Value Home Loan

Get the flexibility of a variable rate with the benefit of a 100% offset facility. The Value Home Loan is also available for DHOAS eligible applicants
Category: Home Loans  Last Updated May 20, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
6.69% PA
Comparison Rate
6.72%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR 71% <=80% inc LMI
Minimum: 71 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.84%, Comparison Rate 6.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 81% <=90% inc LMI
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.04%, Comparison Rate 7.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 91 <=98% inc LMI
Minimum: 91 PERCENT Maximum: 98 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.29%, Comparison Rate 7.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Offset
  • Redraw Additional Information: Available on loans with Principal and Interest repayments
  • Extra Repayments
  • Loyalty Program
  • Other Additional Information: Split Loan

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.
  • Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

 Bank Fees and Charges

  • Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs- To switch to a RateSaver Loan
  • Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration
  • Document Re-issue Fee (Event), Amount: 100.00.
  • Redraw Fee (per Redraw) (Transaction), Amount: 10.00.
  • Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.
  • Processing Fee (Upfront), Amount: 450.00.
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract
  • Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested
  • Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page
  • Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.
  • Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: A $50 hourly fee applies plus any expenses incurred
  • Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs
  • Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs Note: this fees is in addition to any break costs payable for fixed rate loans.
  • Property Valuation Fee (Variable), Amount: Not Listed.. Additional Information: At cost. Minimum is $250.00
  • Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00
  • Max Limit of 5000000.00
  • Min Lvr of 0.00
  • Max Lvr of 0.98