WLTH’s Ocean Standard Residential variable home loan has rates from 6.44% p.a. (comparison rate 6.90% p.a.) for owner occupiers and 6.64% p.a. (comparison rate 7.14% p.a.) for investors, with a 100% offset account included. It’s available for purchase, refinance and construction, up to 95% LVR. Rates are effective 13 October 2026.
| LVR | Owner occupied | Investment |
|---|---|---|
| Up to 70% | 6.44% p.a. Comparison rate 6.90% p.a.* |
6.64% p.a. Comparison rate 7.14% p.a.* |
| From 70% – 80% | 6.54% p.a. Comparison rate 7.00% p.a.* |
6.74% p.a. Comparison rate 7.24% p.a.* |
| From 80% – 90% | 6.64% p.a. Comparison rate 7.10% p.a.* |
6.84% p.a. Comparison rate 7.34% p.a.* |
| From 90% – 95% | 6.74% p.a. Comparison rate 7.19% p.a.* |
6.94% p.a. Comparison rate 7.44% p.a.* |
| LVR | Owner occupied | Investment |
|---|---|---|
| Up to 70% | 6.64% p.a. Comparison rate 7.22% p.a.* |
6.84% p.a. Comparison rate 7.47% p.a.* |
| From 70% – 80% | 6.74% p.a. Comparison rate 7.32% p.a.* |
6.94% p.a. Comparison rate 7.57% p.a.* |
| From 80% – 90% | 6.84% p.a. Comparison rate 7.42% p.a.* |
7.04% p.a. Comparison rate 7.67% p.a.* |
| From 90% – 95% | 6.94% p.a. Comparison rate 7.52% p.a.* |
7.14% p.a. Comparison rate 7.77% p.a.* |
*See the comparison rate warning below. Maximum loan size $3.5m across all LVR bands.
Frequently Asked Questions
What are WLTH’s variable home loan rates?
WLTH’s Ocean Standard Residential variable home loan has rates from 6.44% p.a. (comparison rate 6.90% p.a.) for owner occupiers and from 6.64% p.a. (comparison rate 7.14% p.a.) for investors on established properties. Construction rates start from 6.64% p.a. (comparison rate 7.22% p.a.*). Your rate depends on your LVR, whether the property is owner occupied or an investment, and whether it’s established or a construction loan. Rates are effective 6 October 2026.
What can I use this loan for?
The loan can be used to purchase, refinance or build a residential property, either owner occupied or investment.
What is the maximum LVR?
The maximum LVR is 95%. For company and trust borrowers, the maximum is 80%. Depending on the property’s location, a lower maximum may apply.
Do I have to pay lenders mortgage insurance (LMI)?
No. WLTH doesn’t charge LMI. Instead, a lenders protection fee applies to loans above 80% LVR. The fee depends on your LVR: from 1.25% to 5.50% for owner occupied loans, and from 1.50% to 5.75% for investment loans.
How much can I borrow?
Individual loans go up to $3.5 million at any LVR. The maximum total borrowing for any individual borrower is $10 million. This includes loans where the individual is also a co-borrower as a director of their company.
Is interest only available?
Yes. Interest-only repayments are available for up to 5 years, up to 95% LVR, with a 0.20% p.a. loading. Interest-only loans require monthly repayments.
Does the loan include an offset account?
Yes. A 100% offset account is included with each loan split.
Can companies or trusts borrow?
Yes. A 0.40% p.a. loading applies where the borrower is a company or trust, with a maximum LVR of 80%.
Can I use this loan to build?
Yes. Construction loans are available up to 95% LVR at the construction rates above. Additional construction fees apply: a $750 construction review fee, a $925 progress payment fee, and a construction risk fee based on your LVR, from 0.25% for owner occupied and 0.50% for investment loans.
Does my property’s location affect how much I can borrow?
Yes. Maximum LVRs depend on the population of the area where the property is located, and properties in areas with fewer than 3,000 people are not accepted.
How do I apply?
Ask your mortgage broker about WLTH, or contact us at 13 WLTH or hello@wlth.com.
Impact Lending
WLTH is Australia’s first Impact Lender. For every loan settled with WLTH, 50m² of Australian beach and coastline will be cleaned up alongside Parley for the Oceans. Your home loan helps keep Australia’s coastline clean, at no extra cost to you.
Disclaimers
Rates and information are correct as at 13 October 2026 and are subject to change without notice.
All loans are subject to lending criteria. Other conditions, fees and charges may apply. Legal fees do not cover disbursements, government charges or third-party contract processing fees.
*Comparison rate warning: The comparison rate is based on a loan of $150,000 over a term of 25 years, principal and interest. Fees included are the application fee, estimated legal fee, settlement fee, estimated valuation fee, applicable annual fees and discharge fee. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
The information in this article is general in nature and does not take into account your objectives, financial situation or needs. Before acting on this information, consider whether it is appropriate for you and seek independent financial advice.
WLTH Lend Pty Ltd CRN 525 873 as authorised by WLTH Pty Ltd AFSL & ACL 525 752.
