Home Loans | Rates for new lending

Effective 16 Sept 2025

FlexiDiscount Home Loan
Featured:
LVR ≤60%
5.27 %p.a. Variable
5.29%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤60%
Variable 5.27% p.a. 5.29% p.a. #
1 year fixed 5.29% p.a. 5.31% p.a. #
2 years fixed 5.19% p.a. 5.29% p.a. #
3 years fixed 5.29% p.a. 5.31% p.a. #
4 years fixed 5.69% p.a. 5.46% p.a. #
5 years fixed 5.69% p.a. 5.49% p.a. #
LVR >60% ≤70%
Variable 5.34% p.a. 5.36% p.a. #
1 year fixed 5.29% p.a. 5.36% p.a. #
2 years fixed 5.19% p.a. 5.34% p.a. #
3 years fixed 5.29% p.a. 5.35% p.a. #
4 years fixed 5.69% p.a. 5.49% p.a. #
5 years fixed 5.69% p.a. 5.51% p.a. #
LVR > 70% ≤80%
Variable 5.39% p.a. 5.41% p.a. #
1 year fixed 5.39% p.a. 5.46% p.a. #
2 years fixed 5.19% p.a. 5.42% p.a. #
3 years fixed 5.39% p.a. 5.45% p.a. #
4 years fixed 5.79% p.a. 5.59% p.a. #
5 years fixed 5.79% p.a. 5.61% p.a. #
LVR >80% ≤90%
Variable 5.74% p.a. 5.78% p.a. #
1 year fixed 5.59% p.a. 5.77% p.a. #
2 years fixed 5.39% p.a. 5.72% p.a. #
3 years fixed 5.49% p.a. 5.94% p.a. #
4 years fixed 5.89% p.a. 5.84% p.a. #
5 years fixed 5.89% p.a. 5.85% p.a. #
LVR >90%
Variable 6.39% p.a. 6.46% p.a. #
1 year fixed 5.79% p.a. 6.40% p.a. #
2 years fixed 5.69% p.a. 6.32% p.a. #
3 years fixed 5.79% p.a. 6.29% p.a. #
4 years fixed 6.09% p.a. 6.35% p.a. #
5 years fixed 6.09% p.a. 6.33% p.a. #
FlexiDiscount Home Loan Fixed Rate
Featured:
LVR ≤80%
5.19 %p.a. 2 year Fixed Rate
5.42%p.a. Comparison Rate#
Loan Type Interest Rate Comparison Rate#
LVR ≤80%
2 year Fixed Rate 5.19% p.a. 5.42% p.a. #
FlexiDiscount Australian Government 5% Deposit Scheme
Featured:
LVR >80% ≤90%
5.39 %p.a. Variable
5.43%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR >80% ≤90%
Variable 5.39% p.a. 5.43% p.a. #
1 year fixed 5.59% p.a. 5.45% p.a. #
2 years fixed 5.39% p.a. 5.43% p.a. #
3 years fixed 5.49% p.a. 5.46% p.a. #
4 years fixed 5.89% p.a. 5.61% p.a. #
5 years fixed 5.89% p.a. 5.65% p.a. #
LVR >90%
Variable 5.39% p.a. 5.46% p.a. #
1 year fixed 5.79% p.a. 5.49% p.a. #
2 years fixed 5.69% p.a. 5.51% p.a. #
3 years fixed 5.79% p.a. 5.57% p.a. #
4 years fixed 6.09% p.a. 5.71% p.a. #
5 years fixed 6.09% p.a. 5.76% p.a. #
FlexiChoice MyHome Home Loan++
Featured:
LVR≤80%
6.11 %p.a. Variable
6.32%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR≤80%
Variable 6.11% p.a. 6.32% p.a. #
1 year fixed 5.64% p.a. 6.27% p.a. #
2 years fixed 5.44% p.a. 6.19% p.a. #
3 years fixed 5.64% p.a. 6.19% p.a. #
Topline Home Loan
Featured:
LVR ≤80%
5.49 %p.a. Variable
5.51%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤80%
Variable 5.49% p.a. 5.51% p.a. #
LVR >80% ≤90%
Variable 5.94% p.a. 5.98% p.a. #
LVR >90%
Variable 6.59% p.a. 6.66% p.a. #
FlexiLine
Featured:
LVR≤80%
8.11 %p.a. Variable
8.24%p.a. Comparison Rate
Loan Type Interest Rate Comparison Rate#
LVR≤80%
Variable 8.11% p.a. 8.24% p.a.
Home Loan Reference Rate
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Loan Type Interest Rate Comparison Rate#
Home Loan Variable Rate 8.11% p.a.

Residential Investment Loans | Rates for new lending

Effective 16 Sept 2025

Topline Investment 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 6.14% p.a. 6.21% p.a. #
LVR >90%
Variable 6.69% p.a. 6.78% p.a. #
FlexiChoice Investment Loan
Featured:
LVR ≤60%
5.49 %p.a. Variable
5.51%p.a. Comparison Rate#
Loan Type Interest Rate Comparison Rate#
LVR ≤60%
Variable 5.49% p.a. 5.51% p.a. #
FlexiChoice Fixed Rate
Featured:
LVR ≤60%
5.49 %p.a. Variable
5.51%p.a. Comparison Rate#
Featured:
LVR ≤60%
5.34 %p.a. 2 years fixed
5.49%p.a. Comparison Rate#
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Loan Type Interest Rate Comparison Rate#
LVR ≤60%
Variable 5.49% p.a. 5.51% p.a. #
1 year fixed 5.44% p.a. 5.51% p.a. #
2 years fixed 5.34% p.a. 5.49% p.a. #
3 years fixed 5.49% p.a. 5.51% p.a. #
4 years fixed 5.89% p.a. 5.66% p.a. #
5 years fixed 5.94% p.a. 5.66% p.a. #
LVR >60 ≤70%
Variable 5.59% p.a. 5.61% p.a. #
1 year fixed 5.44% p.a. 5.60% p.a. #
2 years fixed 5.34% p.a. 5.57% p.a. #
3 years fixed 5.49% p.a. 5.59% p.a. #
4 years fixed 5.89% p.a. 5.72% p.a. #
5 years fixed 5.94% p.a. 5.77% p.a. #
LVR > 70% ≤80%
Variable 5.64% p.a. 5.66% p.a. #
1 year fixed 5.54% p.a. 5.65% p.a. #
2 years fixed 5.44% p.a. 5.63% p.a. #
3 years fixed 5.54% p.a. 5.64% p.a. #
4 years fixed 5.89% p.a. 5.75% p.a. #
5 year fixed 5.99% p.a. 5.82% p.a. #
LVR >80% ≤90%
Variable 6.09% p.a. 6.16% p.a. #
1 year fixed 5.89% p.a. 6.14% p.a. #
2 years fixed 5.59% p.a. 6.06% p.a. #
3 years fixed 5.69% p.a. 6.04% p.a. #
4 years fixed 5.99% p.a. 6.12% p.a. #
5 years fixed 6.09% p.a. 6.16% p.a. #
LVR >90%
Variable 6.64% p.a. 6.73% p.a. #
1 year fixed 6.09% p.a. 6.72% p.a. #
2 years fixed 5.79% p.a. 6.60% p.a. #
3 years fixed 5.89% p.a. 6.55% p.a. #
4 years fixed 6.19% p.a. 6.60% p.a. #
5 years fixed 6.29% p.a. 6.60% p.a. #
Residential Investment Loan Reference Rate
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Loan Type Interest Rate Comparison Rate#
Residential Investment Loan Variable Rate 8.56% p.a.