Get a lower variable interest rate.
Bank Orange is pleased to advise that we will be passing on the full 0.25% cash rate decrease to members on our variable rate home loan products.
This rate change will be effective from Monday 25 August 2025
Basic Variable Home Loan Special Rate Offer
Enjoy a special offer variable rate on our Basic Variable Home Loan for the first 12 months, and we’ll also waive the establishment fee—giving you extra savings from the moment you start.
From
5.39
%
p.a.
Interest rate
5.57
%
p.a.
Comparison rate
Why choose our Basic Home Loan Special Rate offer?
Don't know where to start?
Chat with one of our Lending Specialists today!
Whether you require support in budgeting, financing, or comprehending the intricacies of the home buying procedure, we stand ready to assist you at each stage, enabling you to make well-informed choices. Reach out to us today to initiate the journey toward your dream home.
| Basic home loan Principal & interest |
Interest rate | Comparison rate |
| LVR 60% and Under | 5.39% p.a. | 5.57% p.a. |
| LVR Between 60 - 80 % | 5.49% p.a. | 5.67% p.a. |
| LVR Over 80% | 5.69% p.a. | 5.87% p.a. |
| Basic home loan Interest only |
Interest rate | Comparison rate |
| LVR 60% and Under | 5.49% p.a. | 5.67% p.a. |
| LVR Between 60 - 80 % | 5.59% p.a. | 5.77% p.a. |
| LVR Over 80% | 5.79% p.a. | 5.97% p.a. |
Product Features:
Home Loan |
|
|---|---|
| Included in Relationship Rebate : | Yes |
| Deposit required : | 5%* |
| Establishment fee : | $0 |
| Valuation fees included within establishment fee : | No |
| Ability to increase loan amount (Loan Top Up) : | Yes |
| Additional repayments accepted : | Yes |
| Additional repayments fee : | $0 |
| Annual fee : | $0 |
| Can be used for building : | Yes |
| Early repayments without penalty : | Yes |
| Easy to apply for loan : | Yes |
| Discharge fee : | $200 |
| Interest charges : | Calculated daily, charged monthly |
| Interest only repayments (up to 5 years) : | Yes |
| Loan term : | up to 30 years |
| Maximum Loan-to-Value ratio : | 95% |
| Minimum amount : | $30,000 |
| Maximum amount : | Subject to application |
| Minimum term (years) : | 1 |
| Mortgage offset : | No |
| Partial split loan : | No |
| Rate term : | Variable |
| Repayments : | Monthly, Fortnightly, Weekly |
| Redraw facility : | |
| Redraw fee : | $0 |
| Suitable for vacant land : | Yes |
| Repayment options : | Payroll deduction, Periodical payment, Internet banking |
| Switching fee : | $250 |
| Variable and lump sum repayments : | Yes |
Compare all our rates and fees
Find out all the latest rates and fees for our Home Loans.
Calculators
Borrowing power
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Loan repayments
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Stamp duty calculator
Use our stamp duty calculator to estimate the stamp duty costs on your property.
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