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Review by

Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds an ASIC-recognised Tier 1 Generic Knowledge certification.

Expert review

Providing a solution for everyone, Hume Bank’s variable rate home loan is available to both owner occupiers and investors. It also has interest rates covering a range of LVR bands, meaning that even if you’re a first home buyer you can get a competitive interest rate with just a 5% deposit. You can also choose whether to pay back the principal and interest or interest only. With no minimum or maximum loan amounts, it provides a great solution for those wanting to upscale and borrow a large amount. On the downside, borrowers don’t have the option for an offset account and you’ll likely need to pay a fee at the end of your loan.

About this loan

What are the features and benefits of the Hume Bank liteBlue variable rate home loan?

  • Loan purpose. The Hume Bank liteBlue variable rate home loan is for investors and owner occupiers.
  • Loan to value ratio. You can borrow up to 95% of your property's value.
  • Loan amount. There is no minimum or maximum loan amount for this loan.
  • Extra repayments. This loan lets you make unlimited extra repayments.
  • Redraw available. This loan lets you redraw with no fee.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to connect with Hume Bank and start an application.

An online application should only take 20 minutes to complete and you can save and return to it any time.

When applying for any home loan there are various documents that you will need to provide to establish your identity, financial situation and details about the property.

Documents that may be required include:

  • Property details. Although you can start an application before you have bought the property, you will need the address and signed contract of sale to complete the application.
  • Identification. You will need ID such as a driver's licence, passport or birth certificate.
  • Proof of income. To prove you can afford to repay the loan, you will need to provide recent payslips or, in some cases, tax returns.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (outstanding debts).


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

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