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Home Loans

FlexiDiscount Home Loan Variable Rate

A home loan perfect for you!

If you want a home loan with great pricing and flexibility, but without the need for an offset account, then our FlexiDiscount Home Loan with a variable rate is perfect for you.

FlexiDiscount Fixed Rate Home Loan

An uncomplicated loan with a fixed rate? Yes please!

If you want a home loan with great pricing and some flexibility, but without the need for an offset account, then our FlexiDiscount Home Loan is the loan for you.

Topline Home Loan

Great rate ✔ Offset Account ✔ Fee-free banking ✔

Get a loan that is yoga-flexible and chock full of features that let you manage your loan the way you want to and, most importantly, help you save money while achieving your goals.

Ways to own your own home sooner

If owning your own home seems out of reach, all is not lost.

Whether you're a first home buyer, or you’ve been stuck on the rental treadmill or you’re simply struggling to put together a deposit to get a loan, there are schemes and programs you can access that can help you into your own home sooner.

Investment Loans

FlexiChoice Loan Fixed Rate

Get peace of mind with a great fixed rate.

FlexiChoice with a fixed rate is the perfect loan for you. Secure that investment property you've been eyeing off, with the certainty of knowing exactly how much your repayments will be. 

FlexiChoice Loan Variable Rate

It's called FlexiChoice for a reason.

If you're after a residential investment loan with a great variable rate – then FlexiChoice was made for you! In the spirit of flexibility, there's even an interest only option!

Topline Loan

Get a loan that is yoga-flexible and with discounts that reward you.

Same great Topline Home Loan features but with the added extra of an Interest only option. Bam. What’s not to like?

Making sure you're covered

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Choose Bank of us product and estimated loan to valuation ratio (LVR):
based on your selection, your interest rate will be:

The small, small print:
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas.

Use our online form to generate a Key Facts Sheet PDF which you can use to compare our home loans against a competitor's loans.


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

*Interest rate for loans up to 80% of property value.

#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.