Skip to main content

liteBlue Variable Rate

Our lowest home loan rate

A straight-up low rate home loan that’s easy to understand. Our liteBlue Variable Rate home loan is made for those who don’t need all the bells and whistles. Just our lowest rate and the features that make sense – like no ongoing fees and free online redraw.

liteBlue Variable

5.49% p.a.^

variable owner occupied
<60% LVR

5.50% p.a.^^

comparison rate

Let’s figure out what’s possible

Take the first step on your home loan journey in whatever way works for you.

Send through an online application to kickstart your home loan in just 30 minutes. Or find a time to chat with one of our experienced lenders.

Apply online Book an appointment

Why pick liteBlue Variable Rate

Sometimes, less really is more. Guided by our customers, our liteBlue Variable Rate home loan is designed to keep life simple.

Our lowest rates

We’ve put together the lowest rates we can to pay off your loan sooner.

Save on fees

We’ve said goodbye to ongoing fees to keep your costs down.

Free online redraw

We give you the flexibility to access extra repayments at no charge.

Jump on the bandwagon with an award-winning home loan

We’re proud as punch that our home loans have been honoured in the 2022, 2023 and 2024 Canstar Outstanding Value Home Lender Awards. Up against lots of big and small players, when we win, you win!

Only the features you need

Our liteBlue Variable Rate home loan gets straight to the point, with our lowest rate and the simplest features. A match made in heaven.

Browse features

liteBlue Variable Rate home loan

$199 application fee
Construction loan available
Flexible repayments
Interest only repayments
Additional repayments
Unlimited free online redraw facility
$30 per manual redraw (e.g. in branch)
30 year maximum loan term
95% maximum loan-to-value-ratio (incl. LMI)
$300 switch fee
$300 top up fee

The low-down on rates


Owner occupier

LoanAnnual percentage rate Comparison rate (p.a.)
liteBlue Variable Rate <=60% LVR5.49%^5.50%^^
liteBlue Variable Rate 60.01% <= 80% LVR5.59%^5.60%^^
liteBlue Variable Rate 80.01 <= 90% LVR5.79%^5.80%^^
liteBlue Variable Rate 90.01% <= 95% LVR6.19%^6.20%^^

Investor

LoanAnnual percentage rate Comparison rate (p.a.)
liteBlue Investor Variable Rate <=60% LVR5.64%^5.65%^^
liteBlue Investor Variable Rate 60.01% <=80% LVR5.74%^5.75%^^
liteBlue Investor Variable Rate 80.01% <=90% LVR5.94%^5.95%^^

Get the ball rolling

Every great relationship needs someone to make the first move. There are three ways you can get the ball rolling with us and make an application – we can’t wait to hear from you.

Give us a bell

8am to 5:45pm on weekdays and 9:30am to 12pm on Saturdays.

Call us

Book an appointment

To learn more or apply, simply visit your nearest Hume Bank branch.

Book it in

Reach out online

Apply online and we’ll be in touch.

Apply online

Crunch the numbers

The best decisions are informed decisions. Understand your borrowing power and repayment options by using our handy online tools and calculators.

Borrowing power

How much can I borrow?

Loan repayments

What would my repayments be?

Split loan

What are my loan options?

Stamp duty

How much stamp duty will I pay?

Frequently asked questions

Interest rates & changes

Explore our rates, how they change, and what that could mean for you.

Online banking

Learn how to manage your finances, no matter when or where you are.

Ways to pay

Discover all the different ways you can pay online and offline.

Bank safely

See the tools and features we use to keep your money safe.

Product T&Cs

Take a look at the small print for our products – you won’t be disappointed!

Scam protection

Learn how to spot common scams and what to do if you’ve been targeted.

Explore our home loans

liteBlue Variable Rate home loan

5.49% p.a.^

liteBlue variable rate owner occupied <60% LVR

5.50% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • $199 application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term

myBlue Fixed Rate home loan

5.09% p.a.^

myBlue 1 year fixed rate owner occupied <60% LVR

5.54% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • No application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term
  • Up to eight 100% interest offset accounts

myBlue Variable Rate home loan

5.59% p.a.^

myBlue variable rate owner occupied <60% LVR

5.59% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • No application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term
  • Up to eight 100% interest offset accounts

Find your home with us

Choosing a home loan is personal. We’ve put together a collection of resources to help you make the right choice for you.

I am looking to...

buy my first home

I am looking to...

buy my next home

I am looking to...

refinance

I am looking to...

buy an investment property

Things you should know

Rates, fees and charges and other information correct as at 20 June 2025 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Download a copy of our Owner occupier home loan rates and/or our Investor home loan rates.

Access our Home Loan Key Facts Sheet. Download our Application Checklist to help make the application process as smooth as possible.

^ Interest rate is only available to owner-occupied loans on liteBlue and myBlue principal and interest repayments with less than or equal to 60% Loan to Value Ratio (LVR). Interest rates for investment loan purposes, interest only loans and other applicable LVR tiers will differ.

^^ Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.