Why our Flex variable home loan
What's a Flex variable home loan?
Whether you’re buying or refinancing, our Flex variable home loan gives you options. Get 100% interest offset across multiple Spend, Bills and Save accounts and make as many additional payments as you want at no charge. For the perfect balance of flexibility and security, you can split your Flex variable home loan with our Flex fixed home loan.
Interest rates
Our Flex variable home loan rates
The lower your LVR, the lower your rate.
VariablePrincipal and interest (P&I)
Loan to value ratio (LVR) | Interest rate p.a. | |
|---|---|---|
6.09% | 6.33% | |
6.09% | 6.33% | |
6.14% | 6.38% | |
6.69% | 6.92% | |
6.99% | 7.22% | |
8.15% | 8.37% |
VariableInterest only (IO)
Loan to value ratio (LVR) | Interest rate p.a. | |
|---|---|---|
6.40% | 6.44% | |
6.44% | 6.46% | |
6.49% | 6.51% | |
8.75% | 8.64% |
Fees
Here's what you'll pay
These are the fees you’ll pay with our Flex variable home loan. Depending on how you use your loan, you may have to pay other fees and charges.
Fees | Charges |
|---|---|
$250 | |
$250 per year | |
$300 per property |
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Take back any additional payments at no extra cost
Pay back more than your minimum repayments for free
You can split your loan with a fixed rate and a variable rate
Reduce the amount of interest you pay each month with multiple offset accounts
To manage accounts and any changes across up to 5 Flex split loans
Redraw
Take back any additional payments at no extra cost
Additional payments
Pay back more than your minimum repayments for free
Split option
You can split your loan with a fixed rate and a variable rate
Offset account(s)
Reduce the amount of interest you pay each month with multiple offset accounts
Annual fee
To manage accounts and any changes across up to 5 Flex split loans
up to $20K during fixed term
up to $20K during fixed term
$0
$250 p.a.
$250 p.a.
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