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Home Loans | Rates for new lending

Effective 23 Apr 2026

FlexiDiscount Home Loan

Featured:

LVR ≤60%

5.84 %p.a. Variable

5.86%p.a. Comparison Rate^#

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Loan Type	Interest Rate	Comparison Rate#
LVR ≤60%
Variable	5.84% p.a.	5.86% p.a. ^#
1 year fixed	6.34% p.a.	5.91% p.a. ^#
2 years fixed	6.34% p.a.	5.96% p.a. ^#
3 years fixed	6.39% p.a.	6.02% p.a. ^#
4 years fixed	6.49% p.a.	6.10% p.a. ^#
5 years fixed	6.69% p.a.	6.24% p.a. ^#
LVR >60% ≤70%
Variable	5.89% p.a.	5.91% p.a. ^#
1 year fixed	6.34% p.a.	5.96% p.a. ^#
2 years fixed	6.34% p.a.	6.00% p.a. ^#
3 years fixed	6.39% p.a.	6.06% p.a. ^#
4 years fixed	6.49% p.a.	6.13% p.a. ^#
5 years fixed	6.69% p.a.	6.27% p.a. ^#
LVR > 70% ≤80%
Variable	5.89% p.a.	5.91% p.a. ^#
1 year fixed	6.39% p.a.	5.96% p.a. ^#
2 years fixed	6.39% p.a.	6.01% p.a. ^#
3 years fixed	6.44% p.a.	6.07% p.a. ^#
4 years fixed	6.54% p.a.	6.15% p.a. ^#
5 years fixed	6.74% p.a.	6.29% p.a. ^#
LVR >80% ≤90%
Variable	6.19% p.a.	6.23% p.a. ^#
1 year fixed	6.54% p.a.	6.27% p.a. ^#
2 years fixed	6.54% p.a.	6.30% p.a. ^#
3 years fixed	6.69% p.a.	6.38% p.a. ^#
4 years fixed	6.69% p.a.	6.42% p.a. ^#
5 years fixed	6.89% p.a.	6.54% p.a. ^#
LVR >90%
Variable	6.84% p.a.	6.91% p.a. ^#
1 year fixed	6.64% p.a.	6.89% p.a. ^#
2 years fixed	6.64% p.a.	6.87% p.a. ^#
3 years fixed	6.79% p.a.	6.89% p.a. ^#
4 years fixed	6.79% p.a.	6.89% p.a. ^#
5 years fixed	6.99% p.a.	6.98% p.a. ^#

FlexiDiscount Home Loan Fixed Rate

Featured:

LVR ≤60%

6.34 %p.a. 2 year Fixed Rate

5.96%p.a. Comparison Rate^#

Loan Type	Interest Rate	Comparison Rate#
LVR ≤60%
2 year Fixed Rate	6.34% p.a.	5.96% p.a. ^#

FlexiDiscount Australian Government 5% Deposit Scheme+

Featured:

LVR >80% ≤90%

5.89 %p.a. Variable

5.93%p.a. Comparison Rate^#

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Loan Type	Interest Rate	Comparison Rate#
LVR >80% ≤90%
Variable	5.89% p.a.	5.93% p.a. ^#
1 year fixed	6.54% p.a.	6.00% p.a. ^#
2 years fixed	6.54% p.a.	6.06% p.a. ^#
3 years fixed	6.69% p.a.	6.16% p.a. ^#
4 years fixed	6.69% p.a.	6.23% p.a. ^#
5 years fixed	6.89% p.a.	6.38% p.a. ^#
LVR >90%
Variable	5.89% p.a.	5.96% p.a. ^#
1 year fixed	6.64% p.a.	6.03% p.a. ^#
2 years fixed	6.64% p.a.	6.10% p.a. ^#
3 years fixed	6.79% p.a.	6.21% p.a. ^#
4 years fixed	6.79% p.a.	6.29% p.a. ^#
5 years fixed	6.99% p.a.	6.44% p.a. ^#

FlexiChoice MyHome Home Loan++

Featured:

LVR≤80%

6.61 %p.a. Variable

6.82%p.a. Comparison Rate^#

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Loan Type	Interest Rate	Comparison Rate#
LVR≤80%
Variable	6.61% p.a.	6.82% p.a. ^#
1 year fixed	6.99% p.a.	6.86% p.a. ^#
2 years fixed	6.99% p.a.	6.90% p.a. ^#
3 years fixed	7.04% p.a.	6.95% p.a. ^#
4 years fixed	7.14% p.a.	7.02% p.a. ^#
5 years fixed	7.34% p.a.	7.15% p.a. ^#

Topline Home Loan

Featured:

LVR ≤80%

5.94 %p.a. Variable

5.96%p.a. Comparison Rate^#

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Loan Type	Interest Rate	Comparison Rate#
LVR ≤80%
Variable	5.94% p.a.	5.96% p.a. ^#
LVR >80% ≤90%
Variable	6.24% p.a.	6.28% p.a. ^#
LVR >90%
Variable	6.89% p.a.	6.96% p.a. ^#

FlexiLine

Featured:

LVR≤80%

8.61 %p.a. Variable

8.74%p.a. Comparison Rate

Loan Type	Interest Rate	Comparison Rate#
LVR≤80%
Variable	8.61% p.a.	8.74% p.a.

Home Loan Reference Rate

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Loan Type	Interest Rate	Comparison Rate#
Home Loan Variable Rate	8.61% p.a.

Residential Investment Loans | Rates for new lending

Effective 23 Apr 2026

Topline Investment Loan

Featured:

LVR ≤80%

6.09 %p.a. Variable

6.11%p.a. Comparison Rate^#

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Loan Type	Interest Rate	Comparison Rate#
LVR ≤80%
Variable	6.09% p.a.	6.11% p.a. ^#
LVR >80% ≤90%
Variable	6.49% p.a.	6.56% p.a. ^#
LVR >90%
Variable	7.19% p.a.	7.28% p.a. ^#

FlexiChoice Investment Loan

Featured:

LVR ≤60%

6.04 %p.a. Variable

6.06%p.a. Comparison Rate#

Loan Type	Interest Rate	Comparison Rate#
LVR ≤60%
Variable	6.04% p.a.	6.06% p.a. #

FlexiChoice Fixed Rate

Featured:

LVR ≤60%

6.44 %p.a. 2 years fixed

6.14%p.a. Comparison Rate^#

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Loan Type	Interest Rate	Comparison Rate#
LVR ≤60%
Variable	6.04% p.a.	6.06% p.a. ^#
1 year fixed	6.44% p.a.	6.10% p.a. ^#
2 years fixed	6.44% p.a.	6.14% p.a. ^#
3 years fixed	6.49% p.a.	6.19% p.a. ^#
4 years fixed	6.59% p.a.	6.27% p.a. ^#
5 years fixed	6.79% p.a.	6.40% p.a. ^#
LVR >60 ≤70%
Variable	6.04% p.a.	6.06% p.a. ^#
1 year fixed	6.44% p.a.	6.10% p.a. ^#
2 years fixed	6.44% p.a.	6.14% p.a. ^#
3 years fixed	6.49% p.a.	6.19% p.a. ^#
4 years fixed	6.59% p.a.	6.27% p.a. ^#
5 years fixed	6.79% p.a.	6.40% p.a. ^#
LVR > 70% ≤80%
Variable	6.04% p.a.	6.06% p.a. ^#
1 year fixed	6.49% p.a.	6.11% p.a. ^#
2 years fixed	6.49% p.a.	6.15% p.a. ^#
3 years fixed	6.54% p.a.	6.21% p.a. ^#
4 years fixed	6.64% p.a.	6.28% p.a. ^#
5 year fixed	6.84% p.a.	6.42% p.a. ^#
LVR >80% ≤90%
Variable	6.44% p.a.	6.51% p.a. ^#
1 year fixed	6.64% p.a.	6.53% p.a. ^#
2 years fixed	6.64% p.a.	6.55% p.a. ^#
3 years fixed	6.79% p.a.	6.61% p.a. ^#
4 years fixed	6.79% p.a.	6.64% p.a. ^#
5 years fixed	6.99% p.a.	6.75% p.a. ^#
LVR >90%
Variable	7.14% p.a.	7.23% p.a. ^#
1 year fixed	6.74% p.a.	7.19% p.a. ^#
2 years fixed	6.74% p.a.	7.15% p.a. ^#
3 years fixed	6.89% p.a.	7.16% p.a. ^#
4 years fixed	6.89% p.a.	7.14% p.a. ^#
5 years fixed	7.09% p.a.	7.21% p.a. ^#

Residential Investment Loan Reference Rate

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Loan Type	Interest Rate	Comparison Rate#
Residential Investment Loan Variable Rate	9.06% p.a.

The small, small print

Bank of us lending criteria, terms and conditions, including fees and charges apply. Full details are available on application. The rates provided above are for new lending only and are subject to change.

++This product is suitable for retail customers who satisfy the applicant eligibility criteria of the Tasmanian Government’s MyHome Shared Equity Program. For more information see our MyHome webpage

+The Australian Government 5% Deposit Scheme is an Australian Government initiative to support eligible home buyers purchase a home sooner. For more information see our Home Guarantee Scheme webpage.

#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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Bank of us acknowledges and pays respect to the palawa - Tasmanian Aboriginal people - as the traditional owners of all the lands and waters. And we pay our respects to Elders past, present and emerging for they hold the knowledge, memories and culture of Aboriginal people in lutruwita/ Tasmania.