ZIP Home Loan

The ZIP Home Loan offers variable rates from 4.48% p.a. (4.50% p.a. comparison rate*).

Updated 15 August 2022

* See details below

Interest Rates
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I want to borrow
with a deposit of
for my
Principal & Interest(% p.a.)




Expert Review

If you're looking for a fee free home loan with basic features, then the ZIP Home Loan is worth considering. As one of's more basic home loan offerings, it features variable interest rates across the Owner Occupier category. Further details about the ZIP Home Loan benefits are outlined below.

Product Details

$520 establishment fee

$0 annual fee

Other fees may apply.

Loan Amount

From $250,000


No ongoing fees

Make extra repayments

Redraw extra repayments that you have made


Before applying for this product, you should read the Target Market Determination (TMD) available here on the website.

More information
* Comparison rate is based on a secured loan of $150,000 over a 25 year term. 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.
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