Horizon Bank home loans

Horizon Bank has home loan rates starting from 5.99%.

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Richard Whitten

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Horizon Bank

Key takeaways

  • It's an online, customer owned lender based in Wollongong NSW.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as savings accounts and insurance.

Compare Horizon Bank home loans for October 2026

$
years
5 of 40 results
Checked 17 October 2026
Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Features Monthly Payment
Horizon Bank logo
Finder score
9.8 Excellent
Horizon Bank First Home Buyer Loan
Finder score
9.8 Excellent
Interest Rate
6.19%
Comparison Rate
6.20%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Interest only30% min. equityOwner-occupierOffset account
Monthly Payment
$3,063
per month
View details
Compare product selection
Horizon Bank logo
Finder score
9.7 Excellent
Horizon Bank First Home Buyer Loan
Finder score
9.7 Excellent
Interest Rate
6.44%
Comparison Rate
6.45%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Interest only30% min. equityInvestmentOffset account
Monthly Payment
$3,144
per month
View details
Compare product selection
Horizon Bank logo
Finder score
9.6 Excellent
Horizon Bank First Home Buyer Loan
Finder score
9.6 Excellent
Interest Rate
6.59%
Comparison Rate
6.60%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Interest only5% min. equityInvestmentOffset accountLMI
Monthly Payment
$3,193
per month
View details
Compare product selection
Horizon Bank logo
Finder score
9.6 Excellent
Horizon Bank First Home Buyer Loan
Finder score
9.6 Excellent
Interest Rate
6.24%
Comparison Rate
6.25%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest30% min. equityInvestmentOffset account
Monthly Payment
$3,079
per month
View details
Compare product selection
Horizon Bank logo
Finder score
9.6 Excellent
Horizon Bank Fixed Rate Home Loan
Finder score
9.6 Excellent
Interest Rate
6.59%
Comparison Rate
6.98%
Fees
  • Application: $350
  • Ongoing: $0 p.a.
Principal & Interest 3Y Fixed30% min. equityInvestmentOffset account
Monthly Payment
$3,193
per month
View details
Compare product selection
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Showing 5 of 40 results
Finder Awards badge

Congratulations, Horizon Bank!

Horizon Bank was a big winner in the 2026 Finder Awards.

  • Highly Commended, Best Owner Occupier 1 year Fixed Home Loan: Horizon Bank Fixed Rate Home Loan - 1 Year Fixed LVR Less Than 70% (Owner Occupier)
  • Highly Commended, Best Investor P&I 1 Year Fixed Home Loan: Horizon Bank Fixed Rate Home Loan - 1 Year Fixed LVR Less Than 70% (Investor, P&I)
  • Highly Commended, Best Investor IO 1 Year Fixed Home Loan: Horizon Bank Fixed Rate Home Loan - 1 Year Fixed LVR Less Than 70% (Investor, IO)

Full list of 2026 home loans winners

Horizon Bank home loan features

FeatureDetails
Minimum depositIt's possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsHorizon Bank does not allow you to make interest only repayments on its loans.

How do I apply for a mortgage from Horizon Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Horizon Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

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What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Sources

Richard Whitten's headshot
Senior Money Editor
Add to Preferred Sources

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 756 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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