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If you're looking for a home loan with great pricing and some flexibility, but without the need for an offset account, FlexiDiscount is the loan for you.

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3.79% (p.a.)
Variable LVR ≤80%
3.79%# (p.a.)
Comparison rate
3.79% (p.a.)
2 years fixed LVR ≤80%
3.79%# (p.a.)
Comparison rate
Compare rates

Like to know more?

So what's good about FlexiDiscount:

  • A discounted variable interest rate (obviously!).
  • Take 1 month off repayments every year,+when you decide you need it most.
  • Fixed discounted rates from 1 to 3 years.
  • Make additional repayments without penalty.*
  • Bit short on cash and you're ahead on your repayments? Redraw your money for free.
  • You can manage your loan the way you want. Think monthly, fortnightly or weekly payments.++
  • Maybe you'd like fee-free everyday banking?
  • Get peace of mind with CGU Loan Protection Insurance.^
The small, small print:

Bank of us lending criteria, terms and conditions, including fees and charges apply. Full details are available on application.

+ Subject to prior approval and confirming that your home loan is at least one full repayment in advance at that time.

* A Break Cost Fee may apply to fixed rate loans discharged in full or converted during a fixed rate period. The standard discharge fee applies to all home loan types.

++ Subject to satisfying the minimum monthly repayment commitment detailed in the loan contract.

^Loan protection insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU insurance. Bank of us acts under its own Australian Financial Services Licence and under agreement with the issuer, CGU.

#The comparison rates are calculated on the basis of a secured loan of $150,000 over a term of 25 years.

WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers or loan offset accounts, are not included in the comparison rate, but may influence the cost of the loan.

 

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Buying a property is one of the biggest commitments you’ll ever make. At Bank of us we are here to help. Can't wait? You can contact us straight away on 1300 306 716.

We are ready to help. Call us for a chat today!

Standard interest rates

Effective 1 November 2017

Account TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.09% - 3.82%
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.19% - 3.89%
Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
- 4.09% 4.11%
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.59% - 4.15%
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.49% - 4.18%
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
4.69% - 4.26%
Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
- 4.19% 4.23%
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.69% - 4.27%
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.59% - 4.30%
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
4.79% - 4.38%

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