Home loan · Variable
CLASSIC HOME LOAN
8.70%comparison rate p.a. · 8.65% advertised
Variable · P&I · Owner-occupier
147th of 149 variable owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $600
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier
- 8.70% comparison · 8.65% advertised
- Variable · Interest Only · Owner-occupier
- 8.79% comparison · 8.75% advertised
- Variable · Interest Only · Owner-occupier
- 8.80% comparison · 8.75% advertised
- Variable · P&I · Investor
- 8.75% comparison · 8.70% advertised
- Variable · Interest Only · Investor
- 8.80% comparison · 8.80% advertised
- Variable · Interest Only · Investor
- 8.81% comparison · 8.80% advertised
- 1yr Fixed · P&I · Owner-occupier
- 8.95% comparison · 8.49% advertised
- 1yr Fixed · Interest Only · Owner-occupier
- 8.73% comparison · 8.89% advertised
- 1yr Fixed · P&I · Investor
- 8.80% comparison · 8.89% advertised
- 1yr Fixed · Interest Only · Investor
- 8.80% comparison · 9.12% advertised
- 2yr Fixed · P&I · Owner-occupier
- 8.91% comparison · 8.54% advertised
- 2yr Fixed · Interest Only · Owner-occupier
- 8.79% comparison · 9.04% advertised
- 2yr Fixed · P&I · Investor
- 8.75% comparison · 8.69% advertised
- 2yr Fixed · Interest Only · Investor
- 8.81% comparison · 9.14% advertised
- Application fee
- $600
- Ongoing fee
- None
- Discharge fee
- None
- Valuation fee
- $350
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $10,000
- Maximum loan
- $3,000,000
- CLASSIC HOME LOAN · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
November 20261 change
- 14Sat
- 14 variants up 0.20 to 0.4610 days after the RBA rise to 4.85%+0.20 to +0.46
Variable · P&I · Owner-occupier 8.45 8.70 +0.25 Variable · Interest Only · Owner-occupier 8.55 8.79 +0.24 Variable · Interest Only · Owner-occupier 8.55 8.80 +0.25 Variable · P&I · Investor 8.50 8.75 +0.25 Variable · Interest Only · Investor 8.60 8.80 +0.20 Variable · Interest Only · Investor 8.35 8.81 +0.46 1yr Fixed · P&I · Owner-occupier 8.70 8.95 +0.25 1yr Fixed · Interest Only · Owner-occupier 8.48 8.73 +0.25 1yr Fixed · P&I · Investor 8.53 8.80 +0.27 1yr Fixed · Interest Only · Investor 8.54 8.80 +0.26 2yr Fixed · P&I · Owner-occupier 8.67 8.91 +0.24 2yr Fixed · Interest Only · Owner-occupier 8.54 8.79 +0.25 2yr Fixed · P&I · Investor 8.50 8.75 +0.25 2yr Fixed · Interest Only · Investor 8.56 8.81 +0.25
Also from Darling Downs Bank: ESSENTIAL HOME LOAN 7.04% · PACKAGE HOME LOANS 7.61%
As of 14 November 2026, the Darling Downs Bank CLASSIC HOME LOAN's variable owner-occupier P&I variant has a comparison rate of 8.70% (8.65% advertised), ranking 147th of 149 variable owner-occupier P&I loans and sitting 1.86 points above the market average of 6.84%. The product comes in 14 variants; the others are investor, interest-only and fixed-rate. Its rate last moved on 14 November 2026, 10 days after the RBA rise to 4.85%. From the provider's Consumer Data Right feed, refreshed nightly.