Home Loans | Rates for new lending

Effective 19 Feb 2026

FlexiDiscount Home Loan
Featured:
LVR ≤60%
5.52 %p.a. Variable
5.54%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤60%
Variable 5.52% p.a. 5.54% p.a. #
1 year fixed 5.54% p.a. 5.55% p.a. #
2 years fixed 5.49% p.a. 5.54% p.a. #
3 years fixed 5.64% p.a. 5.58% p.a. #
4 years fixed 5.89% p.a. 5.68% p.a. #
5 years fixed 5.89% p.a. 5.70% p.a. #
LVR >60% ≤70%
Variable 5.59% p.a. 5.61% p.a. #
1 year fixed 5.54% p.a. 5.61% p.a. #
2 years fixed 5.49% p.a. 5.59% p.a. #
3 years fixed 5.64% p.a. 5.63% p.a. #
4 years fixed 5.89% p.a. 5.72% p.a. #
5 years fixed 5.89% p.a. 5.74% p.a. #
LVR > 70% ≤80%
Variable 5.64% p.a. 5.66% p.a. #
1 year fixed 5.64% p.a. 5.66% p.a. #
2 years fixed 5.54% p.a. 5.64% p.a. #
3 years fixed 5.69% p.a. 5.68% p.a. #
4 years fixed 5.99% p.a. 5.79% p.a. #
5 years fixed 5.99% p.a. 5.82% p.a. #
LVR >80% ≤90%
Variable 5.94% p.a. 5.98% p.a. #
1 year fixed 5.89% p.a. 5.98% p.a. #
2 years fixed 5.84% p.a. 5.96% p.a. #
3 years fixed 5.84% p.a. 5.96% p.a. #
4 years fixed 6.09% p.a. 6.04% p.a. #
5 years fixed 6.09% p.a. 6.05% p.a. #
LVR >90%
Variable 6.64% p.a. 6.71% p.a. #
1 year fixed 5.99% p.a. 6.64% p.a. #
2 years fixed 5.89% p.a. 6.56% p.a. #
3 years fixed 5.94% p.a. 6.51% p.a. #
4 years fixed 6.29% p.a. 6.58% p.a. #
5 years fixed 6.29% p.a. 6.55% p.a. #
FlexiDiscount Home Loan Fixed Rate
Featured:
LVR ≤60%
5.49 %p.a. 2 year Fixed Rate
5.54%p.a. Comparison Rate#
Loan Type Interest Rate Comparison Rate#
LVR ≤60%
2 year Fixed Rate 5.49% p.a. 5.54% p.a. #
FlexiDiscount Australian Government 5% Deposit Scheme
Featured:
LVR >80% ≤90%
5.64 %p.a. Variable
5.68%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR >80% ≤90%
Variable 5.64% p.a. 5.68% p.a. #
1 year fixed 5.89% p.a. 5.71% p.a. #
2 years fixed 5.84% p.a. 5.72% p.a. #
3 years fixed 5.84% p.a. 5.74% p.a. #
4 years fixed 6.09% p.a. 5.84% p.a. #
5 years fixed 6.09% p.a. 5.88% p.a. #
LVR >90%
Variable 5.64% p.a. 5.71% p.a. #
1 year fixed 5.99% p.a. 5.74% p.a. #
2 years fixed 5.89% p.a. 5.75% p.a. #
3 years fixed 5.94% p.a. 5.79% p.a. #
4 years fixed 6.29% p.a. 5.94% p.a. #
5 years fixed 6.29% p.a. 5.99% p.a. #
FlexiChoice MyHome Home Loan++
Featured:
LVR≤80%
6.36 %p.a. Variable
6.57%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR≤80%
Variable 6.36% p.a. 6.57% p.a. #
1 year fixed 5.89% p.a. 6.52% p.a. #
2 years fixed 5.79% p.a. 6.46% p.a. #
3 years fixed 5.94% p.a. 6.45% p.a. #
4 years fixed 6.24% p.a. 6.53% p.a. #
5 years fixed 6.24% p.a. 6.52% p.a. #
Topline Home Loan
Featured:
LVR ≤80%
5.69 %p.a. Variable
5.71%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤80%
Variable 5.69% p.a. 5.71% p.a. #
LVR >80% ≤90%
Variable 5.99% p.a. 6.03% p.a. #
LVR >90%
Variable 6.69% p.a. 6.76% p.a. #
FlexiLine
Featured:
LVR≤80%
8.36 %p.a. Variable
8.49%p.a. Comparison Rate
Loan Type Interest Rate Comparison Rate#
LVR≤80%
Variable 8.36% p.a. 8.49% p.a.
Home Loan Reference Rate
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Loan Type Interest Rate Comparison Rate#
Home Loan Variable Rate 8.36% p.a.

Residential Investment Loans | Rates for new lending

Effective 19 Feb 2026

Topline Investment Loan
Featured:
LVR ≤80%
5.84 %p.a. Variable
5.86%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤80%
Variable 5.84% p.a. 5.86% p.a. #
LVR >80% ≤90%
Variable 6.24% p.a. 6.34% p.a. #
LVR >90%
Variable 6.94% p.a. 7.05% p.a. #
FlexiChoice Fixed Rate
Featured:
LVR ≤60%
5.74 %p.a. Variable
5.76%p.a. Comparison Rate#
Loan Type Interest Rate Comparison Rate#
LVR ≤60%
Variable 5.74% p.a. 5.76% p.a. #
FlexiChoice Investment Loan
Featured:
LVR ≤60%
5.69 %p.a. 2 years fixed
5.75%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤60%
Variable 5.74% p.a. 5.76% p.a. #
1 year fixed 5.69% p.a. 5.76% p.a. #
2 years fixed 5.69% p.a. 5.75% p.a. #
3 years fixed 5.79% p.a. 5.78% p.a. #
4 years fixed 6.09% p.a. 5.89% p.a. #
5 years fixed 6.09% p.a. 5.92% p.a. #
LVR >60 ≤70%
Variable 5.79% p.a. 5.81% p.a. #
1 year fixed 5.69% p.a. 5.80% p.a. #
2 years fixed 5.69% p.a. 5.80% p.a. #
3 years fixed 5.79% p.a. 5.81% p.a. #
4 years fixed 6.09% p.a. 5.92% p.a. #
5 years fixed 6.09% p.a. 5.94% p.a. #
LVR > 70% ≤80%
Variable 5.79% p.a. 5.81% p.a. #
1 year fixed 5.79% p.a. 5.81% p.a. #
2 years fixed 5.79% p.a. 5.81% p.a. #
3 years fixed 5.89% p.a. 5.84% p.a. #
4 years fixed 6.19% p.a. 5.96% p.a. #
5 year fixed 6.19% p.a. 5.99% p.a. #
LVR >80% ≤90%
Variable 6.19% p.a. 6.29% p.a. #
1 year fixed 6.09% p.a. 6.28% p.a. #
2 years fixed 5.99% p.a. 6.25% p.a. #
3 years fixed 6.09% p.a. 6.26% p.a. #
4 years fixed 6.29% p.a. 6.33% p.a. #
5 years fixed 6.29% p.a. 6.34% p.a. #
LVR >90%
Variable 6.89% p.a. 7.00% p.a. #
1 year fixed 6.19% p.a. 6.92% p.a. #
2 years fixed 6.09% p.a. 6.83% p.a. #
3 years fixed 6.19% p.a. 6.79% p.a. #
4 years fixed 6.39% p.a. 6.81% p.a. #
5 years fixed 6.39% p.a. 6.77% p.a. #
Residential Investment Loan Reference Rate
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Loan Type Interest Rate Comparison Rate#
Residential Investment Loan Variable Rate 8.81% p.a.