Home Loan Finder™ – Home Loan Comparison Service

Compare home loan rates or speak with a mortgage broker

Our free home loan comparison service compares hundreds of loans from a variety of lenders, including banks, building societies, credit unions, online lenders and more, so you can find the best home loan when refinancing, buying your first home, investing or buying a property through your SMSF.

You can also use our range of free home loan calculators to find out estimates of how much you might be able to borrow, how much your repayments might be and more.

Compare home loans in the tables below and on the rest of the site using the headings to sort through interest rates, maximum loan-to-value ratio (the maximum amount of your property value you can borrow), or their annual and application fees. You can click on the loan title to read a review and learn more, or click the ‘Go to Site’ button to go direct to the lenders website. Or, you can speak to a qualified mortgage broker to confirm your home loan decision.

Comparison of Lenders & Mortgage Brokers

Rates last updated December 21st, 2014
Interest Rate (p.a.) Comp Rate^ (p.a.) App Fee / Annual Fee Max LVR Monthly Payment
Loans.com.au Dream Home Loan Offset Variable - <90% LVR
Pay no application fee when you take up this low rate variable home loan offer with a 100% offset account facility. Backed by Firstmac, loans.com.au is an award winning home loan lender.
4.48% 4.50% $0 / $0 90% Go to site More info
NAB National Choice Package Home Loan - 5 Year Fixed
Lock in a fixed interest rate for 5 years and pay no application fee.
4.99% 5.54% $0 / $395 95% Go to site More info
CUA Fresh Start Home Loan
100% offset account and a low variable interest rate.
4.65% 4.66% $0 / $0 80% Go to site More info
Bankwest Online Home Loan
Exclusive online offer. Applicants must apply online to secure this rate.
4.88% 4.89% $0 / $0 80% Go to site More info
Heritage Bank Discount Variable Home Loan - Special Rate LVR <= 80%
This discounted variable home loan offer is only available for a limited time.
4.39% 4.40% $0 / $0 80% More info
HSBC Home Value Loan
HSBC Home Value Loan offers a low variable interest rate with no monthly fees.
4.80% 4.86% $600 / $0 90% Go to site More info
Bank of Queensland Clear Path Variable Rate Home Loan - Standard
A variable rate interest home loan offer with offset and redraw facility. No application fee.
4.87% 5.00% $0 / $120 95% Go to site More info
NAB National Choice Package Variable Rate - ($250,000 to $499,999)
A great variable package home loan from NAB which includes offset and redraw features. No application fee to pay.
5.08% 5.46% $0 / $395 95% Go to site More info
Newcastle Permanent Fixed Rate Home Loan - 2 year fixed
Fix the interest rate for 2 years and have an option to split the loan. Also enjoy a $1000 cashback.
4.39% 5.37% $0 / $0 95% Go to site More info
Resi Home Loans Flexi Fix - 1 Year Fixed Rate LVR < 80%
A low interest fixed rate to purchase, refinance an owner occupied premise.
4.59% 5.35% $0 / $330 80% Go to site More info
IMB Fixed Rate Home Loan - 1 Year Fixed >$250,000 (LVR < 90%)
Save on interest with a fixed interest term with a loan that allows additional repayments in the fixed term.
3.99% 5.33% $445 / $72 90% Go to site More info
Citibank Mortgage Plus Standard Variable Rate - LVR ≤ 80%
Apply for this discounted variable rate package from Citibank and receive this limited time special offer.
4.68% 5.03% $0 / $350 80% Go to site More info
Greater Building Society Discount Ultimate Home Loan - $300K+ and LVR <80%
A discounted home loan package with offset account and a fee free transaction account.
4.74% 5.12% $0 / $375 95% Go to site More info
Resi Home Loans Flexi Fix - 3 Year Fixed Rate LVR < 80%
A low fixed rate home loan option with split rate facility and no application fee.
4.79% 5.34% $0 / $330 80% Go to site More info
eMoney PRIME Variable Rate Home Loan Propack- LVR <= 80% $500K+
A competitive home loan offer for large sized borrowings.
4.45% 4.81% $0 / $330 80% Go to site More info
NAB National Choice Package Home Loan - 2 Year Fixed
A low fixed rate home loan package with offset. No application fee.
4.84% 5.58% $0 / $395 95% Go to site More info
HSBC Premier Home Loan
A discounted package loan for borrowings over $500 000. Includes 100% offset facility.
4.78% 5.19% $0 / $420 90% Go to site More info
Greater Building Society Ultimate Fixed Rate Home Loan - 1 Year Fixed
An attractive 1 year fixed home loan offer which allows redraw access.
4.29% 5.25% $0 / $375 95% Go to site More info
ING  DIRECT Orange Advantage Loan - $250K+ (LVR ≤ 80%)
Enjoy a home loan package which includes a 100% offset facility with no annual fee for the first year.
4.83% 5.02% 0 / $199 80% Go to site More info
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate
Borrow up to and fix in a 3 year home loan rate. Access your account via internet and phone banking.
4.79% 5.81% $300 / $120 95% Go to site More info
CUA Fixed Rate Home Loan - 3 Year Fixed
Lock in a competitive rate for three year with CUA.
4.69% 5.26% $600 / $0 95% Go to site More info
NAB National Choice Package Home Loan - 3 Year Fixed
Fixed interest terms for 3 years and further discounts on NAB products.
4.94% 5.57% $0 / $395 95% Go to site More info
Aussie Mortgage Broker Deal
Access a great low rate through Aussie Mortgage Brokers.
4.69% 4.70% $0 / $0 95% Go to site More info

Comparison of Lenders & Mortgage Brokers
Choice Home Loans

Choice Home Loans is an innovative Australian mortgage brokering company with access to loans from a large number of diverse lenders. They can help first home buyers, investors, and those buying their next home or refinancing. Fill out the form on the left and a broker from Choice Home Loans will contact you at a suitable time to discuss your options for free.

Loans.com.au Dream Home Loan Offset Variable - <90% LVR

Refinance Home Loan Offer

A low interest home loan offer with $0 application fee.

  • Interest Rate of 4.48% p.a.
  • Comparison Rate of 4.50% p.a.
  • Application Fee of $0
  • Maximum LVR: 90%
  • Minimum Borrowing: $50,000
  • Maximum Borrowing: $2,000,000

We’re here to help along every step of your home loan comparison. You can contact us at any stage by leaving a comment on any page or sending an email to our help@finder.com.au.

An overview of the comparison process using finder.com.au is below.

Begin by finding the home loan type you want from the left sidebar. We compare almost every home loan type including variable, fixed, low doc, bad credit, SMSF and package home loans.


Next, compare the loans on the page and sort using the table to find the right loan for you. You can click on the loan to read a review and find out more, or you can speak with a mortgage broker if you want professional advice.


Once you've found a loan you're interested in, you can click the 'Go to site' button to be securely redirected to the lender's website to start an obligation-free discussion or begin an application.


Read more on this topic

  • Bank of Queensland Clear Path Variable Rate Home Loan - Standard Bank of Queensland Clear Path Variable Rate Home Loan - Standard A variable home loan with offset account. Borrow up to 95% LVR. More info
  • Bankwest Online Home Loan Bankwest Online Home Loan Enjoy no application fee, an online redraw facility, and flexible repayment options with this loan. More info
  • NAB National Choice Package Home Loan - 5 Year Fixed NAB National Choice Package Home Loan - 5 Year Fixed Enjoy a competitive variable rate package loan from NAB. More info
  • Newcastle Permanent Fixed Rate Home Loan - 2 year fixed Newcastle Permanent Fixed Rate Home Loan - 2 year fixed A high maximum LVR with $1000 cashback offer currently available for those refinancing. More info

Ask a Question

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

61 Responses to Home Loan Finder™ – Home Loan Comparison Service

  1. Default Gravatar
    aziz | December 4, 2014

    can I refinance home loan to settle my credit with AKPK

    • Staff
      Shirley | December 5, 2014

      Hi Aziz,

      Thanks for your question.

      It looks like AKPK is a educational service, it seems like they don’t issue any products themselves.

      It’s advisable that you get in touch with them directly to discuss any credit needs you may have.


  2. Default Gravatar
    KS | December 4, 2014

    My husband has an investment loan and an offset acct linked to it, both in his name. I want to start either making regular monthly payments into the offset account or depositing my whole salary into it. In both cases I’d like to be able to get access and make withdrawals from this account as well. Can this be made and how, or there is no way at all (making it a joint account even it is not now, or something similar – I’ve heard a term ‘signatory to the investment home loan’ – without fees or refinancing)
    Thank you

    • Staff
      Shirley | December 4, 2014

      Hi KS,

      Thanks for your question.

      It will depend on your lender, but in most cases if you’d like your name on the title of the property too it might involve refinancing.

      Signatory authority means that you’ll be able to use and deposit into the offset account, but it might not mean that you’re automatically added to the title of the property.

      Please get in touch with your lender directly and they’ll be able to explain what options are available to you.

      All the best,

  3. Default Gravatar
    TST | November 26, 2014


    My wife and I are looking to purchase a home. We will have at least 10% deposit and a decent combined income. The issue is a default against my name due to a credit card debt being handed to a credit company. I nearly have the debt paid, but there is a default listed in my name.

    It also does not look good because I have only been paying the $4000 debt back at $100 per fortnight, plus a few lump sums here and there. I will have it completely paid by early next year. I know things like this are hard to comment on since you do not have all details.

    My query lies with what suggestions you have to better my chances at having a home loan approved. I have read about credit repair but know very little about it. Could you offer some advice?

    Many thanks.

    • Staff
      Shirley | November 27, 2014

      Hi TST,

      Thanks for your question.

      You may want to approach a mortgage broker that specialises in bad credit home loans. Lenders such as Pepper Home Loans and Fox Symes also specialise in issuing home loans for people with bad credit.

      Repairing your credit is another option, but since it’s a default listed on your credit history, generally you’ll need to wait a certain period of time before they’re removed. However, it’s advisable that you speak to a credit agency about this to discuss your options.

      All the best,

  4. Default Gravatar
    Jill | November 22, 2014

    How can I get a housing loan on a pension?

    • Staff
      Shirley | November 24, 2014

      Hi Jill,

      Thanks for your question.

      Please check out our guide ‘home loans for pensioners’. It’s advisable that you speak to a mortgage broker to discuss your options and eligibility.


  5. Default Gravatar
    Shaun | October 31, 2014

    Are there any lenders that will allow you to borrow 100% of the value of a property?

    • Staff
      Shirley | October 31, 2014

      Hi Shaun,

      Thanks for your question.

      Unfortunately 100% home loans are only available if you have a guarantor. If you’d like to know more about these types of loans, please see this page.


  6. Default Gravatar
    George | October 27, 2014

    My daughter is earning $40,000 per year minimum How much could she borrow for a new home loan?

    • Staff
      Shirley | October 27, 2014

      Hi George,

      Thanks for your question.

      Please use our borrowing power calculator to help give you an indication of how much your daughter can borrow.


  7. Default Gravatar
    Charelle | October 13, 2014

    i have paid up all my bad debt am just having 3 more accounts being debited from my account is this a problem to find a place that will give me a homeloan for my first house

    • Staff
      Shirley | October 14, 2014

      Hi Charelle,

      Thanks for your question.

      It might be a good idea to check your credit history first to see where you stand. If you have a good credit standing then you’ll be eligible for most home loans on the market. If you currently have bad credit, you may want to have a look at our bad credit home loans page.

      Alternatively you may want to speak to a mortgage broker, they’re home loan experts who can help you find the right loan for your situation.


  8. Default Gravatar
    Luke | September 15, 2014

    Hey guys currently have a home loan with keystart. With 337,000 left to pay
    But am currently looking at refinancing got an offer from ANZ for 5.08% on their break free package. Just wondering what other options are out their that will be best suited for me and my wife.. We haven’t got our house revalueated just yet but are looking at it being 450,000.. Thanks

    • Staff
      Marc | September 16, 2014

      Hi Luke,
      thanks for the question.

      There are many home loan options out there for all types of borrowers in the home loans market, but what suits you will depend on your lifestyle and your goals. Generally speaking it’s a good idea to compare a range of loans including package home loans and a range of fixed and variable rate home loans to see what’s being offered.

      Remember that it’s not just the rate which is important when comparing loans, but also the fees you’ll pay (including ongoing fees such as annual or monthly fees), and the features you’ll use.

      Another way you can get more in-depth personal advice is through a mortgage broker. They will look into your lifestyle and come up with different home loan options which will suit you. Their services are generally free, as they receive a commission from the lender you choose to go with.

      I hope this helps,

  9. Default Gravatar
    Peter | June 23, 2014

    I currently have 3 invetment properties with a combined loan around $1.4m.These are cross securitised on a fixed interest rate 4.84% with St George on a Portfolio Loan plan.

    The interest rates offered are lower than mine and would ask if the 4.54% rate was available to me.
    All are under the 80%LVR

    • Staff
      Shirley | June 24, 2014

      Hi Peter,

      Thanks for your question.

      The loan is suitable for refinancing investment properties. If you would like to enquire about this with loans.com.au, please click ‘enquire now’ or ‘go to site’.


  10. Default Gravatar
    Byron | May 28, 2014

    Hello! Thanks for reading my questions. I bought a house for $480000 two years ago, I got home loan $350000. Now I pay off all the loan fees.
    Now I like a house as $650000, but I don’t have saving, we are a couple, can we get a home loan as 100%? How can we apply for it?

    Yours faithfully

    • Staff
      Shirley | May 28, 2014

      Hi Bryon,

      Thanks for your question.

      Unfortunately 100% home loans don’t exist in the market anymore after the GFC, unless you have a guarantor. Please this page for more information.

      Be mindful that there are a number of risks with guarantor loans.


  11. Default Gravatar
    Krishna | May 19, 2014

    If I shift part of my home loan from another bank, are there any fees each time I do the repayments or transfer money from another bank ?


    • Staff
      Shirley | May 21, 2014

      Hi Krishna,

      Sorry, I couldn’t understand your question.

      Generally repayments to your home loan can be made online, in person, over the phone, using BPay, Direct Debit or in the local branch of your home loan lender. There’s generally no fee for doing this, but you’ll need to confirm this with the PDS of the product.


  12. Default Gravatar
    Michael | May 18, 2014

    Hi. I am wanting to know if any of these lenders use someone else besides Genworth for their LMI?

    Thank you

    • Staff
      Marc | May 19, 2014

      Hi Michael,
      thanks for the question.

      The two main LMI providers in Australia are Genworth and QBE. There are also smaller insurers, and some banks will source their own insurance policies. You may want to contact the lenders you’re interested in applying with directly and find out which insurer they use for LMI.

      I hope this helps,

  13. Default Gravatar
    jade | March 21, 2014

    I have applied for a hone loan and the bank manager has told me I have 2 defaults on my credit file. One electricity bill which was not my fault and a phone account that was not finalised. Will this effect my home finance being approved?

    • Staff
      Marc | March 24, 2014

      Hi Jade,
      thanks for the question.

      Unfortunately it’s difficult to say as each lender has their own unique lending criteria which they use to evaluate borrowers. We’ve got some information on bad credit and how this can effect borrowers on this page.

      I hope this helps,

  14. Default Gravatar
    Sue | February 12, 2014

    i am a co owner paying a joint mortgage on a home. i wish to buy a second home. Am I able to use the equity in my half of the home I am paying off instead of a deposit?Thanks

  15. Default Gravatar
    Sue | January 10, 2014

    I am looking for a fixed rate home loan – are any of those displayed on your website fixed? I can’t see any field defining this.

  16. Default Gravatar
    Jatami | January 7, 2014

    I am currently renting and would like to buy an investment property in country NSW, the rent I would receive is around $260 per week, the asking price is $225000. I will put in around $14000 – $15000, what is my chance of getting the finance?

    • Staff
      Marc | January 8, 2014

      Hello Jatami,
      thanks for the question.

      Each loan provider has a different lending criteria which they use to approve loans, so unfortunately there’s no easy answer. You may wish to compare the various home loans on our site, and then contact the lender directly before making any formal application to find out what kinds of things they might be looking for. Also, look at the eligibility criteria for each loan, as this will help you decide whether or not it’ll be available for you.

      I hope this helps,

  17. Default Gravatar
    maryanne | November 28, 2013

    I wish to buy a property but have the full purchase price in hand – hence no need for a loan. Please tell me what fees and charges are payable on the purchase.

  18. Default Gravatar
    Harpreet | November 23, 2013

    “I got my gem visa card today and i want to register online but i cant because i forgot my The security password on my account created during my application plz help me ta.”

    • Staff
      Marc | November 25, 2013

      Hello Harpreet,
      thanks for the question.

      I’d recommend that you call GEM directly to sort this issue out.\


  19. Default Gravatar
    Rahath | November 21, 2013

    Why do some of the products listed here say max lvd 80% where in fact I know some of them do allow 95%? i.e. ANZ simplicity plus loan.

    • Staff
      Marc | November 22, 2013

      Hello Rahath,
      thanks for the question.

      This is the maximum LVR without attracting Lender’s Mortgage Insurance (LMI) premiums. If you read the table on the review page for any loan on the site it’ll display both this LVR and the maximum insured LVR, which in the case of the loan above is as you correctly stated 95%.

      I hope this helps,

  20. Default Gravatar
    Bridget | October 5, 2013

    I want to buy out the co owner of my home in the ACT. I presently have a mortgage with Ubank and they have said that they would not increase my mortgage so I could pay him out. Would other banks/credit unions allow me to do so? I can afford the extra loan payment.

    • Staff
      Shirley | October 7, 2013

      Hi Bridget,

      Thanks for your comment.

      You may want to have a look at our refinancing home loans and then increase the loan amount when you decide to apply.

      Hope this helps,

  21. Default Gravatar
    Martin | October 2, 2013

    What is the easiest way to compare mortgage features rather than interest rates. I have a set features that I want with a mortgage and I want to compare mortgages based on those features?

    • Staff
      Marc | October 2, 2013

      Hello Martin,
      thanks for the question!

      It’s great that you’ve gotten a list of the features you want rather than simply the interest rate, this is a great way to start a comparison.

      If you have an idea of the broad category of loan you want (e.g variable rate loan), one way you can compare them is to view the table on the relevant page and click the check box on the left side of the table.

      Then click the compare button at the top of the table and you’ll be able to view the loans side-by-side to see if they have the features you’re after.

      I hope this helps,

  22. Default Gravatar
    Johno | September 30, 2013


    I was wondering if anyone can give me information of where to start looking for a property in Canberra. I’ve been told about a website which looks good, but it’s new and there aren’t any suitable properties on it at the moment. We’d like to secure a place to rent for six months, before we come in 4 weeks. We may then buy. Any suggestions please?

    • Staff
      Shirley | September 30, 2013

      Hi Johnnash,

      Thanks for your comment.

      You may want to try websites such as domain.com.au or realestate.com.au – let us know how you go.


  23. Default Gravatar
    peter | September 20, 2013

    Which financial institutions offer fixed rate loans will offset?

    • Staff
      Marc | September 23, 2013

      Hello Peter,
      thanks for the comment!

      There are many institutions that will offer offset accounts with fixed rate loans. Be careful with these, as not all of them will be 100% offset accounts. Some may offset only a smaller percentage of your funds, such as the Bankwest Fixed Rate Home Loan which has a 40% offset account option.

      Here are some providers who have offset accounts with their fixed rate loans:
      CUA Premium Fixed Rate Home Loan – this has a 100% offset account
      CBA Fixed Rate Home Loan – ‘Partial’ offset account
      Adelaide Bank SmartFix Home Loan – 100% offset account

      I hope this helps,

  24. Default Gravatar
    Jase | September 17, 2013

    Hi there,

    Which mortgage lender provides the cheapest variable interest rate, interest only please?



    • Staff
      Shirley | September 18, 2013

      Hi Jase,

      Thanks for your comment.

      Please have a look at our best home loans page, you can sort through the interest rates by clicking on the arrows in the blue table.

      When browsing through loans, please check the ‘repayment type’ row to see if they allow interest only repayments.

      Hope this helps,

  25. Default Gravatar
    Richrd | August 6, 2013

    Dear Sir/Ms,

    I am interested in obtaining home loan and would really appreciate if you could please kindly advice how much I am able to borrow and what options are there?

    Look forward to your favorable response soon.

    Yours sincerely,


    • Staff
      Shirley | August 6, 2013

      Hi Richard,

      Thanks for your comment.

      Please use our borrowing power calculator to give you and indication.

      After you’ve determine how much you can borrow, you may want to compare our best featured home loans.

      If you need any assistance explaining features or jargon, please let us know.


  26. Default Gravatar
    Daisy | July 30, 2013

    Hi we are switching our lender from Wespac to Nab.Nab offered a 5.03 interest rate with a trailing factor of 1.1 for the life of the loan.Is this a good offer? And is it wise to fix interest rates now?

    Thank you


    • Staff
      Shirley | July 30, 2013

      Hi Daisy,

      Thanks for your comment.

      If you compare the 5.03% p.a interest rate with our best home loans, it is quite a competitive deal in comparison to the big banks.

      In terms of whether fixing interest rate is right for you, you will have to ask a financial planner as Finder.com.au is only licensed to give general advice.

      Hope this helps,

  27. Default Gravatar
    Cherryl | July 19, 2013

    If you take out a home loan and pay it back early, are there any penalties?

  28. Default Gravatar
    Antonio | July 3, 2013

    Receiving disabiliti pension from Centrelink
    I need money to repair the car $ 2,500
    Is there a bank that provides soft loans
    Pensioner?? thanks

    • Staff
      Shirley | July 3, 2013

      Hi Antonio,

      Thanks for your comment.

      This article may help you.
      Most financial institutions tend to accept Centrelink payments as suitable income so you may want to compare personal loans as well.


  29. Default Gravatar
    sameer | June 25, 2013

    Thanks, those listed options can help to compare.

  30. Default Gravatar
    sameer | June 25, 2013

    justing wondering why CBA is not included in the list…curious to know where they stand.
    thanks indeed!

    • Staff
      Shirley | June 25, 2013

      Hi Sameer,

      Thanks for your comment.

      We aim to provide a comparison of all services and we cover a wide range of products, providers and services in the market so there may be other options available to you.


  31. Default Gravatar
    chantelle | June 19, 2013

    my husband and I are wondering if there is someone who will give us a house loan when we do not have a deposit?

    • Staff
      Shirley | June 19, 2013

      Hi Chantelle,

      Thanks for your comment.

      It is possible to get a home loan without a deposit, but you will need a guarantor. Please keep in mind that if you default on the loan your guarantor will also be held responsible.

      A mortgage broker will be able to help you find a guarantor loan.


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