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Bank of us · Home loans
FlexiChoice Residential Investment Home Loan
Bank of us's FlexiChoice Residential Investment 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 6.19% to 6.44%.
Advertised rate
6.44%
headline tier
Comparison rate
6.46%
as published
Last moved
+0.25pp
15 October 2026
Advertised rate, last 30 days. Between 6.19% and 6.44% over the last 30 days.
Every current rate (30)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Investor, P&I, LVR up to 60%LVR <= 60% | 6.44% | 6.46% |
| Variable, Investor, P&I, LVR 60 to 70%LVR > 60% and <= 70% | 6.44% | 6.46% |
| Variable, Investor, P&I, LVR 70 to 80%LVR > 70% and <= 80% | 6.49% | 6.51% |
| Fixed 1 year, Investor, P&I, LVR up to 60%LVR <= 60% | 6.74% | 6.50% |
| Fixed 1 year, Investor, P&I, LVR 60 to 70%LVR > 60% and <= 70% | 6.74% | 6.50% |
| Fixed 2 years, Investor, P&I, LVR up to 60%LVR <= 60% | 6.74% | 6.52% |
| Fixed 2 years, Investor, P&I, LVR 60 to 70%LVR > 60% and <= 70% | 6.74% | 6.52% |
| Fixed 1 year, Investor, P&I, LVR 70 to 80%LVR > 70% and <= 80% | 6.79% | 6.55% |
| Fixed 2 years, Investor, P&I, LVR 70 to 80%LVR > 70% and <= 80% | 6.79% | 6.57% |
| Fixed 3 years, Investor, P&I, LVR up to 60%LVR <= 60% | 6.79% | 6.57% |
| Fixed 3 years, Investor, P&I, LVR 60 to 70%LVR > 60% and <= 70% | 6.79% | 6.57% |
| Fixed 3 years, Investor, P&I, LVR 70 to 80%LVR > 70% and <= 80% | 6.84% | 6.62% |
| Fixed 4 years, Investor, P&I, LVR up to 60%LVR <= 60% | 6.89% | 6.63% |
| Fixed 4 years, Investor, P&I, LVR 60 to 70%LVR > 60% and <= 70% | 6.89% | 6.63% |
| Variable, Investor, P&I, LVR 80 to 90%LVR > 80% and <= 90% | 6.89% | 6.96% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90%LVR > 80% and <= 90% | 6.94% | 6.96% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90%LVR > 80% and <= 90% | 6.94% | 6.97% |
| Fixed 4 years, Investor, P&I, LVR 70 to 80%LVR > 70% and <= 80% | 6.94% | 6.68% |
| Fixed 1 year, Investor, P&I, LVR over 90%LVR > 90% | 7.04% | 7.67% |
| Fixed 2 years, Investor, P&I, LVR over 90%LVR > 90% | 7.04% | 7.61% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90%LVR > 80% and <= 90% | 7.09% | 7.02% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90%LVR > 80% and <= 90% | 7.09% | 7.03% |
| Fixed 5 years, Investor, P&I, LVR up to 60%LVR <= 60% | 7.09% | 6.75% |
| Fixed 5 years, Investor, P&I, LVR 60 to 70%LVR > 60% and <= 70% | 7.09% | 6.75% |
| Fixed 5 years, Investor, P&I, LVR 70 to 80%LVR > 70% and <= 80% | 7.14% | 6.81% |
| Fixed 3 years, Investor, P&I, LVR over 90%LVR > 90% | 7.19% | 7.60% |
| Fixed 4 years, Investor, P&I, LVR over 90%LVR > 90% | 7.19% | 7.56% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90%LVR > 80% and <= 90% | 7.29% | 7.14% |
| Fixed 5 years, Investor, P&I, LVR over 90%LVR > 90% | 7.39% | 7.62% |
| Variable, Investor, P&I, LVR over 90%LVR > 90% | 7.64% | 7.74% |
Rate moves, last 30 days
- 15 October 2026: Variable, Investor, P&I, LVR 80 to 90% lifted 0.20pp, from 6.69% to 6.89%.
- 15 October 2026: 4 tiers lifted 0.25pp; the lowest, Variable, Investor, P&I, LVR 60 to 70%, from 6.19% to 6.44%.
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 |
| Security review feeupfront: Being the amount of costs and disbursements we have to pay a valuer for a valuation of any security. | $275 |
Other Bank of us home loans
Flexidiscount Home Guarantee Scheme Home Loan 6.19%Flexidiscount Home Loan 6.19%Topline Home Loan 6.24%Topline Res. INV. Loan 6.54%Flexichoice Home Loan 7.11%Line Of Credit 9.11%
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