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Hume Bank home loan rates

Hume Bank's lowest advertised variable rate for a home you live in and pay down is 6.24%, read Monday 2 November. That is 0.39 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.39%, fixed for one year.

Since the Reserve Bank’s increase on Tuesday 29 September, Hume Bank has raised its lowest advertised variable rate from 5.99% to 6.24%. The change was first seen Thursday 15 October. After the Reserve Bank’s increase has every lender.

115 advertised rates across 115 products, published by Hume Bank under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.24% Hume Bank, lowest variable rate open to anyone

5.85% The going rate

0.39 percentage points above the going rate

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, open to anyone: 6.24%
Lowest fixed rate: 6.39%, one year
Lowest comparison rate: 6.25%
Rates published: 115, across 115 products
Last rate move: Wednesday 14 October
Last read: Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Owner-occupied, principal and interest

Variable

liteBlue O/Occ P+I (up to 60%LVR) · 6.24% (6.25% with fees)
liteBlue O/Occ P+I (60%-80% LVR) · 6.34% (6.35% with fees)
myBlue Variable O/Occ P+I (up to 60% LVR) · 6.34% (6.34% with fees)
myBlue Variable O/Occ P+I (60.01 - 80.00% LVR) · 6.44% (6.44% with fees)
liteBlue O/Occ P+I (80%-90% LVR) · 6.54% (6.55% with fees)
myBlue Variable O/Occ P+I (80.01-90.00% LVR) · 6.64% (6.64% with fees)
liteBlue O/Occ P+I (90%-95% LVR) · 6.94% (6.95% with fees)
myBlue Variable O/Occ P+I (90.01 -95.00% LVR) · 7.04% (7.04% with fees)

Fixed

myBlue 1 Year Fix O/Occ P+I (60.01 -80.00% LVR) · one year · 6.39% (6.43% with fees)
myBlue 2 Year Fix O/Occ P+I (60.01 - 80.00% LVR) · two years · 6.39% (6.43% with fees)
myBlue 1 Year Fix O/Occ P+I (up to 60% LVR) · one year · 6.39% (6.35% with fees)
myBlue 2 Year Fix O/Occ P+I (up to 60% LVR) · two years · 6.39% (6.35% with fees)
myBlue 3 Year Fix O/Occ P+I (60.01 - 80.00% LVR) · three years · 6.49% (6.45% with fees)
myBlue 3 Year Fix O/Occ P+I (up to 60% LVR) · three years · 6.49% (6.38% with fees)
myBlue 4 Year Fix O/Occ P+I (60.01 - 80.00% LVR) · four years · 6.59% (6.50% with fees)
myBlue 1 Year Fix O/Occ P+I (80.01-90.00% LVR) · one year · 6.59% (6.63% with fees)
myBlue 2 Year Fix O/Occ P+I (80.01-90.00% LVR) · two years · 6.59% (6.63% with fees)
myBlue 4 Year Fix O/Occ P+I (up to 60% LVR) · four years · 6.59% (6.43% with fees)
myBlue 5 Year Fix O/Occ P+I (60.01 - 80.00% LVR) · five years · 6.69% (6.55% with fees)
myBlue 3 Year Fix O/Occ P+I (80.01-90.00% LVR) · three years · 6.69% (6.65% with fees)
myBlue 1 Year Fix O/Occ P+I (90.01 -95.00% LVR) · one year · 6.69% (7.00% with fees)
myBlue 2 Year Fix O/Occ P+I (90.01 -95.00% LVR) · two years · 6.69% (6.97% with fees)
myBlue 5 Year Fix O/Occ P+I (up to 60% LVR) · five years · 6.69% (6.49% with fees)
myBlue 4 Year Fix O/Occ P+I (80.01-90.00% LVR) · four years · 6.79% (6.70% with fees)
myBlue 3 Year Fix O/Occ P+I (90.01 -95.00% LVR) · three years · 6.79% (6.97% with fees)
myBlue 5 Year Fix O/Occ P+I (80.01-90.00% LVR) · five years · 6.89% (6.75% with fees)
myBlue 4 Year Fix O/Occ P+I (90.01 -95.00% LVR) · four years · 6.89% (6.98% with fees)
myBlue 5 Year Fix O/Occ P&I (90.01 -95.00% LVR) · five years · 6.99% (7.02% with fees)

No rate here says how much of the property's value it applies to. That is what Hume Bank publishes. It says nothing about how much it will lend.

Owner-occupied, interest only

29 rates

Variable

liteBlue O/Occ I/O(up to 60% LVR) · 6.74% (6.48% with fees)
liteBlue O/Occ I/O (60%-80% LVR) · 6.84% (6.58% with fees)
myBlue Variable O/Occ I/O (up to 60% LVR) · 6.84% (6.56% with fees)
myBlue Variable O/Occ I/O (60.01 - 80.00% LVR) · 6.94% (6.66% with fees)
liteBlue O/Occ I/O (80%-90% LVR) · 7.04% (6.78% with fees)
myBlue Variable O/Occ I/O (80.01-90.00% LVR) · 7.14% (6.86% with fees)
liteBlue O/Occ I/O (90%-95% LVR) · 7.54% (7.23% with fees)
myBlue Variable O/Occ I/O (90.01 -95.00% LVR) · 7.64% (7.31% with fees)
Line of Credit · 9.50%

Fixed

myBlue 1 Year Fix O/Occ I/O (60.01 - 80.00% LVR) · one year · 6.79% (6.48% with fees)
myBlue 2 Year Fix O/Occ I/O (60.01 - 80.00% LVR) · two years · 6.79% (6.51% with fees)
myBlue 1 Year Fix O/Occ I/O (up to 60% LVR) · one year · 6.79% (6.39% with fees)
myBlue 2 Year Fix O/Occ I/O (up to 60% LVR) · two years · 6.79% (6.43% with fees)
myBlue 3 Year Fix O/Occ I/O (60.01 - 80.00% LVR) · three years · 6.89% (6.57% with fees)
myBlue 3 Year Fix O/Occ I/O (up to 60% LVR) · three years · 6.89% (6.50% with fees)
myBlue 4 Year Fix O/Occ I/O (60.01 - 80.00% LVR) · four years · 6.99% (6.64% with fees)
myBlue 1 Year Fix O/Occ I/O (80.01-90.00% LVR) · one year · 6.99% (6.68% with fees)
myBlue 2 Year Fix O/Occ I/O (80.01-90.00% LVR) · two years · 6.99% (6.71% with fees)
myBlue 4 Year Fix O/Occ I/O (up to 60% LVR) · four years · 6.99% (6.58% with fees)
myBlue 5 Year Fix O/Occ I/O (60.01 - 80.00% LVR) · five years · 7.09% (6.73% with fees)
myBlue 3 Year Fix O/Occ I/O (80.01-90.00% LVR) · three years · 7.09% (6.77% with fees)
myBlue 1 Year Fix O/Occ I/O (90.01 -95.00% LVR) · one year · 7.09% (7.05% with fees)
myBlue 2 Year Fix O/Occ I/O (90.01 -95.00% LVR) · two years · 7.09% (7.05% with fees)
myBlue 5 Year Fix O/Occ I/O (up to 60% LVR) · five years · 7.09% (6.67% with fees)
myBlue 4 Year Fix O/Occ I/O (80.01-90.00% LVR) · four years · 7.19% (6.84% with fees)
myBlue 3 Year Fix O/Occ I/O (90.01 -95.00% LVR) · three years · 7.19% (7.08% with fees)
myBlue 5 Year Fix O/Occ I/O (80.01-90.00% LVR) · five years · 7.29% (6.93% with fees)
myBlue 4 Year Fix O/Occ I/O (90.01 -95.00% LVR) · four years · 7.29% (7.13% with fees)
myBlue 5 Year Fix O/Occ I/O (90.01 -95.00% LVR) · five years · 7.39% (7.20% with fees)

No rate here says how much of the property's value it applies to. That is what Hume Bank publishes. It says nothing about how much it will lend.

Investment, principal and interest

21 rates

Variable

liteBlue Investor P+I (up to 60% LVR) · 6.39% (6.40% with fees)
liteBlue Investor P+I (60%-80% LVR) · 6.49% (6.50% with fees)
myBlue Variable Investment P+I (up to 60% LVR) · 6.49% (6.49% with fees)
myBlue Variable Investment P+I (60.01 - 80.00% LVR) · 6.59% (6.59% with fees)
liteBlue Investor P+I (80%-90% LVR) · 6.69% (6.70% with fees)
myBlue Variable Investment P+I (80.01-90.00% LVR) · 6.79% (6.79% with fees)

Fixed

myBlue 1 Year Fix Investment P+I (60.01 - 80.00% LVR) · one year · 6.49% (6.58% with fees)
myBlue 2 Year Fix Investment P+I (60.01 - 80.00% LVR) · two years · 6.49% (6.57% with fees)
myBlue 1 Year Fix Investment P+I (up to 60% LVR) · one year · 6.49% (6.49% with fees)
myBlue 2 Year Fix Investment P+I (up to 60% LVR) · two years · 6.49% (6.49% with fees)
myBlue 3 Year Fix Investment P+I (60.01 - 80.00% LVR) · three years · 6.59% (6.59% with fees)
myBlue 3 Year Fix Investment P+I (up to 60% LVR) · three years · 6.59% (6.52% with fees)
myBlue 4 Year Fix Investment P+I (60.01 - 80.00% LVR) · four years · 6.69% (6.63% with fees)
myBlue 1 Year Fix Investment P+I (80.01-90.00% LVR) · one year · 6.69% (6.78% with fees)
myBlue 2 Year Fix Investment P+I (80.01-90.00% LVR) · two years · 6.69% (6.77% with fees)
myBlue 4 Year Fix Investment P+I (up to 60% LVR) · four years · 6.69% (6.56% with fees)
myBlue 5 Year Fix Investment P+I (60.01 - 80.00% LVR) · five years · 6.79% (6.68% with fees)
myBlue 3 Year Fix Investment P+I (80.01-90.00% LVR) · three years · 6.79% (6.79% with fees)
myBlue 5 Year Fix Investment P+I (up to 60% LVR) · five years · 6.79% (6.62% with fees)
myBlue 4 Year Fix Investment P+I (80.01-90.00% LVR) · four years · 6.89% (6.83% with fees)
myBlue 5 Year Fix Investment P+I (80.01-90.00% LVR) · five years · 6.99% (6.88% with fees)

No rate here says how much of the property's value it applies to. That is what Hume Bank publishes. It says nothing about how much it will lend.

Investment, interest only

22 rates

Variable

liteBlue Investor I/O (up to 60% LVR) · 6.59% (6.49% with fees)
liteBlue Investor I/O (60%-80% LVR) · 6.69% (6.59% with fees)
myBlue Variable Investment I/O (up to 60% LVR) · 6.69% (6.58% with fees)
myBlue Variable Investment I/O (60.01 - 80.00% LVR) · 6.79% (6.68% with fees)
liteBlue Investor I/O (80%-90% LVR) · 6.99% (6.84% with fees)
myBlue Variable Investment I/O (80.01-90.00% LVR) · 7.09% (6.92% with fees)
Investment Line of Credit · 9.75%

Fixed

myBlue 1 Year Fix Investment I/O (60.01 - 80.00% LVR) · one year · 6.59% (6.59% with fees)
myBlue 2 Year Fix Investment I/O (60.01 - 80.00% LVR) · two years · 6.59% (6.59% with fees)
myBlue 1 Year Fix Investment I/O (up to 60% LVR) · one year · 6.59% (6.50% with fees)
myBlue 2 Year Fix Investment I/O (up to 60% LVR) · two years · 6.59% (6.51% with fees)
myBlue 3 Year Fix Investment I/O (60.01 - 80.00% LVR) · three years · 6.69% (6.62% with fees)
myBlue 3 Year Fix Investment I/O (up to 60% LVR) · three years · 6.69% (6.55% with fees)
myBlue 4 Year Fix Investment I/O (60.01 - 80.00% LVR) · four years · 6.79% (6.66% with fees)
myBlue 1 Year Fix Investment I/O (80.01-90.00% LVR) · one year · 6.79% (6.79% with fees)
myBlue 2 Year Fix Investment I/O (80.01-90.00% LVR) · two years · 6.79% (6.79% with fees)
myBlue 4 Year Fix Investment I/O (up to 60% LVR) · four years · 6.79% (6.60% with fees)
myBlue 5 Year Fix Investment I/O (60.01 - 80.00% LVR) · five years · 6.89% (6.72% with fees)
myBlue 3 Year Fix Investment I/O (80.01-90.00% LVR) · three years · 6.89% (6.82% with fees)
myBlue 5 Year Fix Investment I/O (up to 60% LVR) · five years · 6.89% (6.67% with fees)
myBlue 4 Year Fix Investment I/O (80.01-90.00% LVR) · four years · 6.99% (6.86% with fees)
myBlue 5 Year Fix Investment I/O (80.01-90.00% LVR) · five years · 7.09% (6.92% with fees)

No rate here says how much of the property's value it applies to. That is what Hume Bank publishes. It says nothing about how much it will lend.

Restricted to particular groups

Product	Who it is for	Rate
liteBlue Deposit Scheme O/Occ P+I (up to 98%LVR)	a particular group only, per its published conditions	6.24%
liteBlue FHB Non Scheme O/Occ P+I (up to 95%LVR)	a particular group only, per its published conditions	6.24%
myBlue Deposit Scheme Variable O/Occ P+I (up to 98% LVR)	a particular group only, per its published conditions	6.34%
myBlue FHB Non Scheme Variable O/Occ P+I (up to 95% LVR)	a particular group only, per its published conditions	6.34%
myBlue Deposit Scheme 1 Year Fix O/Occ P+I (up to 98% LVR)	a particular group only, per its published conditions	6.39%
myBlue Deposit Scheme 2 Year Fix O/Occ P+I (up to 98% LVR)	a particular group only, per its published conditions	6.39%
myBlue FHB Non Scheme 1 Year Fix O/Occ P+I (up to 95% LVR)	a particular group only, per its published conditions	6.39%
myBlue FHB Non Scheme 2 Year Fix O/Occ P+I (up to 95% LVR)	a particular group only, per its published conditions	6.39%
myBlue Deposit Scheme 3 Year Fix O/Occ P+I (up to 98% LVR)	a particular group only, per its published conditions	6.49%
myBlue FHB Non Scheme 3 Year Fix O/Occ P+I (up to 95% LVR)	a particular group only, per its published conditions	6.49%
myBlue Deposit Scheme 4 Year Fix O/Occ P+I (up to 98% LVR)	a particular group only, per its published conditions	6.59%
myBlue FHB Non Scheme 4 Year Fix O/Occ P+I (up to 95% LVR)	a particular group only, per its published conditions	6.59%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Hume Bank last moved a rate on Wednesday 14 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 36 publish a lower one than Hume Bank's 6.24%. The nearest either side:

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Hume Bank told you, it is usually one of these.

The published data is wrong

Hume Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Hume Bank
ABN: 85051868556
Product Reference Data endpoint: https://ibankob.humebank.com.au/OpenBanking
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 115

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

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This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

The other questions

Are you paying more than you need to? your rate against every lender publishing one
How fast should you pay it off? term, extra repayments, interest only
Don't have a loan yet? what to look at before you pick one
What does each lender advertise? every lender that publishes rates, a page each
What moved this week? which lenders changed an advertised rate
Where do these numbers come from? every published rate, and how fresh it is

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.