All of October 2018’s out-of-cycle home loan rate changes

Posted: 5 October 2018 11:23 am News

Hand with numbers on screen

Three of the four majors have already moved out-of-cycle. Which lenders will follow?

In September, three of the four major banks announced home loan rate hikes. Westpac, ANZ and Commonwealth Bank all lifted rates for owner-occupiers, while NAB broke with its rivals in holding fast on interest rates.

The major banks weren't alone in their out-of-cycle rate moves. In total, 25 lenders in Finder's database moved on rates in September out of step with the Reserve Bank of Australia.

October looks set to be another busy month for rate moves, in spite of the RBA's decision to leave the official cash rate on hold at 1.50%. If your lender chooses to lift rates, it could be time to refinance your home loan. We'll keep the table below updated throughout the month of October. Be sure to check back to see if your lender is still giving you the best deal.

Major bank changes

LenderChangeLoans affectedDate effective
Commonwealth BankUp by 0.15%Extra Home Loan - 2 Year Introductory Rate (Investment) IOOctober 4
Commonwealth BankDown by 0.10% - 0.35%Extra Home Loan - Variable Rate (Owner Occupier + Investor, P&I + IO), Extra Home Loan - 4 Year Introductory Rate (Owner Occupier + Investor, P&I + IO)October 23
LenderChangeLoans affectedDate effective
NABUp by 0.05% - 0.20%Tailored Fixed Rate Home Loan - 2, 3, 5 Years Fixed (Owner Occupier + Investor, P&I), Choice Package Home Loan - 2, 3, 5 Years Fixed (Owner Occupier + Investor, P&I), Interest Only in Advance Fixed Rate - Tailored 2, 3 Years Fixed (Investor), Interest Only in Advance Fixed Rate - Tailored Home Loan Choice Package 2, 3 Years Fixed (Investor), Interest Only in Arrears Fixed Rate - Tailored 2, 3 Years Fixed (Owner Occupier + Investment), Interest Only in Arrears Fixed Rate - Choice Package 2, 3 Years Fixed (Owner Occupier + Investment), Interest Only in Advance Fixed Rate - Tailored Share Investment 2, 3 Years Fixed, Interest Only in Advance Fixed Rate - Choice Package Share Investment 2, 3 Years Fixed, Defence Force Choice Package Fixed Home Loan - 3, 5 Years, Defence Force Home Loan - 3, 5 Years Fixed RateOctober 30
NABDown by 0.09% - 0.45%Tailored Fixed Rate Home Loan - 2, 4 Years Fixed (Owner Occupier + Investor, P&I), Choice Package Home Loan - 2, 4 Years Fixed (Owner Occupier + Investor, P&I), Interest Only in Advance Fixed Rate - Tailored 4 Years Fixed (Investor), Interest Only in Advance Fixed Rate - Tailored Share Investment 4 Years Fixed, Interest Only in Advance Fixed Rate - Tailored Home Loan Choice Package 4 Years Fixed (Investor), Interest Only in Arrears Fixed Rate - Tailored 4 Years Fixed (Owner Occupier + Investment), Interest Only in Arrears Fixed Rate - Choice Package 4 Years Fixed (Owner Occupier + Investment), Interest Only in Advance Fixed Rate - Choice Package Share Investment 4 Years Fixed, Defence Force Choice Package Fixed Home Loan - 2, 4 Years, Defence Force Home Loan - 2, 4 Years Fixed RateOctober 30

Non-major lenders

LenderChangeLoans affectedDate effective
AMPDown by 0.05% - 0.66%Professional Package Line of Credit - $500,000 to $749,999 + $750,000 and above (Owner Occupier + Investor, IO), Professional Package Variable Rate Home Loan -$500,000 to $749,999 + $750,000 and above (Owner Occupier + Investor, P&I + IO)October 24
AussieUp by 0.06% - 0.91%Select Basic Variable LVR <= 70% + LVR 70.01% to 80% + LVR 80.01% to 90% + LVR > 90% (Owner Occupier + Investor, P&I + IO), Select Standard Variable LVR <= 70% + LVR 70.01% to 80% + LVR 80.01% to 90% + LVR > 90% (Owner Occupier + Investor, P&I + IO), Select Line of Credit LVR <= 70% + LVR 70.01% to 80% + LVR 80.01% to 90% (Owner Occupier + Investor)October 3
Bank AustraliaDown by 0.60%Basic Home Loan - Investment Variable, P&I + IOOctober 2
Bank FirstUp by 1.00%Standard Home Loan - First Home Buyer LVR <=80% + >80% (Owner Occupier)October 23
BankVicUp by 0.10%WealthBuilder$ Variable Home Loan - $250k-$749k + up to $249k + $750k+ (Owner Occupier), Premium Package Variable Home Loan - Standard $250k-$749k + up to $249k + $750k+ (Owner Occupier), Line of Credit - Owner Occupier, Offset Variable Home Loan - Owner Occupier, Standard Variable Home Loan - Owner OccupierOctober 3
BankVicDown by 0.01%Base Variable Home Loan - Owner Occupier, Introductory 2 Years Variable Rate - (Owner Occupier)October 3
BankwestUp by 0.10% - 0.15%Complete Home Loan Package Variable - LVR <=90% + LVR 90.01% to 95% (Owner Occupier + Investor, P&I), Complete Home Loan Package Equity - $200k to $500k + $500k to $750k + $750k+, Seniors Equity Release Home Loan - Variable Rate, Regular Saver Home Loan (Owner Occupier + Investor, P&I + IO), Mortgage Shredder Home Loan (Owner Occupier + Investor, P&I + IO), Equaliser Home Loan - LVR ≤80% (Owner Occupier + Investor, P&I & $200k+) new customers onlyOctober 4
Bendigo BankDown by 0.17% - 0.22%Connect Package Home Loan - > $500,000 + $250,000 to $499,999 + $0 to $249,999 (Investor, P&I + IO), Basic Variable Rate Home Loan - (Investor, P&I + IO), Investment Variable - $50,000 to $250,000 + $250,000 to $500,000 +$500,000+, P&I + IOOctober 12
CitibankUp by 0.16%Mortgage Plus Standard Variable Rate - LVR ≤ 90% (Owner Occupier + Investor, P&I + IO), Basic Variable Rate Home Loan - (Owner Occupier + Investor, P&I + IO), Standard Variable Loan - (Owner Occupier + Investor, P&I + IO)October 12
Goldfields Money Up by 0.25% - 0.30Special Rate Home Loan - LVR 80.01% to 90% (Owner Occupier + Investor)October 23
Goldfields MoneyDown by 0.05% - 0.26%Standard Home Loan - Owner Occupier + Investor, Discounted Home Loan - Owner Occupier + InvestorOctober 23
Homeloans Up by 1%MoniPower Variable Home Loan - LVR 80 - 90% (Investor, P&I)October 3
HomeloansUp by 0.05% - 0.15%Flexichoice Prime Variable ProPack Home Loan - LVR up to 80% + 80.01% - 90% + > 90% (Owner Occupier + Investor, P&I), Standard Variable Home Loan - LVR up to 80% + 80.01% - 90% + > 90% (Owner Occupier + Investor, P&I), FlexiChoice Prime Alt Doc Home Loan - LVR up to 70% + >70% to 80% (Investor, P&I), FlexiChoice Prime Non-Genuine Savings loans (up to 95% + up to 90% LVR)October 11
HomeloansDown by 0.05% - 0.55%Flexichoice Clear Home Loan - LVR <=70% + 70.01% to 80% + 80.01% to 85% + 85.01% to 90% (Owner Occupier + Investor, P&I + IO), FlexiChoice Clear Plus Home Loan - LVR <=70% + 70.01% to 80% + 80.01% to 85% (Owner Occupier + Investor, P&I + IO), FlexiChoice Assist Home Loan - LVR <=70% + 70.01% to 80% + 80.01% to 85% (Owner Occupier + Investor, P&I + IO), FlexiChoice Alt Doc Clear Home Loan - LVR <=70% + 70.01% to 80% + 80.01% to 85% + 85.01% to 90% (Owner Occupier + Investor, P&I + IO), FlexiChoice Alt Doc Plus Home Loan - LVR <=70% + 70.01% to 80% + 80.01% to 85% (Owner Occupier + Investor, P&I + IO), FlexiChoice Alt Doc Assist Home Loan - LVR <=70% + 70.01% to 80% + 80.01% to 85% (Owner Occupier + Investor, P&I + IO), FlexiChoice Prime Alt Doc Home Loan - LVR up to 70% + >70% to 80% (Owner Occupier + Investor, IO)October 11
HSBCDown by 0.05%Home Value Loan - (Owner Occupier P&I)October 19
IMBUp by 0.15%Equity Line Advantage Home Loan, Standard Variable Home Loan - LVR <= 85% + LVR <=95% (Owner Occupier + Investor, P&I + IO), Introductory Variable Rate Home Loan, Budget Home Loan - LVR > 90% + LVR <= 90% (Owner Occupier + Investor, P&I + IO), Essential Home Loan - LVR <= 90% + LVR > 90% + LVR <=85 (Owner Occupier, P&I), Essentials Home Loan - $300,000+, LVR < 90% (Owner Occupier, P&I)October 5
iMortgageUp by 0.01% - 0.36%Prime Home Loan - Term Loan LVR <= 80% LVR (Owner Occupier, P&I + IO), Fusion Variable Home Loan - $200K+ LVR <=70% + 80% - 90% + 90% - 95% (Owner Occupier, P&I + IO), Fusion Variable Investment Home Loan - $200K+ LVR <=80% + 80% - 90% (P&I + IO)October 9
iMortgageDown by 0.05% - 0.14%Prime Home Loan - Term Loan LVR <= 80% LVR (Investor), Prime Home Loan - Term Loan LVR > 80% LVR (Owner Occupier)October 9
MyStateDown by 0.10% - 0.20%Standard Variable Home Loan - LVR <=80% (Owner Occupier + Investor, IO), Special Residential Home Loan - LVR <=80% (Owner Occupier + Investor, P&I + IO), Basic Variable Home Loan - LVR <=80% (Owner Occupier + Investor, P&I + IO)October 16
RACQ BankDown by 0.20%Choices Package Mortgage Breaker Home Loan - $150,000 and over (Investor) SpecialOctober 25
ReduceDown by 0.10% - 0.35%Investor Rate Buster Variable 100% Offset - LVR up to 80%, Investor Rate Buster High Lend Variable Home Loan, Investor Rate Lovers Variable Home Loan, Rate Buster Escape Home Loan (Investor) 100% Offset LVR 80%October 30
The MutualUp by 0.15% - 1.05%Express Credit Facility (LOC), Package Home Loan - Variable Rate (Owner Occupier + Investor), Package Home Loan - Discounted Variable Rate (Owner Occupier), Budget Home Loan - (Owner Occupier + Investor), Home Loan - (Owner Occupier + Investor), Premium Variable Home Loan - (Owner Occupier + Investor), Standard Variable Home Loan - (Owner Occupier + Investor)October 2
The Rock Building SocietyDown by 0.10% - 0.83%Essentials Home Loan - LVR <= 80% + 80% to 90% + 90% (Owner Occupier + Investor, P&I + IO), Basic Variable Home Loan - LVR<=80% (Owner Occupier + Investor, P&I + IO), Standard Variable Home Loan - LVR<= 80 (Owner Occupier, IO)October 16
LenderChangeLoans affectedDate effective]
Bank AustraliaDown by 0.05% - 0.50%Premium Fixed Rate Home Loan - 2, 3 Years Fixed Rate LVR <80% (Owner Occupier), Premium Home Loan Package - 2, 3 Years Fixed (Owner Occupier) LVR < 80% + > 80%, Premium Home Loan Package - 1, 2, 3, 5 Years Fixed (Investor, P&I + IO), Australia Basic Home Loan - 1, 2, 3, 5 Years Fixed Rate (Owner Occupier + Investor, P&I + IO)October 2
Bank FirstDown by 0.05%Premier Package Home Loan - 2 Years Fixed LVR <80% + >80% Discounted Rate (Owner Occupier)October 23
BankVicUp by 0.13%Fixed Home Loan - 2 Years (Owner occupier)October 3
BankVicDown by 0.05% - 0.20%WealthBuilder$ Fixed Home Loan - 1, 2, 3, 4, 5 Years (Investor), Premium Package Fixed Home Loan - 1, 2, 3, 4, 5 Years (Investor)October 3
Big SkyUp by 0.05% - 0.65%Fixed Rate - 1, 3, 5 Years (Investor, P&I + IO), Fixed Rate - 1, 3, 5 Years (Owner Occupier, IO), Premium Choice Fixed Home Loan - 1, 3, 5 Years (Owner Occupier + Investor, P&I + IO)October 4
Big SkyDown by 0.05% - 0.56%Fixed Rate - 1, 3, 5 Years (Owner Occupier, P&I), Premium Choice Fixed Home Loan - 1, 3, 5 Years (Owner Occupier, P&I)October 4
Goldfields MoneyUp by 0.05% - 0.48%Fixed Rate - 1, 2, 3, 4, 5 Years (Owner Occupier + Investor)October 23
HomeloansDown by 0.15%FlexiChoice Prime 3 Years Fixed Rate - LVR < 80% (Owner Occupier, IO), FlexiChoice Prime 3 Years Fixed Rate - LVR > 80% to 90% + > 90% + < 80% (Investor, IO)October 11
IMBDown by 0.05% - 0.10%Fixed Rate Home Loan - 3 Years Fixed (LVR < 90% Owner Occupier, P&I), Fixed Rate Home Loan - 3 Years Fixed (LVR <=85% Investor, P&I)October 5
iMortgageUp by 0.10%Prime Home Loan - 4, 5 Years Fixed (Owner Occupier + Investor), Fusion Fixed Home Loan - 1, 2, 3, 4, 5 Years LVR up to 80% + 80.01% - 90% + over 90% (Owner Occupier + Investor, P&I + IO)October 9
iMortgageDown by 0.13% - 0.34%Fusion Fixed Home Loan - 1, 2, 3, 4, 5 Years LVR 80.01% to 90% (Investor, P&I + IO), Prime Home Loan - 1, 2, 3 Years Fixed (Investor)October 9
INGUp by 0.03% - 0.17%Fixed Rate Home Loan - 1, 2, 4, 5 Years Fixed Rate (Owner occupiers), Fixed Rate Home Loan - 1, 2, 4, 5 Years Fixed Rate (Owner Occupier with Orange Advantage)October 31
INGDown by 0.03% - 0.36%Fixed Rate Home Loan - 1, 2, 3, 5 Years Fixed Rate (Investors)October 31
MyStateDown by 0.05%Fixed Rate Home Loan - 2 Years Fixed (LVR <=80% Investor, IO)October 16
Newcastle Permanent Building SocietyUp by 0.05% - 0.10%Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed (Owner occupier, P&I + IO), Premium Plus Package Fixed Rate - 1, 2, 3, 4, 5 Years Fixed (Owner Occupier, P&I + IO)October 15
Newcastle Permanent Building SocietyDown by 0.04% - 0.10%Fixed Rate Home Loan - 2, 3 Year Fixed (Investor, P&I + IO), Premium Plus Package Fixed Rate - 2, 3 Year Fixed (Investor, P&I + IO)October 26
RACQ BankDown by 0.10% - 0.13%Choices Package Fixed Loan - 1, 2, 3 Years $150k+ (Investor), Investment Fixed - 1, 2, 3 YearsOctober 25
The Rock Building SocietyDown by 0.10% - 0.74%Standard Fixed Home Loan - 1, 2, 3, 5 Years LVR >80% (Investor, IO), Standard Fixed Home Loan - 1, 2, 3, 5 Years LVR <=80% (Owner Occupier, IO)October 16

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Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

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Rates last updated February 18th, 2020
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
2.84%
2.80%
$0
$0 p.a.
80%
Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees.
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
2.84%
2.84%
$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.
Bank of Melbourne Basic Home Loan - Special Offer (Owner Occupiers, P&I) LVR above 60% up to 80%
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
BankSA Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
90%
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
3.03%
3.04%
$0
$0 p.a.
90%
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.
Athena Variable Home Loan - (Owner Occupier, P&I)
2.84%
2.80%
$0
$0 p.a.
80%
Low variable rate mortgage for home buyers. No fees. Requires a 20% deposit.
Bankwest Complete Home Loan Package Variable - $200k+ LVR <=80% (Owner Occupier, P&I)
3.05%
3.50%
$0
$395 p.a.
80%
A low variable rate loan with a 100% offset account and package discounts.
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
2.88%
2.90%
$0
$0 p.a.
80%
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
St.George Fixed Rate Advantage Package - 2 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
2.89%
3.77%
$0
$395 p.a.
80%
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
Bank of Melbourne Advantage Package Fixed Home Loan - 2 Year Fixed (Owner Occupier, P&I) LVR above 60% up to 80% New customers
2.89%
3.77%
$0
$395 p.a.
80%
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
3.09%
3.09%
$0
$0 p.a.
70%
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
BankSA Advantage Package Fixed Home Loan - 2 Year Fixed (Owner Occupier, P&I) LVR above 60% up to 80% New customers
2.89%
3.81%
$0
$395 p.a.
80%
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
Mortgage House Advantage Home Loan - 70 (PAYG Essentials)
2.79%
2.83%
$600
$10 monthly ($120 p.a.)
70%
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
3.33%
3.34%
$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.
Homestar Star Essentials Home Loan - $150K to $850K LVR up to 80% (Owner Occupier, P&I)
2.74%
2.77%
$0
$0 p.a.
80%
A low rate variable mortgage with minimal fees and redraw facility. Requires a 20% deposit. For every complete application Homestar will donate $250 to select charities to help bushfire victims.
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)
3.13%
3.19%
$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.
Greater Bank Great Rate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
2.79%
3.82%
$0
$0 p.a.
90%
Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
State Custodians Low Rate Home Loan with Offset - LVR up to 70% (Owner Occupier, P&I)
2.83%
2.85%
$0
$0 p.a.
70%
A competitive rate with no application or ongoing fee. This loan is not available for construction.
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate - 2 Year Fixed (Owner Occupier, P&I)
2.79%
4.02%
$0
$395 p.a.
90%
Enjoy a discounted fixed rate and the ability to package the loan with other financial products. $2,500 cashback for first home buyers (owner occupier loans with P&I repayments, borrowing $250K or more).
Hume Bank Flexi Low Rate Home Loan - (Owner Occupier, P&I)
3.04%
3.04%
$0
$0 p.a.
95%
This flexible, basic home loan offers a very low rate and you only need a 5% deposit.
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
2.74%
3.38%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR ≤ 95% Owner Occupier, P&I, NSW and ACT borrowers only)
2.84%
3.42%
$449
$6 monthly ($72 p.a.)
95%
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online. Available with a 5% deposit.
Gateway Bank Low Rate Essentials Variable Rate Home Loan - Special offer LVR up to 80% and over $500k (Owner Occupier, P&I)
3.01%
3.04%
$0
$0 p.a.
80%
A competitive, flexible variable rate mortgage for home buyers borrowing above $500,000. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.
Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
2.79%
3.32%
$300
$10 monthly ($120 p.a.)
80%
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit.
Mortgage House Advantage Home Loan - 80 (PAYG Essentials)
2.88%
2.92%
$600
$10 monthly ($120 p.a.)
80%
A competitive variable rate for home buyers with a 20% deposit. This product has a 100% offset account.
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I)
2.90%
2.92%
$0
$0 p.a.
80%
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.
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Owner Occupier, P&I)
3.19%
3.19%
$0
$0 p.a.
80%
Pay no application and ongoing fees and take advantage of split and redraw options.
State Custodians Low Rate Home Loan with Offset - LVR up to 70% (Investor, P&I)
3.08%
3.10%
$0
$0 p.a.
70%
A competitive rate with no application or ongoing fee. This loan is not available for construction.
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
3.19%
3.59%
$0
$395 p.a.
90%
New borrowers or refinancers can get a discounted rate with this package loan. $2,500 cashback for first home buyers (owner occupier loans with P&I repayments, borrowing $250K or more).
Macquarie Bank Offset Home Loan Package - LVR ≤ 80% (Owner Occupier, P&I)
3.19%
3.45%
$0
$248 p.a.
80%
Has a 100% offset account which helps you save on the amount of interest you pay on your mortgage.
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
2.79%
4.04%
$0
$395 p.a.
90%
Get one of the lowest fixed mortgage rates on the market plus a 100% offset account. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
State Custodians Low Rate LOC - LVR up to 70% (Owner Occupier, IO)
3.08%
3.10%
$0
$0 p.a.
70%
Withdraw up to 70% of your home equity with this competitive line of credit loan. This loan is not available for construction.
loans.com.au Essentials - Variable (Owner Occupier, P&I)
3.04%
3.06%
$0
$0 p.a.
90%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR ≤ 95% Owner Occupier, P&I, NSW and ACT borrowers only)
2.84%
3.37%
$449
$6 monthly ($72 p.a.)
95%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 5% deposit.
Greater Bank Great Rate Home Loan - Discounted 2 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
2.89%
3.74%
$0
$0 p.a.
90%
A discounted 2 years fixed rate for home buyers. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
Athena Variable Home Loan - Refinance (Investor, P&I)
3.24%
3.20%
$0
$0 p.a.
80%
Athena offers one of the lowest rates in the market for investors looking to refinance their mortgage. No ongoing fees and no application fee. Principal and interest repayments.
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
2.69%
3.19%
$395
$0 p.a.
80%
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
ANZ Breakfree Package Home Loan - 2 Year Fixed (Owner Occupier, P&I)
2.98%
4.45%
$0
$395 p.a.
90%
This 2 year fixed ANZ Breakfree Package rate comes with package discount and product bundle. Refinancers switching to this loan could get a cashback from $1,200 up to $3,500 depending on their loan amount (terms and conditions apply).
loans.com.au Smart Home Loan - (Investor, P&I)
3.19%
3.21%
$0
$0 p.a.
80%
A competitive variable investor rate for borrowers with 20% deposits. Low fees, redraw facilities and repayment flexibility.
Gateway Bank Low Rate Essentials Variable Rate Home Loan - Special offer LVR up to 80% and over $500k (Investor, P&I)
3.29%
3.32%
$0
$0 p.a.
80%
Investors with 20% deposits can get this flexible variable mortgage with low fees and a reasonable rate.
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
3.18%
3.34%
$300
$10 monthly ($120 p.a.)
80%
This flexible, competitive variable rate mortgage comes with a 100% offset account and redraw facility.
Newcastle Permanent Building Society Fixed Rate Home Loan - 1 Year Fixed (Owner occupier, P&I)
3.09%
4.41%
$595
$0 p.a.
90%
Investors can take advantage of a short term fixed rate with no ongoing fees.
UBank UHomeLoan - 1 Year Fixed Rate (Investor, IO)
3.04%
3.86%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier, P&I)
2.89%
4.25%
$595
$0 p.a.
95%
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees.

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