Hume Bank Flexi Low Rate Home Loan

A low-rate home loan with no frills and some flexible features.

The Hume Bank Flexi Low Rate Home Loan is a basic, low-rate home loan without some of the features that often carry ongoing fees. However, the loan does offer some flexible features to help you manage your mortgage.

Interest Rate Max Insured LVR Max LVR
(Investor, IO)
3.79% p.a.
Comparison Rate
3.49% p.a.
80% 80%
(Investor, P&I)
3.29% p.a.
Comparison Rate
3.29% p.a.
85% 80%
(Owner Occupier, P&I)
2.84% p.a.
Comparison Rate
2.84% p.a.
95% 80%
(Owner Occupier, P&I) <70% LVR
2.69% p.a.
Comparison Rate
2.69% p.a.
70% 70%
Product NameHume Bank Flexi Low Rate Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$50,000
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountNo
Mortgage 100% OffsetNo
Loan Redraw FacilityYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Repayment TypePrincipal & Interest
Application Fee$0
Lender's Legal Fee$0
Valuation Fee$0
Ongoing Fees$0 p.a.
Settlement Fee$150
Discharge FeeUp to $200


  • No monthly fee
  • No valuation fee
  • Free online redraw


  • $0 fee (waived for refinancers)
  • $150 settlement fee ($0 for refinancers)

What do I need to know about this loan?

The Hume Bank Flexi Low Rate Home Loan is available to owner-occupiers or investors. It has low deposit options and a fee waiver for refinancers.

What are the feature and benefits of the Hume Bank Flexi Low Rate Home Loan?

  • Loan amount and purpose. The Hume Bank Flexi Low Rate Home Loan has a minimum borrowing amount of $50,000 and no maximum borrowing amount. It's available to owner-occupiers and investors.
  • Free redraw. If you make extra repayments, you can access them using the loan's free redraw facility. There's a low minimum redraw amount of $50.
  • Repayment flexibility. This loan allows weekly, fortnightly or monthly repayments, and you can make as many extra repayments as you like without penalty.
  • Loan-to-value ratio. The Hume Bank Flexi Low Rate Home Loan has a high maximum loan-to-value ratio of 95% LVR. However, borrowing more than 80% will incur a lenders mortgage insurance (LMI) premium.

What fees and charges come with this loan?

  • Settlement fee: $150. This fee covers the administrative costs of settling your home loan.
  • Discharge fee: Up to $200. This fee is charged when you close your home loan account.

How do I apply for this loan?

If you've compared your options and think the Hume Bank Flexi Low Rate Home Loan could be right for you, click the link below. You'll be taken to Hume Bank's website where you can complete the application process.

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Hume Bank Flexi Low Rate Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $0

  • Max LVR


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