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Essential Home Loan
Darling Downs Bank's Essential Home Loan is a home loan. The figures are the ones Darling Downs Bank publishes under the Consumer Data Right today. The advertised rate last moved on 14 October 2026, up from 6.49% to 6.74%.
Advertised rate
6.74%
headline tier
Comparison rate
6.89%
as published
Last moved
+0.25pp
14 October 2026
Advertised rate, last 30 days. Between 6.49% and 6.74% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, Interest only | 6.74% | 6.89% |
Rate moves, last 30 days
- 14 October 2026: Variable, Owner occupier, Interest only lifted 0.25pp, from 6.49% to 6.74%.
Published fees
| Fee | Amount |
|---|---|
| CITEC check title searchupfront: Payable on funding of a new loan | $26.20 |
| CITEC title searchupfront: Payable for each Title Search ordered | $25.63 |
| Establishment feeupfront: Payable on funding of a new loan - price confirmed on application | $600 |
| In house search feeupfront: Payable on funding a new loan when requesting a title search | $33 |
| Loan arrears letter feerecurring: Charged once a loan has gone into arrears and letters are issue to customers | $12.50 |
| Loan service fee - essentialrecurring: Payable on Essential home loans | $10 |
| Mortgage release feeper transaction: Mortgage Release fee charged per mortgage on realease by WCU | $150 |
| Mortgage release fee - solicitorper transaction: Solicitor Mortgage Release charge | $200 |
| Registration fees - mortgageupfront: Payalbe on registration of a new mortgage | $192 |
| Registration fees - releaseupfront: Payable on registration of a Release of Mortgage | $192 |
| Registration fees - transferupfront: Payable for registration of a transfer for purchase price up to $180,000. | $192 |
| Settlement agent feeupfront: Settlement Agent Fee payable on funding loan when settlement attended to | $60 |
Other Darling Downs Bank home loans
Essential Home Loan 6.64%Essential Home Loan 6.74%Package Home Loans 6.74%Package Home Loans 6.79%Package Home Loans 6.89%Package Home Loans 6.94%Package Home Loans 6.99%Package Home Loans 7.04%Package Home Loans 7.09%Package Home Loans 7.09%Package Home Loans 7.14%Package Home Loans 7.14%
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