Dream Home Loan Variable IO Owner Occupied

A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available.
Category: Home Loans  Last Updated June 19, 2026  Effective October 4, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information Comparison Rate is calculated on a loan amount of $150,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
6.94% PA
Comparison Rate
7.27%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

  • Other Additional Information: For owner occupied and investment homes, purchasing of vacant land (up to 200acres/80ha) and building a new home
  • Complementary Product Discounts Additional Information: Optional Classic Credit Card with no annual card fee and a discounted rate for the life of the home loan
  • Extra Repayments Additional Information: No restriction on amount of additional repayments you make
  • Redraw Additional Information: Free redraw on additional repayments made. Minimum $500
  • Other Additional Information: Make weekly, fortnightly or monthly repayments
  • Offset Additional Information: 100% Offset everyday transaction account available
  • Digital Banking Additional Information: Secure banking 24/7 from your computer or mobile with Online Banking
  • Digital Banking Additional Information: 24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.
  • Other Additional Information: Maximum Interest Only Period of 60 months

 Product Eligibility

  • Other Additional Information: Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
  • Min Age - 18.
  • Residency Status - Au. Additional Information: Individuals must be citizens or permanent residents of Australia.
  • Natural Person Additional Information: Available for personal borrowers only

 Bank Fees and Charges

  • Alternate Security Mortgage (Event), Amount: Not Listed..
  • Discharge Mortgage (Event), Amount: Not Listed..
  • Final Search (Cash Advance), Amount: Not Listed..
  • Late Repayment Fee (Event), Amount: Not Listed..
  • Mortgage Cancellation Fee (Event), Amount: Not Listed..
  • Registration With Lrs (Cash Advance), Amount: Not Listed..
  • Staff Transfer (Event), Amount: Not Listed..
  • Pexa Elctronic Settlement Agency (Cash Advance), Amount: Not Listed.. Additional Information: Fee is variable depending on number of titles and varies from state to state.
  • Mortgage Valuation (Cash Advance), Amount: Not Listed.. Additional Information: Valuation fee is variable depending on the location, size and type of property.
  • Mortgage Annual Fee (Periodic), Amount: Not Listed..

 Limitations & Restrictions (Constraints)

  • Min Balance of 150000.00
  • Max Balance of 2000000.00
  • Max Lvr of 80.00 Additional Information: 80% for new borrowing
  • Max Lvr of 95.00 Additional Information: 95% for a first home buyer under the Australian Govt 5% Deposit Scheme
  • Max Lvr of 98.00 Additional Information: 98% for a single parent or guardian under the Australian Govt 5% Deposit Scheme