Home Loan Finder™

Compare First Home, Mortgage Refinancing & Investment Loans

The finder™ home loan comparison service is 100% free and Australian owned and can be used for comparing home loans issued by Australian banks and also providing a comparison of mortgage brokers.

In order to make the process of finding the best home loan easier for you, our website provides you with information on the various types of home loans available, as well as comprehensive reviews of products offered by Australian lenders. Whether you are looking to buy your first home, refinance or planning to invest, we offer the latest interest rates to genuinely help you make a better decision on which home loan to select and apply for.

Comparison of Home Loans

Interest Rate (p.a.) Comp Rate^ (p.a.) App Fee / Annual Fee Max LVR
Loans.com.au Dream Home Loan - <80% LVR
Loans.com.au Dream Home Loan - <80% LVR
Pay no application fee when you take up the Blackboard Special variable home loan offer. 4.49%
4.51%
$0 / $0 80% Go to siteMore info
HSBC Home Value Loan
HSBC Home Value Loan
HSBC Home Value Loan offers a low variable interest rate with no establishment and no monthly fee. 4.75%
4.75%
$0 / $0 80% Go to siteMore info
ME Bank Standard Fixed Rate Home Loan - 3 Year Fixed Rate (Eligible Members)
ME Bank Standard Fixed Rate Home Loan - 3 Year Fixed Rate (Eligible Members)
No application fee or ongoing account keeping fees when you lock in a 3 year fixed rate. 4.69%
5.21%
$0 / $0 95% Go to siteMore info
Newcastle Permanent Premium Plus Package Home Loan - Tier 1: <$500k
Newcastle Permanent Premium Plus Package Home Loan - Tier 1: <$500k
Pay no application fee with this variable rate packaged home loan offer from Newcastle Permanent. 5.07%
5.41%
$0 / $375 95% Go to siteMore info
ING DIRECT Mortgage Simplifier Home Loan - $250K+ (LVR >80%)
ING DIRECT Mortgage Simplifier Home Loan - $250K+ (LVR >80%)
No ongoing monthly, annual or transaction fees on this variable rate interest home loan. Option to upgrade to Smart Pack for a further interest discount. 5.16%
5.16%
$0 / $0 80% Go to siteMore info
NAB National Choice Package Home Loan - 2 Year Fixed
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 / $0 95% Go to siteMore info
ING DIRECT Mortgage Simplifier Home Loan - $250 to $500K (LVR <80%)
ING DIRECT Mortgage Simplifier Home Loan - $250 to $500K (LVR <80%)
A discounted variable interest loan from ING DIRECT. 4.88%
4.88%
$0 / $0 80% Go to siteMore info
Bankwest Online Home Loan
Bankwest Online Home Loan
Exclusive online offer. Applicants must apply online to secure this rate. 4.88%
4.89%
$0 / $0 80% Go to siteMore info
ING  DIRECT Orange Advantage Loan - $250 to $500K (LVR <80%)
ING DIRECT Orange Advantage Loan - $250 to $500K (LVR <80%)
Enjoy a home loan package which includes a 100% offset facility with no annual fee for the first year. 4.88%
5.07%
$0 / $199 80% Go to siteMore info
NAB National Choice Package Variable Rate - ($250,000 and above)
NAB National Choice Package Variable Rate - ($250,000 and above)
A great package home loan offer from NAB. 5.08%
5.46%
$0 / $0 95% Go to siteMore info
Bank of Queensland Clear Path Variable Rate Home Loan
Bank of Queensland Clear Path Variable Rate Home Loan
A variable rate interest home loan offer from Bank of Queensland. No application fee. 4.87%
5.00%
$0 / $120 80% Go to siteMore info
Newcastle Permanent Fixed Rate Home Loan - 2 year fixed
Newcastle Permanent Fixed Rate Home Loan - 2 year fixed
Fix the interest rate for 2 years and have an option to split the loan. 4.69%
5.42%
$550 / $0 95% Go to siteMore info
Yellow Brick Road Rate Smasher Home Loan
Yellow Brick Road Rate Smasher Home Loan
A low variable interest rate home loan with up to 70% LVR. and access to redraw. Pay no ongoing monthly or annual fees. 4.68%
4.69%
$0 / $0 70% Go to siteMore info
ANZ Breakfree Home Loan Package - $250,000 to $499,999
ANZ Breakfree Home Loan Package - $250,000 to $499,999
A variable rate home loan package with no application fee. 5.08%
$0 / $375 80% Go to siteMore info
Resi Essentials Plus Variable Home Loan
Resi Essentials Plus Variable Home Loan
Pay no establishment fee with the Resi Essential Plus Variable Home Loan and secure a low interest variable loan. 4.89%
5.26%
$0 / $330 80% Go to siteMore info
Newcastle Permanent Fixed Rate Home Loan - 3 year fixed
Newcastle Permanent Fixed Rate Home Loan - 3 year fixed
Fixed interest terms for 3 years. Split loan option available. 4.99%
5.43%
$550 / $0 95% Go to siteMore info
HSBC Fixed Rate Home Loan - 3 Year Fixed Rate
HSBC Fixed Rate Home Loan - 3 Year Fixed Rate
A low rate fixed home loan with no service fee. 5.09%
5.34%
$600 / $0 80% Go to siteMore info
Citibank Mortgage Plus - Standard Variable Offset  >500K (80% LVR)
Citibank Mortgage Plus - Standard Variable Offset >500K (80% LVR)
A variable rate packaged loan offer with offset feature 4.83%
5.18%
$0 / $350 80% Go to siteMore info
HSBC Fixed Rate Home Loan - 1 Year Fixed Rate
HSBC Fixed Rate Home Loan - 1 Year Fixed Rate
A fixed rate home loan offer that reverts to a discounted variable rate after the term. 4.49%
5.33%
$600 / $0 80% Go to siteMore info
RAMS Discount Home Loan
RAMS Discount Home Loan
A discounted variable interest rate loan offer for the first year. No application fee for a limited time. 4.65%
4.99%
$595 / $0 95% Go to siteMore info
Aussie Mortgage Broker Deal
Aussie Mortgage Broker Deal
Access a great low rate through Aussie Mortgage Brokers. 4.74%
5.00%
$355 / $395 80% Go to siteMore info
RAMS Low Rate Home Loan
RAMS Low Rate Home Loan
Options to borrow up to 97% LVR - a competitive low rate home loan option. 5.19%
5.25%
$595 / $0 95% Go to siteMore info
AMP Bank Essential Home Loan
AMP Bank Essential Home Loan
A great variable home loan offer from AMP. A basic home loan offer with the essentials. 4.90%
4.92%
$0 / $0 80% Go to siteMore info
Citibank Fixed Rate Loan - 2 Year Fixed Rate
Citibank Fixed Rate Loan - 2 Year Fixed Rate
Citibank have released this low rate fixed rate option. Lock in this rate and get certainty with your repayments. 4.79%
6.06%
$399 / $96 90% Go to siteMore info
Homeloans Ultra Plus Home Loan - Below 80% LVR
Homeloans Ultra Plus Home Loan - Below 80% LVR
No application fee and a low rate variable offer. 4.84%
5.17%
$0 / $330 80% Go to siteMore info
Enter your details to speak with a Mortgage Broker
eChoice Home Loans

Home Loan Finder™ is dedicated to genuinely helping you make the right home loan choice. Below is an overview of the process you will go through when researching and comparing home loans on our website:


Find home loans offered by Australia's leading bank and non-bank lenders via the type or provider menu in the left sidebar. Review mortgage brokers that can help negotiate a better rate for you.

Find

Compare home loan offers by interest rate, features and fees in our comparison tables to help you find the right deal.

Compare

Click ‘Enquire’ on our tables to be redirected to the bank website where you will be able to enter your contact details to be contacted by the lender or apply directly for the loan online.

Apply
  • Single Income Home Loans

    At some point in most of our lives, the decision of who to borrow from to buy a home will have to be made. If you are on a single income, it might feel that the chances of being approved or being able to meet your repayments are small, but this is not necessarily the case. Nowadays, banks and lenders offer specified loan contracts to suit all kinds of life circumstances. Take the time to compare your options and take advantage of the many borrowing and budgeting tools available.

  • ING DIRECT Mortgage Simplifier Home Loan

    The ING DIRECT Mortgage Simplifier variable rate home loan comes with an array of features. For starters, if gives you the ability to get a discount on your interest rate. All you have to do is pay a nominal one-time fee. You can also look forward to a discounted interest rate if you borrow a significant sum.

    This home loan allows you to make multiple repayments without charging any penalty, which allows you to pay the loan off earlier than its original term. If, at any point, you wish to withdraw the surplus that you’ve paid, you can do so as well.

  • Interest Only Home Loan Calculator

    Interest only mortgages are for those looking to refinance their homes in the long-run or individuals who want to save on monthly payments now with the knowledge that they’ll be able to afford higher payments in the future, either as extra income from other investments or as a result of clearing up current debt obligations they have.

    When you decide to take an interest only mortgage, you should use an interest only home loan calculator to find out how much you will be required to pay on your home loan interest depending on the amount borrowed and the interest only loan term provided by your lender. The calculator will clearly show you the total interest payable during the mortgage term and the repayment frequency allowed by that particular mortgage provider.

  • ING DIRECT Orange Advantage Loan

    The ING DIRECT Orange Advantage variable rate home loan is suitable for people who’re looking for home loans that come with offset features. How does it help? By simply depositing your income in the linked offset account you can benefit by paying lesser in the form of interest. This home loan does not require you to pay application fees, and attracts a nominal annual fee. If you intend to borrow more than $250,000, you can avail of discounted interest rates. This home loan offers repayment flexibility and also gives you the ability to redraw.

  • Stamp Duty Calculator

    When purchasing a house you will most likely have to pay a government fee of stamp duty Find out more about this relatively common fee charged on a new purchases. What is Stamp Duty When you are looking to buy a home, you will be required to pay a variety of fees and charges upfront. [...]



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.
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37 Responses to Home Loan Finder™

  1. 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,
      Marc.

  2. 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

  3. 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.
    Thans

  4. 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,
      Marc.

  5. 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.

  6. 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.\

      Cheers,
      Marc.

  7. 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,
      Marc.

  8. Default Gravatar
    Bridget | October 5, 2013

    Hi,
    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.
    Thanks.

    • 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,
      Shirley

  9. 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,
      Marc.

  10. Default Gravatar
    Johno | September 30, 2013

    Hello

    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.

      Cheers,
      Shirley

  11. 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,
      Marc.

  12. Default Gravatar
    Jase | September 17, 2013

    Hi there,

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

    Cheers,

    Jase

    • 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,
      Shirley

  13. 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,

    Richard

    • 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.

      Cheers,
      Shirley

  14. 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

    Daisy

    • 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,
      Shirley

  15. Default Gravatar
    Cherryl | July 19, 2013

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

  16. 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.

      Cheers,
      Shirley

  17. Default Gravatar
    sameer | June 25, 2013

    Thanks, those listed options can help to compare.

  18. Default Gravatar
    sameer | June 25, 2013

    hi
    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.

      Cheers,
      Shirley

  19. 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.

      Cheers,
      Shirley

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