Calculate Monthly Home Loan Repayments from 20+ Lenders

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

Updated

Fact checked

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Swipe to see more loans
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.
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.
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.
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.
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 fee. This loan is not available for construction.
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.
St.George Basic Home Loan
2.54%
2.56%
  • App: $0
  • Ongoing: $0 p.a.
80%
$596.91
Up to $4,000 refinance cashback
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get a $4,000 cashback and borrow up to 80% of the property's value (terms, conditions & exclusions apply).
Well Home Loans Balanced Fixed Home Loan
1.99%
2.17%
  • App: $250
  • Ongoing: $0 p.a.
90%
$554.81
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes.
BankSA Basic Home Loan
2.54%
2.56%
  • App: $0
  • Ongoing: $0 p.a.
80%
$596.91
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).
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 26 February 2021 and settle by 28 May 2021.
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.
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.
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.
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.
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
2.59%
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.
AMP Bank Professional Package Fixed Loan
1.97%
3.1%
  • App: $0
  • Ongoing: $0 p.a.
90%
$553.31
Get a low fixed rate package with no application or settlement fee, that's available with a 10% deposit. Other fees and charges apply.
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.
Heritage Bank Discount Variable Home Loan
2.59%
2.61%
  • App: $600
  • Ongoing: $0 p.a.
80%
$600.83
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
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.
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.
Bank of Melbourne Basic Home Loan
2.54%
2.56%
  • App: $0
  • Ongoing: $0 p.a.
80%
$596.91
Up to $4,000 refinance cashback
A competitive variable rate loan. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply).
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.
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.
Well Home Loans Balanced Variable
2.52%
2.55%
  • App: $250
  • Ongoing: $0 p.a.
90%
$595.35
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.
IMB Fixed Rate Home Loan
1.97%
2.81%
  • App: $449
  • Ongoing: $6 p.a.
95%
$553.31
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.
ME Flexible Home Loan With Member Package
2.59%
3.05%
  • App: $0
  • Ongoing: $395 p.a.
80%
$600.83
A competitive variable rate package home loan with a 100% offset account. Eligible refinancers can get a $2,000 cashback.
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate
2.28%
3.84%
  • App: $0
  • Ongoing: $395 p.a.
95%
$576.78
$2,000 refinance cashback
Enjoy a competitive rate with no application fee for 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.
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.
ME Flexible Home Loan Fixed with Members Package
2.09%
3.27%
  • App: $0
  • Ongoing: $395 p.a.
80%
$562.33
Get a low 3 year fixed rate with a 100% offset account and package discounts.
loading

Compare up to 4 providers

Aussie Home Loans Logo

Enter your details and get a free consultation with an expert broker from Aussie.

By submitting this form, you agree to the Finder Privacy and Cookies Policy and Terms of Use

Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

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.

By submitting this form, you agree to the Aussie privacy policy.

After entering your details a mortgage broker from Aussie will call you. They will discuss your situation and help you find a suitable loan.

  • A comparison of home loans from multiple lenders.
  • Expert guidance through the entire application process.
  • Free suburb and property reports.

Aussie Home Loans Lender Logos

The Adviser’s number 1 placed mortgage broker 8 years running (2013-2020)

Calculate your repayments now

Enter your borrowing amount, loan period and interest rate to get an estimate of your repayment costs.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site