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

Posted: 3 September 2018 1:40 pm
News

dollar stop1The first of the big banks has already announced a September rate change. What lies in store for the rest of the month?

Westpac may have heralded a wave of rising home loan rates when it recently hiked its variable rates by 0.14%. With rising funding costs, the major banks have already claimed to be under pressure to lift rates.

Other lenders certainly haven't been waiting on the major banks to make their own moves. In August, 27 lenders in Finder's database moved on rates. This made the month the busiest of the year for rate moves.

If your lender raises rates, it could be time to refinance your home loan. We'll keep you updated on all of September's out-of-cycle rate moves in the table below. As rates begin moving upward, keep your eye out for a better deal.

Major bank changes

LenderChangeLoans affectedDate effective
ANZUp by 0.16%Standard Variable Home Loan (Owner occupier + Investor, P&I + IO), Land Loan (Owner occupier + Investor, P&I + IO), Simplicity PLUS Home Loan (Owner occupier + Investor, P&I + IO), Simplicity PLUS Home Loan - LVR ≤ 80% + > 80% Special Offer Discount (Owner Occupier, PI + IO), Simplicity PLUS Home Loan - Special Offer (Investor, P&I + IO), Equity Manager - Variable, Equity Manager - Breakfree Home Loan Package, Equity Manager - Special Offer Breakfree Home Loan Package (LVR <=80% + > 80%), Breakfree Home Loan Package LVR <=80% + >80% (Owner occupier + Investor, P&I + IO)September 27
WestpacUp by 0.14% - 0.49%Flexi First Option Home Loan - Standard (Owner Occupier + Investor, P&I), Equity Access, Premier Advantage Package Variable Home Loan - Equity Access P&I + IO, Premier Advantage Package Variable Home Loan - Rocket Repay P&I + IO, Premier Advantage Package Variable Home Loan - Rocket Investment P&I + IO, Rocket Repay Home Loan - Principal and Interest + Interest Only, Rocket Investment Loan - Principal and Interest + Interest Only, Flexi First Option Home Loan - 2 Years Introductory Special Offer (New Owner Occupier + Investor, P&I + IO)September 19
LenderChangeLoans affectedDate effective

Non-major lenders

LenderChangeLoans affectedDate effective
Adelaide BankUp by 0.12%SmartSaver Home Loan - LVR < 90% + > 90% (Owner occupier + Investor, P&I + IO), SmartDoc Home Loan (Owner occupier + Investor, P&I + IO), SmartDoc Plus Home Loan (Owner occupier + Investor, P&I + IO), Smartfit Variable Home Loan - LVR < 90% + > 90% (Owner occupier + Investor, P&I + IO)Sept. 7
Adelaide BankDown by 0.13%Smartfit Variable Home Loan - LVR > 90% (Investor)Sept. 7
Bank of MelbourneUp by 0.14% - 0.20%Portfolio Home Loan With Advantage Package Special Discount (Investor, IO), Portfolio Home Loan with Advantage Package - Variable (Investor, IO), Advantage Package Home Loan (Owner occupier + Investor, P&I + IO), Advantage Package Home Loan Special Discount (Owner occupier + Investor, P&I + IO), Basic Home Loan - Regular Rate (Owner occupier + Investor, P&I + IO), Basic Home Loan - Promotional Rate (Owner occupier + Investor, P&I + IO), Standard Variable Rate Home Loan (Owner occupier + Investor, P&I + IO), Portfolio - Investors, Relocation Loan - With end loan + Without end loan (Owner occupier + Investor, IO)September 19
BankSAUp by 0.14% - 0.20%Portfolio Home Loan With Advantage Package Special Discount (Investor, IO), Portfolio Home Loan with Advantage Package - Variable (Investor, IO), Advantage Package Home Loan (Owner occupier + Investor, P&I + IO), Advantage Package Home Loan Special Discount (Owner occupier + Investor, P&I + IO), Basic Home Loan - Regular Rate (Owner occupier + Investor, P&I + IO), Basic Home Loan - Promotional Rate (Owner occupier + Investor, P&I + IO), Standard Variable Rate Home Loan - Owner occupier + Investor, P&I + IO, Portfolio Home Loan - Investors, Relocation Loan - With end loan + Without end loan (Owner occupier + Investor, IO)September 19
BluestoneUp by 0.10% - 0.60%Crystal Blue Alt Doc Home Loan - LVR up to 85% (Owner occupier + Investor, P&I), Crystal Blue Alt Doc Home Loan - (Owner occupier + Investor, P&I), Crystal Blue Alt Doc Home Loan - Clear credit (Investor), Clean Slate Clear Home Loan - (Owner occupier + Investor, P&I), Clean Slate Clear Home Loan - AAA LVR up to 85% (Owner occupier + Investor, P&I), Crystal Blue Full Doc Investment Home LoanSeptember 6
Coastline Credit UnionUp by 0.15%Home Equity Access $50k - $149k + $150k+, No Fee Home Loan, Variable Residential Investment Loan, Minimiser Home Loan, Option Investment Home Loan, Reverse Mortgage, Option Home Loan, Classic Home LoanSeptember 20
G&C Mutual BankUp by 0.12% - 0.18%Premium Home Loan Package (Owner occupier + Investor, P&I + IO), Solutions Home Loan Package (Owner occupier + Investor, P&I + IO), Standard Variable Home Loan (Owner occupier + Investor, P&I + IO), Construction Home Loan (Owner occupier + Investor), Bridging Home Loan (Owner occupier + Investor), Union Equity Line (Owner occupier + Investor), First Home Premium Package, Basic Variable Home Loan - InvestorSeptember 10
Greater BankDown by 0.11% - 0.15%Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only, Ultimate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only, Ultimate Home Loan - Discounted Variable ($150K+ Investor) P&I + IO, Great Rate Home Loan - Discounted Variable ($150K+ Investor) P&I + IOSeptember 17
Homestar FinanceUp by 0.15%Variable Rate Home Loan - (Investor, IO)September 5
Homestar FinanceDown by 0.04%Variable Rate Home Loan - (Investor, IO)September 13
Hume BankDown by 0.10%Flexi Low Rate Home Loan - Refinance (Investor, P&I)September 13
INGUp by 0.15%Mortgage Simplifier Home Loan - < $150,000 + $150,000 to $500,000 + $500,000 to $1M + $1M+ (Investor, P&I + IO), Orange Advantage Loan - < $150,000 + $150,000 to $500,000 + $500,000 to $1M + $1M+ (Investor, P&I + IO)September 25
Macquarie Credit UnionUp by 0.50%First Home Buyer's Home LoanSeptember 19
Macquarie Credit UnionDown by 1.00%Macquarie Credit Union Standard Variable Home Loan - 2 Years Discounted (Owner occupied + Investment)September 19
Mortgage HouseDown by 0.05% - 0.10%Market-Ready First Home Buyer Special (Owner Occupied), Equity Saver Refinancer Special, Equity Growth Investor SpecialSeptember 19
Newcastle Permanent Building SocietyDown by 0.12% - 0.37%Premium Plus Package Home Loan - Special Offer ($150,000+ Investor, P&I), Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, IO)September 7
RAMSUp by 0.14%Full Feature Value Advantage Package (Owner occupier + Investor, P&I + IO), Self Employed Loan - Without package LVR <=70% + 70% to 80% Discounted (Owner Occupier, P&I + IO), Self Employed Loan - up to $149,999 LVR < = 70% + > 70% (Owner occupier + Investor, P&I + IO), Self-Employed Line of Credit - $15K to 149,999 LVR < = 70% + > 70%, Self-Employed Line of Credit Value Advantage Package - LVR > 70% + LVR < 70%, Self-Employed Value Advantage Package Home Loan - LVR <= 70% + LVR > 70% (Owner occupier + Investor, P&I + IO), Line of Credit Value Advantage Package - LVR <= 80% + LVR > 80%, Low Rate Home Loan (Owner occupier + Investor, P&I + IO), Line of Credit, Full Feature Home Loan (Owner occupier + Investor, P&I + IO)September 19
SCUDown by 0.28% - 0.48%My Life Variable Rate Home Loan Package - $150,000 to $249,999 + $250,000 to $499,999 + $500,000+ (Owner Occupier)September 25
St.GeorgeUp by 0.14% - 0.20%Portfolio Home Loan With Advantage Package Special Discount (Investor, IO), Portfolio Home Loan with Advantage Package - Variable (Investor, IO), Advantage Package Home Loan (Owner occupier + Investor, P&I + IO), Advantage Package Home Loan Special Discount (Owner occupier + Investor, P&I + IO), Standard Variable Loan - Variable Rate (Owner Occupier, P&I + IO), Standard Variable Loan - Residential Investment (P&I + IO), Basic Home Loan - Variable Rate (Owner occupier + Investor, P&I + IO), Portfolio Home Loan - Variable Rate, Relocation Loan - With end loan + Without end loan (Owner occupier + Investor, IO)September 19
Suncorp BankUp by 0.02% - 0.38%Home Package Plus Home Loan - Special Offer $150k+ LVR <=90% (Owner occupier + Investor, P&I + IO), Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% + 90% to 95% Incl. LMI (Owner Occupier, P&I + IO), Home Package Plus Variable - $150,000+ LVR <=80% + 80% to 90% + 90% to 95% (Owner Occupier, P&I), Back to Basics Home Loan (Owner occupier + Investor, P&I + IO), Standard Variable Rate Home Loan (Owner occupier + Investor, P&I + IO), Access Equity Line of Credit, Home Package Plus Access Equity - $500,000 and $749,999 (LVR <=80% + 80% to 90%), Home Package Plus Access Equity - LVR <=90% Special Offer Interest Only, Home Package Plus Home Loan - $150,000+ LVR <=80% +80% to 90% (Owner occupier + Investor, P&I + IO), Home Package Plus Home Loan - Special Offer $150k+ LVR <=95% First Home Buyers only (Owner Occupier, P&I + IO)September 17
Suncorp BankDown by 0.08% - 0.20%Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Investor, P&I + IO)September 17
The CapricornianUp by 0.11%Premium Choice Home Loan - Variable $50k - $250k + $251k - $500k + $500k+ (Investor)September 6
Tic:TocDown by 0.07%Live in Loan Variable Rate - Principal & InterestSeptember 28
Warwick Credit UnionUp by 0.10%Classic Home Owners Package - $150,000 < $250,000 + $250,000 < $500,000 + $500,000+, P&I + IOSeptember 13
LenderChangeLoans affectedDate effective]
Bendigo BankDown by 0.10% - 0.20%Fixed Rate Home Loan - 2 Years Package Fixed (Investor, P&I + IO), Connect Fixed Rate Home Loan - 2 Years Fixed Rate (Investor, P&I + IO), Basic Fixed Rate Home Loan - 2 Years Fixed (Investor, P&I + IO)September 18
Beyond BankDown by 0.15% - 0.50%Pinnacle +Plus Pkg Investment Fixed - 1, 2, 3, 4, 5 Years, Pinnacle Plus Package Home Loan - 1, 2, 3, 4, 5 Years LVR <90% (Owner Occupier), Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years LVR <90% (Owner Occupier), Total Home Loan Package - 1, 2, 3, 4, 5 Years Fixed LVR <90% (Owner Occupier), Total Home Loan Package - 1, 2, 3, 4, 5 Years Fixed (Investor), Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed (Investor)September 17
Freedom LendDown by 0.10%Fixed Loan - 3 Years Fixed Rate LVR ≤ 90% (Investor P&I), Fixed Loan - 3 Years Fixed Rate LVR ≤ 80% (Investor P&I)September 20
Newcastle Permanent Building SocietyUp by 0.10% - 0.15%Fixed Rate Home Loan - 1, 2, 4, 5 Years Fixed (Owner occupier + Investor, P&I + IO), Premium Plus Package Fixed Rate -1, 2, 4, 5 Years Fixed (Owner occupier + Investor, P&I + IO)September 7
Suncorp BankUp by 0.10%Home Package Plus Fixed - 1, 2 Years Rate (Owner Occupier, IO), Fixed Rate Home Loan - 1, 2 Years Fixed Rate (Owner Occupier, IO)September 17
Suncorp BankDown by 0.10% - 0.40%Fixed Rate Home Loan - 1, 3, 5 Years Fixed Rate (Owner occupier + Investor, P&I + IO), Home Package Plus Fixed -1, 3, 5 Years Rate (Owner occupier + Investor, P&I + IO), Home Package Plus Fixed - 5 Years Fixed ($150k+ LVR <=95% Owner Occupier, P&I) First Home Buyer, Interest in Advance Home Loan - 1 Year Interest in Advance (Investor, IO)September 17
Warwick Credit UnionDown by 0.30%Classic Home Loan - 1, 2 Years Fixed IO, Classic Home Owners Package - 1, 2 Years Fixed IO, Premium Fixed Home Loan - 1, 2 Years Fixed IOSeptember 13

Compare refinance home loans today

Data indicated here is updated regularly
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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 $4,000 cashback (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.
homeloans.com.au Low Rate Home Loan with Offset - LVR Under 60% (Owner Occupier, P&I)
2.29%
2.31%
$0
$0 p.a.
60%
A competitive rate with no application or ongoing fee. This loan is not available for construction.
Athena Celebrate Home Loan - 60% LVR  Owner Occupier, P&I
2.34%
2.34%
$0
$0 p.a.
60%
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
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% (<$500k Owner Occupier, P&I)
2.64%
2.81%
$300
$10 monthly ($120 p.a.)
60%
$3,000 refinance cashback.
A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 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 November 2020 and settle by 28 February 2021.
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.
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.
Tic:Toc Live in 10% deposit Variable Rate - Principal & Interest
2.19%
2.20%
$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.
Westpac Fixed Options Home Loan Premier Advantage Package - 2 Year (Owner Occupier, P&I)
2.29%
3.53%
$0
$395 p.a.
95%
Up to $3,000 refinance cashback.
Competitive fixed rate loan available with a 5% deposit. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply.
homeloans.com.au Low Rate Home Loan with Offset - LVR 60% to 80% (Owner Occupier, P&I)
2.39%
2.41%
$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.
Macquarie Bank Basic Home Loan - LVR ≤ 60% (Owner Occupier, P&I)
2.49%
2.49%
$0
$0 p.a.
60%
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit.
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%
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 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 November 2020 and settle by 28 February 2021.
Athena Evaporate Home Loan - 60% to 70% LVR  Owner Occupier, P&I
2.39%
2.36%
$0
$0 p.a.
70%
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.
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
2.44%
2.38%
$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.
Hunter United Fixed Home Loan - 2 Year Fixed (Owner Occupier, P&I)
2.19%
2.71%
$350
$0 p.a.
90%
Lock in a competitive rate for two years. Available with a 10% deposit.
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%
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 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 November 2020 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.
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.
Sydney Mutual Bank Special Fixed Home Loan - 3 Year (Owner Occupier, P&I)
2.28%
2.86%
$250
$0 p.a.
95%
A competitive fixed rate loan for home buyers. Available with a 5% deposit.
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Owner Occupier, P&I)
2.64%
2.64%
$0
$0 p.a.
80%
Pay no application and ongoing fees and take advantage of split and redraw options.
Endeavour Mutual Bank Special Fixed Home Loan - 3 Year (Owner Occupier, P&I)
2.28%
2.86%
$250
$0 p.a.
95%
A competitive 3 year fixed rate loan for home buyers. Available with a 5% deposit.
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 $4,000 cashback (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.
Bankwest Complete Home Loan Package Variable - $200k to <$750k LVR ≤80% (Owner Occupier, P&I)
2.73%
3.18%
$0
$395 p.a.
80%
A low variable rate loan with a 100% offset account and package discounts.
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.
Macquarie Bank Basic Home Loan - LVR ≤ 90% (Owner Occupier, P&I)
3.04%
3.04%
$0
$0 p.a.
90%
Borrow up to $750K with an LVR ≤ 90% and pay no application 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.
Heritage Bank Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier, P&I) New Customers Only
2.59%
4.30%
$600
$8 monthly ($96 p.a.)
95%
Get a partial offset account and the option to make interest-only repayments.
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.
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 a $4,000 cashback (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%
2.83%
$600
$0 p.a.
80%
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
CUA Achieve Variable Home Loan - $500k+ (Owner Occupier, P&I)
2.55%
2.60%
$600
$0 p.a.
95%
Home buyers can get a competitive, low-fee variable rate plus a 100% offset account. Low deposit option available. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs. Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA.
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.
Heritage Bank Advantage Package - 1 Year Fixed (Owner Occupier, P&I) New Customers Only
2.59%
3.34%
$0
$350 p.a.
95%
Get a partial offset account and flexible repayments with this package loan.
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 (Owner Occupier, IO)
2.29%
2.47%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
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
2.99%
2.59%
$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.
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.
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.
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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.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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