|
|
|
|
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. Refinancers only.
|
|
|
|
|
|
|
|
2.99%
|
3.42%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
A competitive fixed rate mortgage available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
|
|
|
|
|
|
|
|
3.31%
|
3.37%
|
$449
|
$0 p.a.
|
90%
|
|
NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.
|
|
|
|
|
|
|
|
2.84%
|
2.97%
|
$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.
|
|
|
|
|
|
|
|
2.84%
|
2.84%
|
$0
|
$0 p.a.
|
80%
|
|
This rate will drop to 2.84% p.a on 29 October 2019 for new and existing customers. Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
|
|
|
|
|
|
|
|
2.99%
|
3.45%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
|
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
|
3.02%
|
3.04%
|
$0
|
$0 p.a.
|
90%
|
|
This rate is effective from 21 October for all HSBC customers. Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
|
|
|
|
|
|
|
|
2.84%
|
3.53%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online.
|
|
|
|
|
|
|
|
3.29%
|
3.70%
|
$0
|
$395 p.a.
|
80%
|
|
A low rate variable mortgage for home buyers. Comes with a 100% offset account and has no application fee.
|
|
|
|
|
|
|
|
2.94%
|
2.97%
|
$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.
|
|
|
|
|
|
|
|
3.32%
|
3.36%
|
$595
|
$0 p.a.
|
90%
|
|
A discounted variable rate with low ongoing fees and redraw facility. Low deposit option available.
|
|
|
|
|
|
|
|
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. Refinancers only.
|
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
|
3.39%
|
4.29%
|
$600
|
$395 p.a.
|
95%
|
|
A package loan that offers discounts and a 100% offset account.
|
|
|
|
|
|
|
|
2.88%
|
3.80%
|
$0
|
$395 p.a.
|
80%
|
|
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
|
|
|
|
|
|
|
|
3.15%
|
3.89%
|
$500
|
$0 p.a.
|
95%
|
|
Lock in a low mortgage rate for 2 years and pay no ongoing fees. Includes a 100% offset account. Available with a 5% deposit.
|
|
|
|
|
|
|
|
3.69%
|
4.58%
|
$600
|
$395 p.a.
|
95%
|
|
A package loan that offers discounts and a 100% offset account.
|
|
|
|
|
|
|
|
3.33%
|
3.47%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
This flexible, competitive variable rate mortgage comes with a redraw facility. Eligible borrowers can earn Velocity Frequent Flyer Points, plus extra bonus points for a limited time.
|
|
|
|
|
|
|
|
3.15%
|
3.19%
|
$500
|
$0 p.a.
|
95%
|
|
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
|
|
|
|
|
|
|
|
3.34%
|
2.99%
|
$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. Refinancers only.
|
|
|
|
|
|
|
|
3.15%
|
4.16%
|
$600
|
$0 p.a.
|
95%
|
|
Lock in a competitive interest rate for 1 year and pay no ongoing fees. Available with just a 5% deposit and includes a 100% offset account.
|
|
|
|
|
|
|
|
2.84%
|
3.47%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
|
|
|
|
|
|
|
|
3.18%
|
3.83%
|
$0
|
$395 p.a.
|
80%
|
|
Get a low 3 year fixed rate with a 100% offset account and package discounts.
|
|
|
|
|
|
|
|
3.15%
|
4.07%
|
$600
|
$0 p.a.
|
95%
|
|
Fix your rate for the first two years with this competitive, low-fee loan. Includes a 100% offset account. Get this loan with a 5% deposit.
|
|
|
|
|
|
|
|
2.69%
|
3.37%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate product with no ongoing bank fees.
|
|
|
|
|
|
|
|
2.99%
|
4.16%
|
$0
|
$395 p.a.
|
90%
|
|
Enjoy a discounted fixed rate and the ability to package the loan with other financial products.
|
|
|
|
|
|
|
|
3.34%
|
3.24%
|
$0
|
$0 p.a.
|
80%
|
|
Current property investors can switch to one of the most competitive interest-only investor rates in the market. No application or ongoing fees. Refinancers only.
|
|
|
|
|
|
|
|
3.49%
|
4.06%
|
$449
|
$6 monthly ($72 p.a.)
|
90%
|
|
NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.
|
|
|
|
|
|
|
|
3.34%
|
3.78%
|
$0
|
$395 p.a.
|
80%
|
|
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
|
|
|
|
|
|
|
|
2.99%
|
4.24%
|
$0
|
$395 p.a.
|
90%
|
|
Enjoy a competitive rate with no application fee for this package loan.
|
|
|
|
|
|
|
|
2.74%
|
3.61%
|
$395
|
$0 p.a.
|
80%
|
|
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
|
|
|
|
|
|
|
|
3.03%
|
4.43%
|
$0
|
$0 p.a.
|
80%
|
|
Get a low fixed rate and pay no application or ongoing fees.
|
|
|
|
|
|
|
|
3.24%
|
3.24%
|
$0
|
$0 p.a.
|
80%
|
|
This rate will drop to 3.24% p.a on 29 October 2019 for new and existing customers. Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
|
|
|
|
|
|
|
|
3.32%
|
3.71%
|
$0
|
$395 p.a.
|
90%
|
|
New borrowers or refinancers can get a discounted rate with this package loan.
|
|
|
|
|
|
|
|
3.54%
|
3.55%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Enjoy a competitive fixed rate with no application fee. Eligible borrowers can earn Velocity Frequent Flyer Points with this mortgage, and extra bonus points for a limited time.
|
|
|
|
|
|
|
|
3.09%
|
4.39%
|
$595
|
$0 p.a.
|
95%
|
|
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees.
|
|
|
|
|
|
|
|
3.57%
|
3.59%
|
$0
|
$0 p.a.
|
80%
|
|
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
|
|
|
|
|
|
|
|
3.84%
|
4.16%
|
$0
|
$299 p.a.
|
80%
|
|
Get a 100% offset account, access to a redraw facility and a competitive rate tied to your LVR.
|
|
|
|
|
|
|
|
3.94%
|
3.93%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
A variable rate home loan with no application fees and the opportunity to earn Velocity points.
|
|
|
|
Getting a lower interest rate is one of the best ways to save on your loan. Even a difference of a few basis points saves you thousands over a 30-year mortgage. Here are some tips to help you compare rates:
I have a house that is located in Perth WA and the mortgage is fixed for 2 more years. I would like to change to a lender that is offering less than 3% as the fixed rate of 4.5% can you advise me the safest way to go? mortgage is approximately $160,000 on a 3 year old new home 4 x 2
Hi Rix,
Thanks for getting in touch! To know how you can refinance your current mortgage, you can refer to this page. On the page, you will find a table that compares the features and benefits of each refinance home loan provider such as max loan rate, interest and etc. This way it will be easier for you to see which provider fits you best. Banks like HUME, Virgin and Ubank offer interest rates for less than 3%. If you need further help, a quick guide on how to compare home loans is also stated on the page.
A mortgage broker is the best person to reach out to see your options for refinancing. They can give you a multitude of options according to your situation. In the meantime, to give you an idea of how your monthly repayments will go, you may use the calculator we have on this page.
As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
I have been looking into refinancing my property, but as it’s an acreage (60 ha), no lenders seem to be interested in me.
Hi Ian,
Thank you for getting in touch with Finder.
You may check out lenders on this PAGE. Please seek professional help from a mortgage broker since you’re having a hard time finding the right bank/lender.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I have just paid off my house worth approx $800-850k. I am looking at ways besides dying to assist my two children into getting into a property. Can you expand on the family pledge home loan as they both have not got a deposit or another product in which I can assist with them getting into the property market?
Thanks.
Hi Keith,
Thank you for getting in touch with Finder.
Please see this page for more info on guarantor loan. Basically, you can assist your kids to get a deposit together. For example, the child saves 5% or 10% of a property’s value, and the parent can use the equity in their house to cover the other 10-15%. The child pays back the whole loan (including the amount guaranteed by the parent) Once the parent’s part of the deposit is repaid by the child, the parent/guarantor is usually free from any other debt even if the child can’t repay the rest. But the big risk is if the child can’t repay the loan (including deposit) the parent/guarantor may have to repay it.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Good afternoon!
I am a small investor and have two rented properties. I am enquiring as to what the average percentage rate should be on a current loan please.
Hi Rexjay,
Thank you for getting in touch with Finder.
Please check out this page to compare investment home loan rates. Kindly proceed to the comparison table. Please enter the loan amount and the loan term then click the orange Calculate button to start comparing your loan options. From the page I sent you, the comparison rate starts from 3.99% to 5.35%.
I also suggest that you seek help from a mortgage broker since you’re looking for providers that offer the cheapest rate.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
A mortgage broker has suggested a home loan from a company called BlueBay – I have never heard of them before. Are you able to provide any information?
Thanks.
Hi Lee,
Thank you for getting in touch with finder.
Kindly refer to this page to learn more about Parent Assist Home Loan. As per the said page, the Parent Assist Home Loan is a product offered through a single Australian lender, Bluebay Home Loans.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
H! I need the following information concerning I to need to get $32.000.00 dollars. Is their anybody out there who can lend me money because I’m on new start allowance? I have an excellent credit score would I be able to get a cheap loan on 5 to 6 weeks at the most.I would appreciate a reply as soon as possible because this is really urgent.
Hi Norberto,
Thank you for your question.
I understand the situation you currently have and would advise for you to visit this link to check on loans for unemployed users. You may need to reach out directly to the lender to check what they consider as income during your application of the loan. Hope this helps!
Cheers,
Reggie
I have a $230,000 mortgage on a $900,000 house.
I also have a $600,000 inheritance coming when probate currently in progress settles.
Is there a lender who will give me a line of credit loan 0f $350,000 so I can pay off my present mortgage and have money until probate settles?
I am currently unemployed.
Hi Poida,
Thanks for your message.
While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Being unemployed may post risks or roadblocks when you apply for refinancing. Before putting in an application, it would best if you talk to a mortgage broker to guide you in this process.
Cheers,
Nikki
Hi. I just wanted to know is there any reason why Reduce home loans are no longer on your home loan comparison site ?
Hi Dennis,
Thanks for leaving a question on finder.
Reduce Home Loans is not a bank nor a lender. Reduce Home Loans is a licensed and regulated finance brokerage that sources home loans from a variety of Australian lenders. Because Reduce Home Loans is an online-only business, it has low overheads and can offer lower rates. And because it can source funding from a variety of Australian lenders, it can offer competitive products to borrowers. However, we have a dedicated page about RHL here.
Cheers,
Joel
I am looking to purchace a house in the uk, I have a fully owned unit in Sydney with an approximate value of $900,000 . I would require a loan of $300,000 as I am 80 years of age would a loan for this sum be possible.
Hi Stanley, thanks for your inquiry.
Loans for purchasing property overseas are possible. Some options include:
-Banks in Australia with foreign branches.
-Non-Australian owned foreign banks that provide loans.
-Mortgage brokers in Australia and abroad.
Since your unit is fully owned, this should be a positive factor in sourcing equity to purchase overseas.
We would recommend speaking to a licensed mortgage broker to further discuss your options.
Best,
Jonathan
cheapest interest on reverse mortgage loan ?
Hi Peter!
Thanks for the comment.
You may use this comparison page that we have for Reverse Mortgage to shop around with the rates from different lenders.
Just click “More Info” green button if you wish to proceed with a specific lender.
Hope this helps.
Cheers,
Jonathan