | 7.08% | 7.19% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment Fee — Multiple establishment fee structure available, GST applicable in addition to fee minimum value. | Upfront | From $650.00 |
| Valuation Fee — Valuation fees depend on property type and location, GST applicable in addition to fee minimum value. | Upfront | From $350.00 |
| Settlement Fee — A fixed settlement fee is charged when the loan is settled. | Upfront | $495.00 |
| Discharge Fee — Covers the administrative process for full or partial discharge of security, plus any legal fees. | Exit | From $495.00 |

## Features

- **Digital banking** (Digital access to customer portal to view and manage loans.)
- **Guarantor supported** (Guarantors permitted.)
- **Redraw facility** (Available for some variable rate loans, enabling access to extra or early payments made to an eligible loan.)
- **Offset account** (Available for variable rate loans, enabling access to extra or early payments made to an eligible loan. Offset facility running balance provided as part of loan statement.)
- **Extra repayments** (Extra or early repayments permitted for eligible variable rate loans.)

## Eligibility

- **Business customers** — Business including sole traders, partnerships, trusts and registered companies.
- **Individuals only** — Property investors and owner occupiers.
- **Minimum age** — 18 years (Borrowers must be 18 years or older.)
- **Loan must meet lending policy and criteria.** — Subject to lending criteria.

## Constraints

- **Minimum limit** — $100,000.00 (Loans start from $100K)
- **Maximum limit** — $5,000,000.00 (Up to $5M, subject to approval)
- **LVRs and pricing vary by location** — Postcode Rules

## More information from Thinktank

- [Fees & pricing](https://thinktank.au/resources/schedule-of-fees/?brand=Thinktank)

## Data provenance

- Published by Thinktank under the Consumer Data Right
- Product ID: `8d932d34-ae7c-411f-b649-6bff3a13572a`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/thinktank/8d932d34-ae7c-411f-b649-6bff3a13572a
- Provider page: https://www.cdrcompare.au/brands/thinktank

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/thinktank/products/8d932d34-ae7c-411f-b649-6bff3a13572a) — 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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