Homeloans FlexiChoice Prime


Up to 95% LVR for purchases

The Homeloans FlexiChoice is available up to 95% LVR for owner-occupied purchases (rate adjustment applies).

No genuine savings required

Available without the need to demonstrate genuine savings as part of your deposit, which may be in the form of a gift of First Home Owners Grant (FHOG). Rate adjustment may apply.

100% Offset available

The offset account linked to your loan enables you to reduce your interest charges by making extra repayments. You can withdraw your extra repayments at any time.

Flexible repayment options

Repayments can be made monthly, fortnightly or weekly. Additional repayments and redraw are also permissible.

Principal & Interest or Interest Only (genuine savings only)

Repayments can be Principal & Interest or, on loans with genuine savings, Interest Only up to 10 years.

Features shown apply to Full Doc term loans. Credit criteria and features may vary for Alt Doc loans and/or Lines of Credit.
Please note that rate adjustments or fees may apply to some scenarios.

Interest Rates

Homeloans FlexiChoice Prime Variable Rates - Genuine Savings

Loan ProPack ($345 Annual Fee) Standard (No Annual Fee)
LVR Owner Occupier Investment Owner Occupier Investment
LVR up to 80% 3.84%pa 4.44%pa 3.94%pa 4.54%pa
(Comparison Rate) (4.22%pa) (4.81%pa) (3.98%pa) (4.57%pa)
LVR 80.01% - 90% 4.04%pa 4.64%pa 4.14%pa 4.74%pa
(Comparison Rate) (4.42%pa) (5.01%pa) (4.18%pa) (4.77%pa)
LVR over 90% 4.24%pa 4.84%pa 4.34%pa 4.94%pa
(Comparison Rate) (4.61%pa) (5.20%pa) (4.37%pa) (4.97%pa)

Homeloans FlexiChoice Prime Variable Rates - Owner Occupier, Non-Genuine Savings

Interest Rate Comparison Rate
Non-Genuine Savings loans (up to 95% LVR) 4.74%pa 4.77%pa

Homeloans FlexiChoice Prime 3 year Fixed Rates - Owner Occupier

LVR 3-year Fixed Rate Comparison Rate
LVR Up to 80% 4.59%pa 4.42%pa
LVR 80.01% - 90% 4.79%pa 4.62%pa
LVR 90.01% – 95% 4.99%pa 4.81%pa

Homeloans FlexiChoice Prime 3 year Fixed Rates - Investment

LVR 3-year Fixed Rate Comparison Rate
LVR Up to 80% 5.09%pa 4.98%pa
LVR 80.01% - 90% 5.29%pa 5.18%pa
LVR 90.01% – 95% 5.49%pa 5.38%pa

Alt Doc Interest Rates

Homeloans FlexiChoice Prime Alt Doc Rates

Homeloans FlexiChoice Prime Alt Doc Owner Occupier Investment
LVR Interest Rate Comparison Rate Interest Rate Comparison Rate
LVR up to 70% 4.89%pa 4.94%pa 5.14%pa 5.19%pa
LVR 70.01% - 80% 4.99%pa 5.04%pa 5.24%pa 5.29%pa

Ready to Get Started?

Interest rates on this site were updated on 18 August 2017. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes, purposes, repayment types, scenarios or LVRs. Click on the loan name for more information. The comparison rate is calculated on the basis of a loan of $150,000 over a 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. Terms & conditions, fees, charges and credit criteria apply.