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Bank of us home loan rates

7 home loan products and 85 published rates, checked 2 Nov, 12:05 am AEDT. Bank of us last updated its data 15 Oct 2026.

Lowest Bank of us rates

Loan type	Rate	Comparison*
Variable, owner-occupier, P&I TOPLINE HOME LOAN (LVR 0–80%)	6.24%	6.24%
Variable, owner-occupier, interest only Flexidiscount Home Guarantee Scheme Home Loan (LVR 80–90%)	6.19%	6.19%
Variable, investor, P&I FlexiChoice Residential Investment Home Loan (LVR 0–60%)	6.44%	6.46%

How does Bank of us compare? Rank every lender for your loan, or see if switching saves you money.

Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All Bank of us home loans

FLEXICHOICE HOME LOAN · 6 rates · from 7.11%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, interest only	LVR 0–80%	7.19%	7.33%
2 year fixed	Owner-occupier, interest only	LVR 0–80%	7.19%	7.34%
3 year fixed	Owner-occupier, interest only	LVR 0–80%	7.24%	7.36%
4 year fixed	Owner-occupier, interest only	LVR 0–80%	7.34%	7.41%
5 year fixed	Owner-occupier, interest only	LVR 0–80%	7.54%	7.52%
Variable	Owner-occupier, interest only	LVR 0–80%	7.11%	7.32%

FLEXICHOICE HOME LOAN on Bank of us’s site ↗

FlexiChoice Residential Investment Home Loan · 30 rates · from 6.44%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, principal & interest	LVR 0–60%	6.74%	6.50%
1 year fixed	Investor, principal & interest	LVR 60–70%	6.74%	6.50%
1 year fixed	Investor, principal & interest	LVR 70–80%	6.79%	6.55%
1 year fixed	Investor, principal & interest	LVR 80–90%	6.94%	6.96%
1 year fixed	Investor, principal & interest	any LVR	7.04%	7.67%
2 year fixed	Investor, principal & interest	LVR 0–60%	6.74%	6.52%
2 year fixed	Investor, principal & interest	LVR 60–70%	6.74%	6.52%
2 year fixed	Investor, principal & interest	LVR 70–80%	6.79%	6.57%
2 year fixed	Investor, principal & interest	LVR 80–90%	6.94%	6.97%
2 year fixed	Investor, principal & interest	any LVR	7.04%	7.61%
3 year fixed	Investor, principal & interest	LVR 0–60%	6.79%	6.57%
3 year fixed	Investor, principal & interest	LVR 60–70%	6.79%	6.57%
3 year fixed	Investor, principal & interest	LVR 70–80%	6.84%	6.62%
3 year fixed	Investor, principal & interest	LVR 80–90%	7.09%	7.02%
3 year fixed	Investor, principal & interest	any LVR	7.19%	7.60%
4 year fixed	Investor, principal & interest	LVR 0–60%	6.89%	6.63%
4 year fixed	Investor, principal & interest	LVR 60–70%	6.89%	6.63%
4 year fixed	Investor, principal & interest	LVR 70–80%	6.94%	6.68%
4 year fixed	Investor, principal & interest	LVR 80–90%	7.09%	7.03%
4 year fixed	Investor, principal & interest	any LVR	7.19%	7.56%
5 year fixed	Investor, principal & interest	LVR 0–60%	7.09%	6.75%
5 year fixed	Investor, principal & interest	LVR 60–70%	7.09%	6.75%
5 year fixed	Investor, principal & interest	LVR 70–80%	7.14%	6.81%
5 year fixed	Investor, principal & interest	LVR 80–90%	7.29%	7.14%
5 year fixed	Investor, principal & interest	any LVR	7.39%	7.62%
Variable	Investor, principal & interest	LVR 0–60%	6.44%	6.46%
Variable	Investor, principal & interest	LVR 60–70%	6.44%	6.46%
Variable	Investor, principal & interest	LVR 70–80%	6.49%	6.51%
Variable	Investor, principal & interest	LVR 80–90%	6.89%	6.96%
Variable	Investor, principal & interest	any LVR	7.64%	7.74%

FlexiChoice Residential Investment Home Loan on Bank of us’s site ↗

Flexidiscount Home Guarantee Scheme Home Loan · 12 rates · from 6.19%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, interest only	LVR 80–90%	6.59%	6.23%
1 year fixed	Owner-occupier, interest only	any LVR	6.59%	6.30%
2 year fixed	Owner-occupier, interest only	LVR 80–90%	6.59%	6.27%
2 year fixed	Owner-occupier, interest only	any LVR	6.59%	6.34%
3 year fixed	Owner-occupier, interest only	LVR 80–90%	6.64%	6.32%
3 year fixed	Owner-occupier, interest only	any LVR	6.64%	6.39%
4 year fixed	Owner-occupier, interest only	LVR 80–90%	6.74%	6.39%
4 year fixed	Owner-occupier, interest only	any LVR	6.74%	6.46%
5 year fixed	Owner-occupier, interest only	LVR 80–90%	6.94%	6.52%
5 year fixed	Owner-occupier, interest only	any LVR	6.94%	6.59%
Variable	Owner-occupier, interest only	LVR 80–90%	6.19%	6.19%
Variable	Owner-occupier, interest only	any LVR	6.19%	6.19%

Flexidiscount Home Guarantee Scheme Home Loan on Bank of us’s site ↗

Flexidiscount Home Loan · 30 rates · from 6.19%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, interest only	LVR 0–60%	6.54%	6.23%
1 year fixed	Owner-occupier, interest only	LVR 60–70%	6.54%	6.23%
1 year fixed	Owner-occupier, interest only	LVR 70–80%	6.59%	6.23%
1 year fixed	Owner-occupier, interest only	LVR 80–90%	6.74%	6.25%
1 year fixed	Owner-occupier, interest only	any LVR	6.84%	7.36%
2 year fixed	Owner-occupier, interest only	LVR 0–60%	6.54%	6.26%
2 year fixed	Owner-occupier, interest only	LVR 60–70%	6.54%	6.26%
2 year fixed	Owner-occupier, interest only	LVR 70–80%	6.59%	6.27%
2 year fixed	Owner-occupier, interest only	LVR 80–90%	6.74%	6.30%
2 year fixed	Owner-occupier, interest only	any LVR	6.84%	7.31%
3 year fixed	Owner-occupier, interest only	LVR 0–60%	6.59%	6.30%
3 year fixed	Owner-occupier, interest only	LVR 60–70%	6.59%	6.30%
3 year fixed	Owner-occupier, interest only	LVR 70–80%	6.64%	6.32%
3 year fixed	Owner-occupier, interest only	LVR 80–90%	6.89%	6.39%
3 year fixed	Owner-occupier, interest only	any LVR	6.99%	7.31%
4 year fixed	Owner-occupier, interest only	LVR 0–60%	6.69%	6.37%
4 year fixed	Owner-occupier, interest only	LVR 60–70%	6.69%	6.37%
4 year fixed	Owner-occupier, interest only	LVR 70–80%	6.74%	6.39%
4 year fixed	Owner-occupier, interest only	LVR 80–90%	6.89%	6.45%
4 year fixed	Owner-occupier, interest only	any LVR	6.99%	7.28%
5 year fixed	Owner-occupier, interest only	LVR 0–60%	6.89%	6.50%
5 year fixed	Owner-occupier, interest only	LVR 60–70%	6.89%	6.50%
5 year fixed	Owner-occupier, interest only	LVR 70–80%	6.94%	6.52%
5 year fixed	Owner-occupier, interest only	LVR 80–90%	7.09%	6.59%
5 year fixed	Owner-occupier, interest only	any LVR	7.19%	7.34%
Variable	Owner-occupier, interest only	LVR 0–60%	6.19%	6.19%
Variable	Owner-occupier, interest only	LVR 60–70%	6.19%	6.19%
Variable	Owner-occupier, interest only	LVR 70–80%	6.19%	6.19%
Variable	Owner-occupier, interest only	LVR 80–90%	6.19%	6.19%
Variable	Owner-occupier, interest only	any LVR	7.34%	7.41%

Flexidiscount Home Loan on Bank of us’s site ↗

LINE OF CREDIT · 1 rate · from 9.11%Specialist loan

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, interest only	any LVR	9.11%	9.24%

LINE OF CREDIT on Bank of us’s site ↗

TOPLINE HOME LOAN · 3 rates · from 6.24%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	LVR 0–80%	6.24%	6.24%
Variable	Owner-occupier, principal & interest	LVR 80–90%	6.24%	6.24%
Variable	Owner-occupier, principal & interest	any LVR	7.39%	7.46%

TOPLINE HOME LOAN on Bank of us’s site ↗

TOPLINE RES. INV. LOAN · 3 rates · from 6.54%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, principal & interest	LVR 0–80%	6.54%	6.56%
Variable	Investor, principal & interest	LVR 80–90%	6.94%	7.01%
Variable	Investor, principal & interest	any LVR	7.69%	7.79%

TOPLINE RES. INV. LOAN on Bank of us’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.