Home Loans

FlexiDiscount Home Loan

1.99 p.a.*

2 years fixed

2.43 p.a.#

Comparison rate

Our home loans have

  • Competitive low rates
  • No application or ongoing fees and
  • Plenty of options to make managing your loan super-easy.

And if it’s an investment loan you’re after, we can help with that too!

Home Loans

FlexiDiscount Home Loan

An uncomplicated loan with a variable rate or fixed rates from 1 to 3 years? Yes please!

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

Topline Home Loan

Great rate ✔ Offset Account ✔ Fee-free banking ✔

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

Flexiline Home Loan

Tap into the equity you've built up in your home to renovate, invest or to use for another worthwhile purpose.

FlexiLine gives you a ready source of funds up to an agreed limit (Secured by a registered first mortgage over your residential property).

FlexiDiscount First Home Loan Deposit Scheme

Bank of us is proud to have been selected to participate in the Australian Government's First Home Loan Deposit Scheme.

To apply for the scheme, make an appointment with a Bank of us Home Finance Specialist online, over the phone or by popping into your local Retail Store.

For property value up to 95%

Investment Loans

FlexiChoice Loan

A loan with flexibility and choice …it’s FlexiChoice!

FlexiChoice is the bomb, if you want a residential investment loan. Variable or Fixed – you choose. What about interest only? Of course, you can. It’s called FlexiChoice for a reason.

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?

Flexiline Loan

Got equity? It’s time to get busy!

Tap into the equity you’ve built up in your home to renovate, invest or use for something else worthwhile. FlexiLine gives you a ready source of funds up to an agreed amount (secured by a registered first mortgage over your residential property). There is an interest only option, too.

Making sure you're covered

How great is it owning your own home? No more worrying about renting (or mum and dad invading your personal space) and you can build wealth over time as your property's value increases.

Read more

Want to crunch some numbers?

Calculate Repayments Borrowing Power

I would like to borrow...

over , making repayments.
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.


The small, small print:

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.