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Variable Home Loans

Rates From^

Comparison rate*

^This rate is only available on new loans with principal and interest repayments on loan amounts over $50,000 *Click for important information about comparison rate.

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Fixed Home Loans

Rates From:

Comparison rate*

*Click for important information about comparison rate

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Term Deposits

100 day special

Min investment of $5,000+

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Personal Loans

Rates From

Comparison rate*

*Click for important information about comparison rate.

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Personal Credit Cards

Rates From*

*Interest rate on purchases

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Personal Savings

Base Rate

Bonus Rate*

Bonus Rate Conditions apply.

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What you'll get

With a low variable rate, no penalty for extra repayments and free online redraw on those advanced payments at any time, our Standard Variable Loan is all about flexibility. 

Switching your loan to Hume?  For a limited time, refinance to this loan and save up to $1,500 in set up costs1.

100% interest offset account available


No annual or monthly fees


Make extra repayments at any time


Free online redraw on your extra repayments



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

We can help get you started

If you're thinking about buying, updating or investing, click below to send us your details and a Lending Specialist will get in touch to talk about your plans.


Interest Rate

Annual Percentage Rate

Comparison Rate*


Interest rate correct as at 5 September 2018 and subject to change without notice.

Interest rates for investment loan purposes and interest only loans will differ. Terms, conditions, fees, charges and normal lending criteria apply. 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.


Standard Variable Rate Charges

Application fee
(Waived for loans refinanced to Hume1 - Learn More)
(Waived for loans included in the Hume Property Package
1 - Learn More)

Top up fee
(Waived for loans included in the Hume Property Package1 – learn more)
Switch fee
(Waived for loans included in the Hume Property Package1 – learn more)
Minimum loan amount
(Minimum loan amount $150,000 applies to loans included in the Hume Property Package1)
No minimum
Available under Hume Property Package - learn more Yes
Maximum loan term

30 years

Loan amounts $500,000+ 0.90%pa
Max. Loan Value Ratio (including Lender's Mortgage Insurance Premium)  95%
Additional Repayments Free
Online Redraw Facility Unlimited free
Manual Redraw Facility (e.g. in branch) One free per month - $25 thereafter 
100% Interest Offset account (learn more) Yes
Split loan option Yes
Available for construction Yes
Flexible repayments Yes
Interest only repayments Yes
Interest in advance No


1) Hume will waive or pay up to $1,500 of the set up costs, which includes the application fee and may also include costs such as registration and discharge of mortgage fees, settlement costs, and second valuations, but excludes costs incurred from your current provider.  Refinance offer is only available on Principal & Interest loan amounts over $100,000.  This offer may be withdrawn without notice at any time, at which point only approved loans funded within 3 months of the offer end date will continue to be eligible.

2) Discount applies to new loans from Hume for the purpose of a purchase or refinance, where the packaged home loan borrowings total more than these amounts. For bridging loans, the loan amount used to determine the applicable discount is the loan amount once the bridging loan has been reduced at the end of the bridging period. 

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

For a copy of our Investment Home Loan Rates, click here.

Key Facts Sheet