Home loan · Variable
ESSENTIAL HOME LOAN
6.79%comparison rate p.a. · 6.64% advertised
Variable · P&I · Owner-occupier
87th of 149 variable owner-occupier P&I loans
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
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $600
- Ongoing fee
- $1 a month
- Discharge fee
- None
- Variable · P&I · Owner-occupier
- 6.79% comparison · 6.64% advertised
- Variable · Interest Only · Owner-occupier
- 6.89% comparison · 6.74% advertised
- Variable · Interest Only · Owner-occupier
- 6.89% comparison · 6.74% advertised
- Application fee
- $600
- Ongoing fee
- $1 a month
- Discharge fee
- None
- Valuation fee
- $350
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $10,000
- Maximum loan
- $3,000,000
- ESSENTIAL HOME LOAN · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
No changes recorded for this product since tracking began on 11 November 2026.
Also from Darling Downs Bank: PACKAGE HOME LOANS 7.36% · CLASSIC HOME LOAN 8.45%
As of 13 November 2026, the Darling Downs Bank ESSENTIAL HOME LOAN's variable owner-occupier P&I variant has a comparison rate of 6.79% (6.64% advertised), ranking 87th of 149 variable owner-occupier P&I loans and sitting 0.03 points below the market average of 6.82%. The product comes in 3 variants; the others are interest-only. From the provider's Consumer Data Right feed, refreshed nightly.