Lenders › Bank of us › Flexichoice Home Loan
Bank of us · Home loans
Flexichoice Home Loan
Bank of us's Flexichoice Home Loan is a home loan. The figures are the ones Bank of us publishes under the Consumer Data Right today. The advertised rate last moved on 15 October 2026, up from 6.86% to 7.11%.
Advertised rate
7.11%
headline tier
Comparison rate
7.32%
as published
Last moved
+0.25pp
15 October 2026
Advertised rate, last 30 days. Between 6.86% and 7.11% over the last 30 days.
Every current rate (6)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, Interest only, LVR up to 80%LVR <= 80% | 7.11% | 7.32% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80%LVR <= 80% | 7.19% | 7.33% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80%LVR <= 80% | 7.19% | 7.34% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80%LVR <= 80% | 7.24% | 7.36% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80%LVR <= 80% | 7.34% | 7.41% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80%LVR <= 80% | 7.54% | 7.52% |
Rate moves, last 30 days
- 15 October 2026: Variable, Owner occupier, Interest only, LVR up to 80% lifted 0.25pp, from 6.86% to 7.11%.
Published fees
| Fee | Amount |
|---|---|
| Settlement feeupfront | $350 |
| Title search feeupfront: Payable when we require information from the Land Titles Office in connection with your credit contract. | see lender |
| Further application feewhen it happens: Payable when you ask us to increase the amount of credit. | $300 |
| Special attendance feewhen it happens: per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fe | $300 |
| Variation feewhen it happens: Payable when we agree to any request by you to vary the terms of your credit contract (including varying your interest rate or switching product types). | $300 |
| Arrears feewhen it happens: Payable in each instance you are in default under this contract. | $40 |
| Insurance collection feewhen it happens: Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf. | $40 |
| Evidence retrieval feewhen it happens: Applies where you request us to retrieve the paper item or evidence supporting a transaction. | $20 |
| Cheque dishonour (inward) feewhen it happens: Applies where a cheque paid into your account with us is dishonoured. | $12 |
| Duplicate statement feewhen it happens: Payable for each duplicate paper copy of your monthly statement you request. | $5 |
| Discharge feewhen it happens: Payable when we agree to discharge any security. | $395 |
| Progress inspection feesupfront per plan: Payable if we carry out a progress inspection of any security property. | see lender |
Other Bank of us home loans
Flexidiscount Home Guarantee Scheme Home Loan 6.19%Flexidiscount Home Loan 6.19%Topline Home Loan 6.24%FlexiChoice Residential Investment Home Loan 6.44%Topline Res. INV. Loan 6.54%Line Of Credit 9.11%
Get an email the morning Bank of us moves this rate.
Every Bank of us rate · every home loan rate compared · other lenders · this product in the explorer.