Halo Prime · 95% LVR Owner-Occupied

Where it fits

Halo Prime covers owner-occupied + first-home scenarios — 80% of Halo's clients land here. Its edge isn't rate alone; it's getting 95% LVR across the line when big banks decline.

Core policy

Metric	Halo Prime	Tier-1 banks
Max LVR	95% (FHG — no LMI)	95% (LMI payable)
Max term	30 years	30 years
Variable rate	6.24% p.a.	6.19-6.34%
3-year fixed	6.09% p.a.	6.14-6.29%
App fee	$0 (FHG) / $395 standard	$395
Annual fee	$0 Basic / $248 Offset	$395

Indicative rates as of 2026-04-22 — formal offer prevails. Offset variant supports 100% offset.

Sweet-spot scenarios

匿名 Scenario决策时效 · 52h

Profile

First home · 3 yrs PAYG · joint $95k + $55k

Scenario

Melbourne east $720k apartment, 5% deposit, FHG

结果

Halo Prime approved, LMI waived — ~$24k saved

匿名 Scenario决策时效 · 36h

Profile

Upgrader · PAYG + rental · sell-then-buy

Scenario

Net equity $980k rolled into $1.35M home, LVR 72%

结果

Halo Prime Offset — 3yr fixed locked at 6.09%

Broker submission notes

Checklist:

• 2 most recent payslips + 12 months bank statements
• FHG applicants: Centrelink income statement (if any)
• Genuine savings (3 months) for deposit source

Common decline causes:

1. HEM understated — living-expense declare too low triggers servicing recalc
2. HECS/HELP debt > $25k not offset — auto deducted from servicing
3. Joint app with one partner credit under 580 forces Tier-2 pricing

Relation to other Halo products

• Self-employed → Halo Flex — Prime needs full-doc PAYG
• Build a new home → Halo Construction — Prime doesn't do progress draws
• SMSF purchase → Halo SMSF — Prime doesn't support LRBA