Interest Only (Owner Occupied)

Interest Only (Owner Occupied)
Category: Home Loans  Last Updated May 29, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information VARIABLE INTEREST ONLY RATE FOR OWNER OCCUPIED HOMES WITH LVR <= 60%
Interest Rate
7.74% PA
Comparison Rate
7.81%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..
  USER-INPUT-RATE/BRIDGING_LVR>60%To<=80%
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.39%, Comparison Rate 8.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/BRIDGING_LVR>80%
Minimum: 80.01 PERCENT Maximum: PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.79%, Comparison Rate 8.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/CONSTRUCT_LVR<60%
  • Lending Rate Type: Variable
  • Interest Rate: 8.09%, Comparison Rate 8.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/CONSTRUCT_LVR>60%To<=80%
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.39%, Comparison Rate 8.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/CONSTRUCT_LVR>80%
Minimum: 80.01 PERCENT Maximum: PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.79%, Comparison Rate 8.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/STD-OWN_LVR<=60%
  • Lending Rate Type: Variable
  • Interest Rate: 7.74%, Comparison Rate 7.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/STD-OWN_LVR>60%To<=80%
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.04%, Comparison Rate 8.11%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  USER-INPUT-RATE/STD-OWN_LVR>80%
Minimum: 80.01 PERCENT Maximum: PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.44%, Comparison Rate 8.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Npp Enabled
  • Redraw

 Product Eligibility

  • Min Age - 15.
  • Natural Person
  • Residency Status - Australia.

 Bank Fees and Charges

  • Loan Establishment Fee (Upfront), Amount: 300.00.
  • Loan Renegotiation Fee (Event), Amount: 150.00.
  • Settlement Disbursement Fee (Upfront), Amount: 5.00.
  • Loan Switching Fee (Event), Amount: 200.00.
  • Loan Estab Fee - Owner Builder (Upfront), Amount: 500.00.
  • Scheduling Fee - Owner Builder (Upfront), Amount: 550.00.
  • Progress Draw Fee-construction (Upfront), Amount: 95.00.
  • Cu Solicitor Mtg Discharge Fee (Transaction), Amount: 380.00.
  • Mortgage Discharge Fee (Transaction), Amount: 250.00.
  • Ppsr Security Interest Fee (Upfront), Amount: 50.00.
  • Property Search Fee (Upfront), Amount: 30.00.
  • Manual Arrears Transfer Fee (Event), Amount: 5.00.
  • Arrears Reminder Fee (Event), Amount: 5.00.
  • Final Notice Of Demand (Event), Amount: 40.00.
  • Real Time Transfer/npp Fee (Upfront), Amount: 20.00.
  • Loan Redraw Fee (Transaction), Amount: 20.00.
  • Loan Redraw Fee (Transaction), Amount: 0.00.