Calculate Monthly Home Loan Repayments from 20+ Lenders - finder.com.au

Calculate Monthly Home Loan Repayments from 20+ Lenders

Find out how much you'll actually be paying month-to-month

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You can use the calculator table below to figure out what your repayment would be across products from some of the best lenders in Australia.

Data updated regularly
$
years
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Fees Max LVR Monthly Payment
Westpac Flexi First Option Home Loan
2.29%
2.72%
  • App: $0
  • Ongoing: $8 p.a.
95%
$577.55
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.
St.George Basic Home Loan
2.49%
2.51%
  • App: $0
  • Ongoing: $0 p.a.
80%
$593.01
Up to $4,000 refinance cashback
Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Borrow from $150k (or $250k to be eligible for the cashback offer) (terms, conditions & exclusions apply).
IMB Budget Home Loan
2.58%
2.64%
  • App: $449
  • Ongoing: $0 p.a.
80%
$600.05
A competitive variable rate for borrowers with 20% deposits saved. Available for NSW and ACT borrowers only.
ME Flexible Home Loan Fixed with Members Package
1.99%
3.33%
  • App: $0
  • Ongoing: $395 p.a.
80%
$554.81
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
CUA Achieve Variable Home Loan
2.35%
2.4%
  • App: $600
  • Ongoing: $0 p.a.
95%
$582.16
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.
homeloans.com.au Low Rate Home Loan with Offset
2.14%
2.16%
  • App: $0
  • Ongoing: $0 p.a.
60%
$566.11
A competitive rate with no application or ongoing fees. This loan is not available for construction.
Bank of Melbourne Basic Home Loan
2.49%
2.51%
  • App: $0
  • Ongoing: $0 p.a.
80%
$593.01
Up to $4,000 refinance cashback
A competitive variable rate loan. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply).
Virgin Money Reward Me Fixed Rate Home Loan
2.04%
2.79%
  • App: $300
  • Ongoing: $10 p.a.
80%
$558.56
$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 27 February 2021 and settle by 27 August 2021.
BankSA Basic Home Loan
2.49%
2.51%
  • App: $0
  • Ongoing: $0 p.a.
80%
$593.01
Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply).
HSBC Home Value Loan
2.44%
2.45%
  • App: $0
  • Ongoing: $0 p.a.
80%
$589.12
$3,288 refinance cashback offer
Get a low interest variable rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. If you're refinancing $250,000 or above you can get a $3,288 cashback. Terms and conditions apply.
Suncorp Back to Basics Home Loan
2.44%
2.45%
  • App: $0
  • Ongoing: $0 p.a.
80%
$589.12
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
IMB Fixed Rate Home Loan
2.09%
2.9%
  • App: $449
  • Ongoing: $6 p.a.
95%
$562.33
NSW and ACT customers only. Lock in a low fixed rate for two years. Available with a 5% deposit.
homeloans.com.au Low Rate Home Loan with Offset
2.74%
2.76%
  • App: $0
  • Ongoing: $0 p.a.
90%
$612.67
Access a fee-free offset account and a special interest rate for investors. This loan is not available for construction.
UBank UHomeLoan Fixed
1.99%
2.33%
  • App: $0
  • Ongoing: $0 p.a.
80%
$554.81
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
Macquarie Bank Basic Home Loan
2.49%
2.49%
  • App: $0
  • Ongoing: $0 p.a.
60%
$593.01
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit. Refinancers can switch with a convenient digital application.
Well Home Loans Balanced Fixed Home Loan
1.95%
2.17%
  • App: $250
  • Ongoing: $0 p.a.
90%
$551.82
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.
homeloans.com.au Low Rate Home Loan with Offset
2.59%
2.61%
  • App: $0
  • Ongoing: $0 p.a.
90%
$600.83
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.
UBank UHomeLoan Variable Rate
2.74%
2.74%
  • App: $0
  • Ongoing: $0 p.a.
80%
$612.67
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
homeloans.com.au Low Rate Home Loan with Offset
2.24%
2.26%
  • App: $0
  • Ongoing: $0 p.a.
90%
$573.72
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 Variable Home Loan
2.64%
2.81%
  • App: $300
  • Ongoing: $10 p.a.
80%
$604.76
This flexible, competitive variable rate mortgage comes with a 100% offset account and redraw facility. 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 27 February 2021 and settle by 27 August 2021.
homeloans.com.au Low Rate Home Loan with Offset
2.29%
2.31%
  • App: $0
  • Ongoing: $0 p.a.
60%
$577.55
A competitive rate with no application or ongoing fee. This loan is not available for construction.
AMP Bank Professional Package Fixed Loan
1.99%
3.1%
  • App: $0
  • Ongoing: $0 p.a.
80%
$554.81
Get a low fixed rate package with no application or settlement fee, that's available with a 20% deposit. Other fees and charges apply.
homeloans.com.au Low Rate Home Loan with Offset
2.39%
2.41%
  • App: $0
  • Ongoing: $0 p.a.
80%
$585.25
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account. This loan is not available for construction.
Newcastle Permanent Building Society Real Deal Home Loan
2.59%
2.63%
  • App: $595
  • Ongoing: $0 p.a.
80%
$600.83
$2,000 refinance cashback
$2,000 cashback for eligible refinancers borrowing $250,000 or more.
IMB Budget Home Loan
2.68%
2.74%
  • App: $449
  • Ongoing: $0 p.a.
95%
$607.92
NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
Newcastle Permanent Building Society Premium Plus Package Home Loan
2.94%
3.34%
  • App: $0
  • Ongoing: $395 p.a.
95%
$628.65
$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.
IMB Fixed Rate Home Loan
2.49%
3.36%
  • App: $449
  • Ongoing: $6 p.a.
90%
$593.01
NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.
Heritage Bank Discount Variable Home Loan
2.59%
2.64%
  • App: $600
  • Ongoing: $0 p.a.
80%
$600.83
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
Newcastle Permanent Building Society Fixed Rate Home Loan
2.58%
3.99%
  • App: $595
  • Ongoing: $0 p.a.
95%
$600.05
$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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