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.
Home Loans
FlexiDiscount Home Loan
2.93
p.a.^
Variable
2.97
p.a.#
Comparison rate
up to 90% property value.
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.
2.93
p.a.*
Variable
2.95
p.a.#
Comparison rate
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.
3.68
p.a.*
Variable
3.70
p.a.#
Comparison rate
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).
4.61
p.a.
Variable
FlexiDiscount First Home Loan Deposit Scheme Rate Specials+
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%
2.78
p.a.
Variable
2.84
p.a.#
Comparison rate
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.
3.23
p.a.
2 years fixed
4.88
p.a.#
Comparison rate
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?
3.43
p.a.*
Variable++
3.47
p.a.#
Comparison rate
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.
5.06
p.a.
Variable
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
View Terms and Conditions
Things you need to know:
The results from this calculator should be used as a guide only and do not represent an offer of credit. Any subsequent loan applications are subject to Bank of us' credit assessment criteria.
Terms and conditions including fees and charges apply. Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application. Interest rates are also subject to change without notice.
#The comparison rates for Home loans 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.
Calculator Information
The Loan Repayments Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate.
Calculator Assumptions
Length of Month
All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependent on the number of days in the particular month.
Number of Weeks & Fortnights in a Year
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.
Rounding of Amount of Each Repayment
In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts.
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.
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.
^Interest rate for loans up to 90% of property value.
*Interest rate for loans up to 80% of property value.
+For eligible First Home Loan Deposit Scheme applications only. Available for new lending only.
++Limited time offer available for new lending.
Bank of us reserves the right to withdraw or alter these offers at any time.
#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.
Bank of us is a trading name of B&E Ltd
ABN: 32 087 652 088
AFSL & Australian Credit Licence: 236870
BSB: 632 001
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