Flexible Choice Owner Occupied

Flexible Choice Owner Occupied
Category: Home Loans  Last Updated April 14, 2026  Effective April 20, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.70% PA
Comparison Rate
6.58%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..
  <=80% LVR
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.05%, Comparison Rate 6.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.80%, Comparison Rate 6.60%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.85%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.15%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  60-80% LVR
Minimum: 0.6 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.25%, Comparison Rate 6.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.95%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.70%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.75%, Comparison Rate 6.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.05%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <60% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.15%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Redraw
  • Offset
  • Extra Repayments

 Product Eligibility

  • Min Age - 18.

 Bank Fees and Charges

  • Home Loan Application Fee - New Applications (Event), Amount: 600.00.
  • Loan Discharge Fee Registration Or Settlement (Event), Amount: 250.00. Additional Information: Plus out of pocket expenses
  • Home Loan Top Up Fee Existing Loan (Event), Amount: 300.00.
  • Loan Substitution Of Property Mortgage Fee (Upfront), Amount: 300.00.
  • Loan Variation Fee (Event), Amount: 600.00.
  • Loan Valuation Fee (Variable), Amount: 0.00.
  • Loan Legal Fees, Valuations, Surveys, And Settlement Fees (Variable), Amount: 0.00.
  • Fixed Rate Lock In Fee (Upfront), Amount: Not Listed.. Additional Information: borrowed amount
  • Loan Offset Service Fee (Periodic), Amount: 6.00.
  • Loan Redraw Facility Fee Online (Transaction), Amount: 10.00.
  • Loan Redraw Facility Fee Over Counter (Transaction), Amount: 20.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 45000.00
  • Max Limit of 3500000.00