Variable home loan
It’ll get you moving
Home Loan special – Owner occupied and investment purposes
Owner occupied purposes
Variable home loans
Investment purposes
Simple
With no monthly or annual fees, our Street Smart variable home loan offers simple value for purchases and refinances1.
Flexible
Make extra repayments, access to redraw and pay out early without penalty. Plus a 100% offset account at no extra cost.
Fair
Whether you’re borrowing for the home you live in or an investment, you can access the same rate for principal and interest repayments.
Features and benefits
$0
Monthly fee
No ongoing monthly fees to keep things simple.
$0
Annual fee
No recurring annual fees to remember.
$500
Application fee
Includes standard valuation & legal fees. 2
$0
Online redraw
Redraw funds in advance via Internet Banking.
100%
Offset account
You can have up to two offset accounts per loan (or split loan) at no extra cost.
30
Years
Spread your repayments over terms up to 30 years.
$50,000
Min loan amount
The minimum loan amount for new loans.
80%
Maximum LVR
You can borrow up to 80% of the property value.
How to apply
You can apply online or give us a call – one of our Mortgage Specialists will be in touch.
Calculate your repayments
Using our home loan repayment calculator, you can estimate what your repayments will be and how much interest would be payable for different amounts and terms. To make comparing loans easy, you can also access the Home Loan Key Facts Sheet available at the bottom of this page.
Find out more
Supplying your Bank Statements
As part of your supporting documentation for your home loan application, we will require a copy of your transaction listing for the bank account your income is deposited to. This must be supplied via our Bank Statements service.
More >
How an offset works
A quick overview of exactly how an offset account works so you can take advantage of one.
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Buying a property?
No one likes surprises. Here’s our top tips on what to ask the agent before buying a home.
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Access your equity
Did you know that unlocking your equity can improve your lifestyle and your wealth?
Read moreCredit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is for new loans funded from 04/06/26 and switches – rates are subject to change without notice. Construction loans are excluded.
2 Additional valuation fees and government charges may apply.
3 Offer Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Offer commences 22/06/26 and is for eligible applications submitted by 14/08/26 and funded by 14/11/26 and can be withdrawn or changed at any time. Offer is available on Street Smart Variable home loans for new owner occupier and investor principal and interest loans with a minimum balance of $50,000 or for internal loan increases including at least $50,000 of new funds. Acceptable purposes are residential property purchase and refinance; pre-approvals and construction loans are excluded from the offer. Application fee includes one standard valuation fee and legal fees for one security property. Valuation for non-standard and additional securities will be charged at cost and could incur additional legal fees. Government charges apply. Your interest rate is a variable interest rate and may change prior to funding and during the term of the loan. Government charges or exit costs may be incurred when refinancing from your existing lender.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.