Premium Smart Home Loan

Perfect for borrowers with equity in their home
Category: Home Loans  Last Updated May 27, 2026  Effective October 4, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Secured by mortgage over Residential Property
Interest Rate
6.19% PA
Comparison Rate
6.25%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 Features

  • Redraw
  • Offset
  • Digital Banking
  • Other Additional Information: Maximum term 30 years
  • Extra Repayments
  • Other Additional Information: Split Loan allowed

 Product Eligibility

  • Min Age - 18. Additional Information: 18
  • Residency Status - Australian Resident Only.
  • Other Additional Information: Maximum LVR 95% subject to Lenders Mortgage Insurance approval

 Bank Fees and Charges

  • Mortgage Discharge Fee (Exit), Amount: Not Listed.. Additional Information: Discharge fees are paid on discharge
  • Premium Smart Home Loan Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: Establishment Fee Paid on Funding (includes Mortgage Registration Fee)

 Limitations & Restrictions (Constraints)

  • Min Balance of 150000.00 Additional Information: New borrowings on loan must exceed $150000
  • Max Lvr of 0.80 Additional Information: Maximum LVR 80% without Lenders Mortgage Insurance