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All of August’s out-of-cycle rate changes

Posted: 9 August 2018 9:36 am
News

July was the busiest month yet for out-of-cycle rate changes. What will August bring?

August's meeting officially marked two years of the Reserve Bank leaving the official cash rate on hold at 1.50%. The RBA now looks likely to leave the cash rate untouched through the rest of the year and perhaps even all of 2019, with CoreLogic's Tim Lawless speculating that a rate rise is unlikely to happen until at least January of 2020.

Lender activity doesn't look set to slow down, though. July was the year's busiest month yet for out-of-cycle rate changes. 26 lenders in Finder's database moved on rates outside the Reserve Bank.

As activity in the lending market heats up, it could be a great time to consider refinancing your home loan. We'll keep tabs on all this month's out-of-cycle rate moves in the table below, and continue to update as more lenders announce changes. Keep checking back to see if your lender has moved on rates, and if you could be getting a better deal.

Major bank changes

LenderChangeLoans affectedDate effective
ANZDown by 0.90%Simplicity PLUS Home Loan - LVR <80% Special Offer Discount (Owner Occupier, PI)August 2
Commonwealth BankUp by 0.30%Introductory Home Loan - 12 Months Discounted Loan (IO)August 13
NABUp by 0.48%Base Variable Rate Home Loan - Owner Occupier (P&I)August 13
LenderChangeLoans affectedDate effective
ANZDown by 0.10% - 0.26%Fixed Rate Home Loan - 2, 3 Years Fixed (Owner Occupier + Investor, P&I + IO), Breakfree Package Home Loan - 2, 3 Years Fixed (Owner Occupier + Investor, P&I + IO), Interest in Advance Loan (Yearly) - 2 Years With Breakfree Package + Without Breakfree PackageAugust 2
NABUp by 0.50%Choice Package Home Loan - 4 Year Fixed (Owner Occupier P&I)August 13
NABDown by 0.50%Choice Package Home Loan - 5 Year Fixed (Owner Occupier P&I), Defence Force Choice Package Fixed Home Loan - 5 YearsAugust 13

Non-major lenders

LenderChangeLoans affectedDate effective
AMPDown by 0.02% - 0.30%Professional Package Line of Credit -$100,000 to $249,999 + $250,000 to $499,999 + $500,000 to $749,999 + $750,000 and above (Owner Occupier +Investor, IO), Professional Package Variable Rate Home Loan - $100,000 to $249,999 + $250,000 to $499,999 + $500,000 to $749,999 + $750,000 and above (Owner Occupier + Investment, P&I + IO), Basic Package Variable Rate Loan - (Investors, P&I + IO)August 22
Arab Bank of AustraliaUp by 0.10%Bridging Loan - Standard + With Interest Capitalisation, HeadStart Home Loan - Variable Rate, The Basics Home Loan - Variable, Essentials Home Loan - Variable, Revolving Line of CreditAugust 1
BankwestUp by 0.29%Complete Home Loan Package Variable - LVR <=90% (Owner Occupier, P&I)August 24
BankwestDown by 0.30%Premium Select Home Loan - $20k+ (LVR 80% to 90%) (Investor, P&I)August 24
ClickLoansUp by 0.04% - 0.35%The Online Investor Home Loan - LVR <70% + <80%, The Online Home Loan - LVR <80% + <70% + <70% with Offset, The Online Home Loan Bad CreditAugust 1
CUAUp by 0.25%Fresh Start Variable Home Loan - (Owner Occupier + Investor, P&I + IO), Fresh Start Variable Home Loan - Construction (Owner Occupier + Investor, Interest Only), Fresh Start Basic Variable Home Loan - (Owner Occupier + Investor, P&I + IO), Fresh Start Basic Variable Home Loan - Construction (Owner Occupier + Investor, Interest Only)August 21
First Option Credit UnionUp by 0.10%Premium Home Loan - $150k to $600k + $800k+ + $600k to $800k (Owner Occupier + Investor, IO), Classic Home Loan - Interest Only (Owner Occupier + Investor)August 1
Gateway Bank Up by 0.09% - 1.31%Construction Loan, Investment Construction Loan, Land Loan - Variable Rate (Owner Occupier, P&I), Standard Variable Rate Home Loan (Owner Occupier + Investor, P&I), Equitismart Line of Credit (Owner Occupier + Investor, P&I), Low Rate Essentials Variable Rate Home Loan - LVR 80% to 85% (Investor, P&I)August 10
Gateway Bank Down by 0.01% - 0.50%Investment Land Variable, Standard Variable Rate Home Loan - Investor, IOAugust 10
Greater BankUp by 0.09%Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier + Investor) P&I + IO New Loans only, Great Rate Home Loan - Variable (Owner Occupier + Investment, P&I + IO), Ultimate Home Loan - Discounted Variable ($150K+ Owner Occupier + Investor) P&I New Loans only, Ultimate Home Loan - Variable (Owner Occupier + Investment, P&I + IO)August 15
Heritage BankUp by 0.05% - 0.43%Standard Variable Home Loan - (Owner Occupier) Existing customers only, Living Equity Line of Credit - (Owner Occupier) Existing customers only, Advantage Package - Living Equity (Owner Occupier + Investor) Existing customers onlyAugust 20
Heritage BankDown by 0.07% - 0.33%Discount Variable Home Loan - LVR <=80% + <=90% + <=95% (Owner Occupier + Investment, P&I) New Customers Only, Advantage Package - Standard Variable LVR <=80% + <=90% + <=95% $150k to $249k + $250k to $699k + $700k +(Owner Occupier, P&I) New Customers Only, Living Equity Line of Credit - (Investor) Existing customers onlyAugust 20
Horizon Credit Union Down by 0.10%Home Sweet Home LoanAugust 24
HSBCUp by 0.02% - 0.98%Home Equity Loan - (Owner Occupier + Investor, IO), Home Value Loan - Variable Rate (Owner Occupier + Investment, P&I + IO), Variable Home Loan - (Owner Occupier + Investment, P&I + IO), Home Smart Loan - (Owner Occupier + Investment), Premier Home Loan - Variable (Owner Occupier + Investment, P&I), Premier Home Equity Loan - Variable (Owner Occupier + Investment, Interest Only), Premier Home Smart Loan - Variable (Owner Occupier + Investment), Premier Variable Home Loan - (Investor, IO), Premier Market Linked Home Loan - Investors (HKD + USD)August 6
IMBDown by 0.10% - 0.23%Accelerator Home Loan - LVR <=95% $300k+ (Owner Occupier), Essentials Home Loan - LVR <=85 (Investor, IO)August 22
ME BankDown by 0.20% - 0.75%Basic Home Loan - LVR <=80% + > 80% (Owner Occupier, P&I)August 30
Mortgage HouseUp by 0.03%Advantage Variable Home Loan - LVR 80 Special (Investor, P&I)August 1
Newcastle Permanent Building SocietyUp by 0.08% - 0.12%Premium Plus Package Home Loan - Tier 1: below $500k + Tier 2: Over $500k + Tier 3: Over $750k + Tier 4: Over $900k + Tier 1, 2, 3, 4 combined loan balances below $500,000 (Owner Occupier + Investor, P&I + IO), Real Deal Home Loan - (Owner Occupier + Investor, P&I + IO), Real Equity Home Loan - Real Equity Credit Facility, Real Options Home Loan - (Owner Occupier, P&I + IO), Premium Variable Rate Home Loan - (Owner Occupier + Investor, P&I + IO), Premium Plus Package Home Loan - New Customer Offer ($150k+ Owner Occupier, P&I + IO) Discount 1 + Special Offer ($150,000+ Investor, P&I + IO)August 1
People's Choice Credit UnionUp by 0.10%Basic Variable - (Investor, IO)August 1
QBANKUp by 0.35%Classic Plus Package - $100k to $249k + $250k+ (Investor)August 8
Reduce Home LoansUp by 0.10%Investor Rate Buster Variable 100% Offset - LVR up to 80%August 1
Reduce Home LoansDown by 0.05%Cash Back Rate Buster Escape Home LoanAugust 1
Virgin MoneyUp by 0.05%Variable Home Loan - LVR <= 80% (<$500k Owner Occupier, P&I)August 27
LenderChangeLoans affectedDate effective]
Bank of MelbourneUp by 0.04% - 0.20%Fixed Rate Home Loan - 2, 3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I), Advantage Package Home Loan - 2,3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I + IO)August 14
Bank of MelbourneDown by 0.04%Fixed Rate Home Loan - 2 Years Fixed Promotional, new loans only (Investor, IO), Advantage Package Home Loan - 3 Years Fixed Promotional, new loans only (Owner Occupier, P&I)August 14
BankSAUp by 0.04% - 0.20%Fixed Rate Home Loan - 2, 3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I), Advantage Package Home Loan - 2, 3 Years Fixed Promotional, new loans only (Owner Occupier + Investment, P&I + IO)August 14
BankSADown by 0.04%Fixed Rate Home Loan - 2 Years Fixed Promotional, new loans only (Investor, IO), Advantage Package Home Loan - 3 Years Fixed Promotional, new loans only (Owner Occupier, P&I)August 14
BankwestDown by 0.05% - 0.45%Fixed Rate Home Loan -1, 2, 3, 4, 5 Years Fixed Rate (Owner Occupier + Investment)August 24
Heritage BankUp by 0.05% - 0.14%Fixed Rate Home Loan - 2, 3 Years Fixed Rate (Owner Occupier, P&I + Investor, IO) New Customers Only, Advantage Package - 2, 3 Years Fixed (Owner Occupier, P&I + Investor, IO) New Customers OnlyAugust 20
Heritage BankDown by 0.04% - 0.70%Fixed Rate Home Loan - 1, 2, 3, 5 Years Fixed Rate (Owner Occupier + Investment, P&I + IO) New Customers Only + Existing customers only, Advantage Package - 1, 2, 3, 5 Years Fixed (Owner Occupier + Investment, P&I + IO) New Customers Only + Existing customers onlyAugust 20
Horizon Credit UnionDown by 0.10% - 0.20%Fixed Rate Home Loan -1, 2, 3 Years Fixed (Owner Occupier + Investment)August 24
Hume BankDown by 0.04% - 0.10%Fixed Home Loan - 2, 3, 4, 5 Years (Owner Occupier + Investment, P&I), Refinance Fixed Home Loan - 2, 3, 4, 5 Years (Owner Occupier + Investment, P&I)August 29
IMBDown by 0.11%Fixed Rate Home Loan - 3 Years Fixed (LVR <=85% Investor, P&I + IO)August 22
Northern Inland Credit Union Down by 0.25% - 0.45%Smart Fixed Home Loan - 1, 2, 3 Years (Owner Occupier + Investment, P&I)August 16
People's Choice Credit UnionDown by 0.05% - 0.35%Investment Fixed - 1, 2, 3, 4, 5 Years P&I + IO, Home Loan Package -1, 2, 3, 4, 5 Years Fixed Package (Investor, P&I + IO)August 9
Tic:TocDown by 0.05% - 0.10%Live in Fixed Rate Home Loan - 1, 2 Years (Owner Occupier, P&I)August 27

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Data indicated here is updated regularly
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Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
2.64%
2.66%
$0
$0 p.a.
80%
Up to $4,000 refinance cashback.
A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get up $4,000 cashback for their first application (Other terms, conditions and exclusions apply).
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
2.29%
2.72%
$0
$8 monthly ($96 p.a.)
95%
Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
2.49%
2.49%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
Athena Celebrate Home Loan - 60% LVR  Owner Occupier, P&I
2.39%
2.39%
$0
$0 p.a.
60%
A very low variable rate for home buyers with 40% deposits or equity. This rate takes effect from 30 September for new and existing customers. You can get this rate if you apply today.
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
2.68%
2.69%
$0
$0 p.a.
80%
$2,000 to $3,000 refinance cashback.
Get a competitive variable interest rate with no application fee or ongoing fees. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply.
HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)
2.59%
2.60%
$0
$0 p.a.
80%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.
homeloans.com.au Low Rate Home Loan with Offset - LVR Under 60% (Owner Occupier, P&I)
2.44%
2.46%
$0
$0 p.a.
60%
A competitive rate with no application or ongoing fee. This loan is not available for construction.
Tic:Toc Live in 10% deposit Variable Rate - Principal & Interest
2.39%
2.40%
$0
$0 p.a.
90%
Get a very low interest rate and pay no application, settlement or valuation fees. Apply online for full approval in real time and add a 100% offset account for $10 a month.
Yard Variable Home Loan - LVR 80% Special (Owner Occupier, P&I)
2.39%
2.42%
$0
$0 p.a.
80%
A very low variable rate loan for home buyers with an optional offset account ($10 monthly fee). 20% deposit required.
Well Home Loans Balanced Variable - LVR 80% Special Offer (Owner occupier, P&I)
2.17%
2.20%
$250
$0 p.a.
80%
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee. This special discount rate is available for new borrowers who apply and get approved by 30 November 2020. Not available for construction purposes.
Virgin Money Reward Me Variable Home Loan - LVR ≤ 60% ($750k+ Owner Occupier, P&I)
2.55%
2.72%
$300
$10 monthly ($120 p.a.)
60%
$2,500 refinance cashback
Buy your home and lock in a low rate for the first two years. Get a $2,500 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 28 August and settle by 30 October 2020.
IMB Budget Home Loan - LVR ≤80% (Owner Occupier, P&I, NSW and ACT borrowers only)
2.61%
2.67%
$449
$0 p.a.
80%
A competitive variable rate for borrowers with 20% deposits saved. Available for NSW and ACT borrowers only.
Athena Evaporate Home Loan - 60% to 70% LVR  Owner Occupier, P&I
2.49%
2.43%
$0
$0 p.a.
70%
A low variable rate for owner occupiers with 30% deposits. This rate takes effect from 30 September for new and existing customers. You can get this rate if you apply today.
AMP Bank Professional Package Variable Rate Home Loan - $100,000 and above, LVR ≤ 80% incl. LMI (Owner Occupier, P&I)
2.59%
3.00%
$0
$349 p.a.
80%
Get a sharp rate with no application or settlement fee, a redraw facility and 100% offset account. Other fees and charges apply.
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I (*now 2.59%, drops to 2.54% on 30 Sep)
2.54%
2.46%
$0
$0 p.a.
80%
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan. This rate will drop to 2.54% p.a on 30 September 2020 for new and existing customers. You can get this rate if you apply today.
homeloans.com.au Low Rate Home Loan with Offset - LVR 60% to 80% (Owner Occupier, P&I)
2.54%
2.56%
$0
$0 p.a.
90%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
Virgin Money Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
2.29%
2.87%
$300
$10 monthly ($120 p.a.)
80%
$2,500 refinance cashback
Buy your home and lock in a low rate for the first two years. Get a $2,500 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 August and settle by 28 February 2021.
IMB Budget Home Loan - Special LVR  ≤90% (Owner Occupier, P&I, NSW and ACT borrowers only)
2.78%
2.84%
$449
$0 p.a.
90%
NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
homeloans.com.au Low Rate Home Loan with Offset - LVR 80% to 90% (Owner Occupier, P&I)
2.74%
2.76%
$0
$0 p.a.
90%
Save on interest with a free 100% offset account and buy your property with just a 10% deposit. This loan is not available for construction.
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
2.68%
2.69%
$0
$0 p.a.
110%
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only.
Well Home Loans Balanced Fixed Home Loan - 2 Year (Owner occupier, P&I)
2.22%
2.21%
$250
$0 p.a.
90%
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.
G&C Mutual Bank Momentum Home Loan - LVR <50% (Owner Occupier, P&I)
2.55%
2.57%
$0
$0 p.a.
A variable rate loan for owner-occupiers looking to refinance. This loan has low fees and a 100% offset account.
Bank of Melbourne Basic Home Loan - Special Offer (Owner Occupiers, P&I) LVR above 60% up to 80%
2.64%
2.66%
$0
$0 p.a.
80%
Up to $4,000 refinance cashback
A competitive variable rate loan from Bank of Melbourne. Refinancers borrowing $250,000 or more can get up $4,000 cashback for their first application (Other terms, conditions and exclusions apply).
Well Home Loans Balanced Variable - LVR 90% (Owner occupier, P&I)
2.52%
2.55%
$250
$0 p.a.
90%
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month. Not available for construction purposes.
HSBC Home Value Loan - Promotional Offer LVR 90% (Owner Occupier, P&I)
2.69%
2.70%
$0
$0 p.a.
90%
A competitive value home loan with no ongoing fee.
Well Home Loans Balanced Fixed Home Loan - 3 Year (Owner Occupier, P&I)
2.27%
2.23%
$250
$0 p.a.
90%
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee. Not available for construction purposes.
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
2.14%
2.46%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Heritage Bank Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier, P&I) New Customers Only
2.59%
4.26%
$600
$8 monthly ($96 p.a.)
95%
Get a partial offset account and the option to make interest-only repayments.
Bluestone Prime Direct (Owner Occupier, P&I)
2.49%
2.51%
$0
$0 p.a.
70%
Bluestone's Prime Direct is a competitive variable rate home loan for borrowers with 30% deposits.
Newcastle Permanent Building Society Real Deal Home Loan - Special Offer 1 (Owner Occupier, P&I)
2.59%
2.63%
$595
$0 p.a.
80%
$2,000 refinance cashback
$2,000 cashback for eligible refinancers borrowing $250,000 or more.
BankSA Basic Home Loan - Owner Occupier, P&I
2.64%
2.66%
$0
$0 p.a.
80%
Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get up $4,000 cashback for their first application (Other terms, conditions and exclusions apply).
Newcastle Permanent Building Society Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier, P&I)
2.49%
4.12%
$595
$0 p.a.
90%
$2,000 refinance cashback
Investors can take advantage of a short term fixed rate with no ongoing fees. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
Heritage Bank Discount Variable Home Loan - LVR ≤ 80% (Owner Occupier, P&I) New Customers Only
2.78%
2.80%
$600
$0 p.a.
80%
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate - 2 Year Fixed (Owner Occupier, P&I)
2.44%
3.76%
$0
$395 p.a.
95%
$2,000 refinance cashback
Enjoy a discounted fixed rate and the ability to package the loan with other financial products. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
UBank UHomeLoan - 1 Year Fixed Rate (Investor, P&I)
2.29%
2.84%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
Greater Bank Great Rate Home Loan - Discounted 1 Year Fixed with Family Pledge Home Loan - Up to 110% LVR (Owner Occupier)
1.99%
3.52%
$0
$0 p.a.
80%
Requires a family member to act as guarantor.
Get one of the lowest rates on the market with this fixed rate mortgage and borrow more with help from a family guarantor. NSW, QLD and ACT residents only.
Heritage Bank Advantage Package - 1 Year Fixed (Owner Occupier, P&I) New Customers Only
2.59%
3.32%
$0
$350 p.a.
95%
Get a partial offset account and flexible repayments with this package loan.
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, IO)
2.29%
2.47%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
Virgin Money Reward Me Variable Home Loan - LVR ≤ 80% ($500k to $750k Owner Occupier, P&I)
2.69%
2.86%
$300
$10 monthly ($120 p.a.)
80%
This flexible, competitive variable rate mortgage comes with a 100% offset account and redraw facility.
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
2.14%
2.41%
$395
$0 p.a.
80%
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
Athena Variable Home Loan - Owner Occupier, IO (*now 3.09%, drops to 3.04% on 30 Sep)
3.04%
2.68%
$0
$0 p.a.
80%
Owner occupiers can refinance to one of the most competitive interest-only rates in the market. No application fee and no ongoing fees. This rate will drop to 3.04% p.a on 30 September 2020 for new and existing customers. You can get this rate if you apply today.
Suncorp Home Package Plus Fixed - 2 Year Fixed Rate Special Offer $150k+ LVR ≤90% (Owner Occupier, P&I)
2.29%
3.28%
$0
$375 p.a.
90%
A low fixed rate loan available for borrowers with 10% deposits. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply.
UBank UHomeLoan - 1 Year Fixed Rate (Investor, IO)
2.44%
2.85%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
2.94%
3.34%
$0
$395 p.a.
95%
$2,000 refinance cashback
New borrowers or refinancers can get a discounted rate with this package loan. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
Virgin Money Reward Me Fixed Rate Home Loan - 3 Year $300k+ Special offer (Owner Occupier, P&I)
2.29%
2.83%
$300
$10 monthly ($120 p.a.)
80%
A competitive fixed rate mortgage available with a 10% deposit.
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, IO)
2.29%
2.44%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier, P&I)
2.54%
3.98%
$595
$0 p.a.
95%
$2,000 refinance cashback
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees. $2,000 cashback for eligible refinancers borrowing $250,000 or more.
Virgin Money Reward Me Variable Home Loan - LVR ≤ 80% ($750k+ Owner Occupier, P&I)
2.69%
2.86%
$300
$10 monthly ($120 p.a.)
80%
Get this loan with a 20% deposit and access a 100% offset account to save on interest.
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