Standard Prime Variable for owner-occupiers — refinance with confidence and keep more in your pocket.
OO P&I · ≤ 70% LVR
Comparison rate 6.44% p.a.*
Competitive variable rates for owner-occupiers with a 100% offset account on every split.
Zero application fee with straightforward eligibility. Suitable for borrowers with a clear credit history.
Borrow up to $3.5 million for metro and inner-city properties. Interest Only available up to 5 years.
Loans up to $3.5m · New lending only · Rates correct as at 23 March 2026
| Purpose | Max LVR | Variable Rate | Comparison Rate* |
|---|---|---|---|
| OO P&I | ≤ 70% | 5.94%Best | 6.44% |
| OO P&I | ≤ 80% | 6.04% | 6.54% |
| OO IO | ≤ 70% | 6.34% | 6.84% |
| OO IO | ≤ 80% | 6.44% | 6.94% |
*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 monthly repayment — for illustration only.
Estimated monthly repayment (P&I)
$3,574
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
$4,434
7.50% p.a. · 25 yrs
Easy Refi Variable monthly
$3,844
5.94% p.a. · 25 yrs
Your estimated savings
For illustrative purposes only. Does not constitute financial advice. Seek professional advice before refinancing.
Unacceptable Postcodes
NSW — 2747 | QLD — 4183
| LVR | Metro | Inner City | Regional |
|---|---|---|---|
| ≤ 70% | $3.5m | $3.5m | $2.0m |
| 70.01–80% | $3.5m | $3.5m | $1.5m |
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