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Apex Capital & Wealth

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Smarter Lending & High-Yield Savings

Smarter Home Lending & High-Yield Australian Banking.

Compare 100% offset variable home loans with $3,000 AUD refinance cashback, 5.35% p.a. Horizon savings, and 0% FX margin international transfers in the Apex Mobile App.

Flexi Variable (≤80%)
6.14% p.a.
6.18% p.a. comparison
3-Year Fixed P&I
5.74% p.a.
6.05% p.a. comparison
Horizon Bonus Savings
5.35% p.a.
Up to $250,000 AUD
Refinance Cashback
$3,000
Loans ≥$500k (LVR ≤80%)
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Grounded Knowledge Workbench

Apex Capital & Wealth Knowledge Base Coverage (AUD $)

All interest rates, comparison rates, and fees below are indexed for Aura.

Home Lending

Variable & Fixed Home Loans

  • • Flexi Variable (Owner-Occupier P&I): 6.14% p.a. (6.18% p.a. comp) LVR ≤80%; 6.44% p.a. (6.48% p.a. comp) LVR 80–90%. Investor Variable P&I: 6.39% p.a. (6.43% p.a. comp).
  • • Fixed P&I (LVR ≤80%): 1-Yr 5.99% (6.16% comp) | 2-Yr 5.79% (6.09% comp) | 3-Yr 5.74% (6.05% comp). Up to $20,000 AUD/yr extra repayments without break costs.
  • • Cashback & Offset Accounts: Up to 10 free 100% offset accounts, $0 application/monthly fees ($350 AUD settlement fee), and $3,000 AUD refinance cashback (loans ≥$500k, LVR ≤80%).
Deposits & Everyday Banking

Horizon Savings & Term Deposits

  • • Horizon High-Interest Savings: 5.35% p.a. variable up to $250,000 AUD (1.10% p.a. base + 4.25% p.a. bonus when depositing $1,000+/mth & making 5 settled debit card purchases). Balances above $250k earn 2.50% p.a.
  • • Fixed Term Deposits ($5,000 – $2,000,000 AUD): 3 Months 4.65% p.a. | 6 Months 4.95% p.a. | 12 Months 5.10% p.a. (31 days' notice required for early withdrawal).
  • • Everyday Access Account: $0 monthly fees, real-time PayID/Osko transfers, Apple/Google Pay, and $0 Australian major bank ATM withdrawal fees.
Credit Cards & Personal Lending

Platinum Velocity & Green EV Loans

  • • Platinum Velocity Rewards Mastercard: 19.99% p.a. purchase rate, $295 AUD annual fee ($0 Year 1 or waived with an active Apex Home Loan), 1.5 Velocity Points per $1 domestic (2.5 pts/$1 international), 4 complimentary airport lounge passes, 0% FX fees, and 0% p.a. 18-month balance transfer (2% fee).
  • • Low-Rate Essentials Visa: 11.99% p.a. variable purchase rate, $59 AUD annual fee ($0 Year 1), up to 55 days interest-free.
  • • Green EV & Personal Loans: Secured EV/Hybrid Car Loan at 6.49% p.a. (7.02% p.a. comp) up to $120,000 AUD. Unsecured Personal Loan at 8.99% p.a. (9.68% p.a. comp).
FX Transfers & Fraud Protection

International Wires & 24/7 Security

  • • International Wire Transfers: $0 transfer fee and 0% FX margin on major currencies (USD, GBP, EUR, NZD, SGD, CAD) sent via the Apex Mobile App ($18 AUD fee for minor currencies).
  • • Daily App Transfer Limits: Standard $25,000 AUD daily limit; temporary single-day increase up to $100,000 AUD available via in-app biometric FaceID verification.
  • • Card Lock & Dispute Resolution: Instant temporary card lock/unlock in the app. Zero-liability protection for unauthorised transactions reported promptly.