Age Pension calculator| Loan terms & conditions | Safe harbour requirements |
|---|---|
Interest rate – fixed or variable |
2025–26: 8.95% 2024–25: 9.35% |
Loan term |
Variable interest rate loan (original) – 15-year maximum loan term (for both residential and commercial) Variable interest rate loan (re‑financing) – maximum loan term is 15 years less the duration(s) of any previous loan(s) relating to the asset (for both residential and commercial) |
Maximum loan to value ratio |
Maximum 70% LVR for both commercial and residential property |
Super Topics
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Loan
terms & conditionsSafe harbour requirements Interest rate – fixed or variable
2025–26: 10.95%
2024–25: 11.35%
Loan term
Variable interest rate loan (original) – 7-year maximum loan term
Variable interest rate loan (re‑financing) – maximum loan term is 7 years less the duration(s) of any previous loan(s) relating to the collection of assets.
Maximum loan to value ratio
Maximum 50% LVR
For further information on the safe harbour guidelines refer to PCG 2016/5.