Standard Prime Variable — refinance your home loan and start saving from day one.
Owner Occupied · ≤ 70% LVR
Comparison rate 6.05% p.a.*
Competitive variable rates for owner-occupiers and investors, with a 100% offset account included.
Zero application fee. Straightforward eligibility criteria designed for borrowers with a clear credit history.
Borrow up to $3.5 million for metro and inner-city properties. Cash-out available up to $50,000 or 3% of security value.
Loans up to $3.5m · New lending only · Rates correct as at 23 March 2026
| Purpose | Max LVR | Variable Rate | Comparison Rate* |
|---|---|---|---|
| Owner Occupied | ≤ 70% | 5.94%Best | 6.05% |
| Owner Occupied | ≤ 80% | 6.04% | 6.15% |
| Investment | ≤ 70% | 6.24% | 6.74% |
| Investment | ≤ 80% | 6.34% | 6.84% |
*Comparison rate based on a $150,000 loan over 25 years P&I. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates.
Estimate your new monthly repayment — for illustration only.
Estimated monthly repayment (P&I)
$2,978
This is an estimate only. Actual repayments may vary. Seek professional financial advice before making any decisions.
See how much you could save by switching to Easy Refi Variable. Enter your current loan details below.
Same as current balance
Click a rate above to auto-fill
Current monthly repayment
$3,695
7.50% p.a. · 25 yrs
Easy Refi monthly repayment
$3,203
5.94% p.a. · 25 yrs
Your estimated savings
This comparison is for illustrative purposes only and does not constitute financial advice. Actual savings will depend on your individual circumstances, fees, and lender assessment. Seek professional advice before refinancing.
Minimum Loan
$50,000
Loan Term
5 to 30 years (60 – 360 months)
Maximum Exposure
$10m aggregate per borrower; $3.5m per individual loan
Interest Only
Up to 5 years (+0.40% p.a.); monthly repayments only. Owner Occupied IO limited to 50% of total loan secured against PPR.
Cash Out
Up to $50,000 or 3% of security value (whichever is higher). Verified income must cover new loan as P&I incl. refinance amount + cash out. No cash out on IO loans.
Offset Account
100% offset included with each loan split.
Unacceptable Postcodes
NSW — 2747 | QLD — 4183
| LVR | Metro / Non-Metro | Inner City | Regional |
|---|---|---|---|
| ≤ 70% | $3.5m | $3.5m | $3.0m |
| 70.01% – 80% | $3.5m | $3.5m | $2.0m |
Click to view full fee schedule.
Ready to refinance and start saving? Fill in your details and Atish will be in touch within one business day to discuss your options.