Compare Interest Rates in Australia

At finder, we compare hundreds of interest rates across dozens of providers and products.

This directory helps you find all the interest rates we cover and compare. We aim to update the interest rates in real time to help you save money on your credit card, home loan, personal loan, savings account, term deposit and more.

The table below shows a curated list of home loans.

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Current interest rates for home loans

Rates last updated November 16th, 2018.

Tic:Toc Live in Loan Fixed Rate - 1 Year (Owner Occupier, P&I)

Interest rate is now 3.64%

July 26th, 2018

Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed (Principal & Interest)

Interest rate decreased by 0.27%

July 26th, 2018

Tic:Toc Live in Loan Fixed Rate - 2 Years (Owner Occupier, P&I)

Interest rate is now 3.74%

July 26th, 2018

View latest updates

Richard Whitten Richard
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Loan purpose
Offset account
Loan type
Repayment type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.59% 3.59% $0 $0 p.a. 80% Go to site More info
HSBC Home Value Loan - (Owner Occupier P&I)
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.
3.59% 3.61% $0 $0 p.a. 90% Go to site More info
NAB Base Variable Rate Home Loan - Principal and Interest (limited time special offer for owner occupiers only)
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
3.87% 3.91% $600 $0 p.a. 95% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.
3.57% 3.58% $0 $0 p.a. 80% Go to site More info
Homestar Finance Variable Rate Home Loan - Owner Occupier ($900 cashback)
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.54% 3.58% $0 $0 p.a. 80% Go to site More info
Mortgage House Equity Saver Refinancer Special
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
3.54% 3.57% $0 $0 p.a. 80% Enquire now More info
SCU My Life Variable Rate Home Loan Package - $150,000+ (Owner Occupier, P&I)
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
3.59% 4.00% $845 $350 p.a. 90% Go to site More info
CUA Achieve Variable Home Loan - Owner Occupier, P&I
Competitive variable rate mortgage with a partial offset account. Get this loan with a 10% deposit.
3.75% 3.80% $600 $0 p.a. 90% Go to site More info
Well Home Loans Balanced Variable - (Owner occupier, P&I)
A very low variable interest rate for borrowers with a 20% deposit. Add a 100% offset account for $10 a month.
3.49% 3.53% $250 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.49% 4.57% $0 $395 p.a. 90% Go to site More info
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.64% 3.64% $0 $0 p.a. 70% Enquire now More info
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000. Plus $1,500 cashback offer for eligible refinancers.
3.79% 3.80% $0 $0 p.a. 90% Enquire now More info
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I)
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.68% 3.70% $0 $0 p.a. 80% Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
Get double Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
3.68% 3.82% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Mortgage Choice Basic Variable Rate - OO LVR <= 70% ($150k +) P&I Only
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
3.64% 3.64% $0 $0 p.a. 70% Enquire now More info
RACQ Bank Mortgage Saver Special Home Loan
A low deposit mortgage with a competitive rate and plenty of flexibility. QLD residents only. Eligible borrowers can get a 15% discount on home and contents insurance for the life of their loan.
3.62% 3.62% $0 $0 p.a. 95% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
Special discounted rate for first home buyers. Start your home buying journey with 2 years of fixed repayments at a competitive rate plus package discounts. Available with a 10% deposit.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
Easy Street Standard Variable Special Home Loan
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
3.49% 3.52% $500 $0 p.a. 95% Go to site More info
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier) New Customers Only
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
3.67% 3.72% $600 $0 p.a. 80% Go to site More info
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.69% 4.12% $0 $395 p.a. 80% Go to site More info
loans.com.au Zip Home Loan
A competitive variable rate mortgage for owner occupiers that comes with a no fee debit card with a $5,000 limit.
3.68% 3.70% $0 $0 p.a. 80% Go to site More info
Online Home Loans Flexi Choice Prime - Standard LVR up to 80% (Owner Occupier, P&I)
This variable mortgage has flexible repayments, a 100% offset account and no application fee.
3.94% 3.98% $0 $0 p.a. 80% Enquire now More info
AMP Professional Package Variable Rate Home Loan - $500,000 to $749,999 (Owner Occupier, P&I)
Get a sharp rate plus package discounts and a 100% offset account.
3.74% 4.13% $0 $349 p.a. 90% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier, P&I)
Earn double Velocity Frequent Flyer Points on your mortgage for a limited time (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
3.64% 3.78% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate - 2 Years Fixed (Owner Occupier, P&I)
Enjoy a discounted fixed rate and the ability to package the loan with other financial products.
3.74% 4.69% $0 $395 p.a. 90% Go to site More info
Tic:Toc Live in Loan Fixed Rate - 2 Years (Owner Occupier, P&I)
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
3.64% 3.59% $0 $0 p.a. 80% Go to site More info
Mortgage House Equity Growth Investor Special
An essentials variable investor mortgage with a high borrowing amount so you can fund a large purchase.
3.79% 3.82% $0 $0 p.a. 80% Enquire now More info
Community First Accelerator Home Loan Package - $250k and over New Money Offer (Owner Occupier, P&I)
Get interest rate discounts and waived fees on this package loan with a 100% offset account.
3.59% 3.99% $600 $395 p.a. 95% Go to site More info
Mortgage Choice Basic Variable Rate - OO LVR <= 80% ($150k +) P&I Only
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
3.74% 3.74% $0 $0 p.a. 80% Enquire now More info
Beyond Bank Low Rate Special Home Loan - LVR ≤ 80% (Owner Occupier)
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
3.79% 3.79% $0 $0 p.a. 80% Go to site More info
Macquarie Bank Offset Home Loan  - LVR ≤ 70% (Owner Occupier, P&I)
Borrowers with a 30% deposit can get this competitive rate. Cut down on interest costs with a 100% offset account.
3.75% 4.00% $0 $248 p.a. 70% Enquire now More info
ClickLoans The Online Home Loan - LVR <80%
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
3.84% 3.84% $0 $0 p.a. 80% Go to site More info
Easy Street Fixed Home Loan - 2 Years (Owner Occupier, P&I)
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
3.85% 4.18% $500 $0 p.a. 95% Go to site More info
Tic:Toc Live in Loan Fixed Rate - 1 Year (Owner Occupier, P&I)
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.
3.59% 3.58% $0 $0 p.a. 80% Go to site More info
Macquarie Bank Flyer Home Loan
Earn tens of thousands of Qantas Points to spend on flights, hotels and more with this variable owner occupier mortgage. Competitive variable rate mortgage that requires a 30% deposit.
3.80% 3.80% $0 $0 p.a. 70% Enquire now More info
Online Home Loans Flexi Choice Prime - Pro Pack LVR up to 80% (Owner Occupier, P&I)
Flexible, competitive variable rate that has flexible repayments, split and redraw facilities.
3.84% 4.22% $345 $0 p.a. 80% Enquire now More info
Mortgage Choice Plus Home Loan - OO LVR <=80% ($150k+) P&I Only
A home loan with a competitive rate and plenty of handy features. This product comes with a 100% offset account.
3.81% 3.81% $0 $0 p.a. 80% Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.87% 3.91% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
ClickLoans The Online Home Loan - LVR <70%
Get a discount for keeping your LVR at $70% or below with this innovative online lender.
3.70% 3.70% $0 $0 p.a. 70% Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
New borrowers or refinancers can get a discounted rate with this package loan. Bonus $1,500 cashback for refinancers.
3.72% 4.10% $0 $395 p.a. 80% Go to site More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.75% 3.75% $0 $0 p.a. 70% Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 2 Years LVR < 90 (Owner Occupier, P&I)
Enjoy a competitive fixed rate with no application fee. Earn double Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
3.99% 3.92% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
Easy Street Fixed Home Loan - 3 Years New money offer (Owner Occupier, P&I)
Competitive 3-year rate for homeowners. Comes with a low deposit option and 100% offset account.
3.69% 4.13% $500 $0 p.a. 95% Go to site More info
Newcastle Permanent Building Society  Premium Plus Package Fixed Rate - 1 Year Fixed (Owner Occupier, P&I)
Enjoy a competitive rate with no application fee for this package loan.
3.69% 4.75% $0 $395 p.a. 90% Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% (<$500k Owner Occupier, P&I)
Borrow up to $500000 and earn Velocity Frequent Flyer Points (terms and conditions apply).
3.73% 3.87% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
ClickLoans The Online Home Loan - LVR <70% with Offset
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
3.70% 3.90% $0 $0 p.a. 70% Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Investor, P&I)
A competitive variable rate home loan with no application fee.
3.99% 4.13% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
3.72% 3.74% $0 $0 p.a. 80% Go to site More info
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Up to $750,000 Owner Occupier, P&I)
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
3.85% 3.85% $0 $0 p.a. 80% Enquire now More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)
Low deposit home loan. Enjoy flexible repayment options while paying limited fees.
3.79% 4.87% $0 $395 p.a. 95% Go to site More info
Beyond Bank Fixed Rate Home Loan - 3 Year Fixed Rate Home Loan Special (Owner Occupier, P&I)
A flexible 3 year fixed rate loan you can use to buy your own home.
3.83% 4.89% $0 $395 p.a. 80% Go to site More info
AMP Professional Package Variable Rate Home Loan - $750,000 and above (Owner Occupier, P&I)
Package your loan with other AMP products and save on rates and fees.
3.69% 4.08% $0 $349 p.a. 90% Enquire now More info
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier, IO)
A low-fee line of credit loan from an online lender. Unlock the equity in your home and make interest-only repayments with a competitive rate.
3.93% 3.94% $0 $0 p.a. 80% Go to site More info
loans.com.au Offset Variable - Package Offset (Investment, P&I)
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
3.97% 3.99% $0 $0 p.a. 80% Go to site More info
AMP Essential Home Loan  -  $100,000 and above (Owner Occupier)
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
4.04% 4.07% $0 $0 p.a. 90% Enquire now More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Investor, P&I)
Investors with a 30% deposit can get this low rate loan to fund their property portfolio. Take advantage of split and redraw facilities.
3.99% 3.99% $0 $0 p.a. 70% Enquire now More info
UBank UHomeLoan Variable Rate -  Discount Offer for Owner Occupied Variable P&I Rate — borrowing less than $200,000
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.89% 3.91% $0 $0 p.a. 80% Go to site More info
UBank UHomeLoan Variable Rate -Discount Offer for Investor Variable P&I Rate
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.99% 3.99% $0 $0 p.a. 80% Go to site More info
Yellow Brick Road Empower Home Loan - 3 Years Fixed LVR up to 95% (Owner Occupier P&I)
A competitive 3-year fixed rate loan with a high max insured LVR.
4.29% 4.26% $0 $0 p.a. 95% Enquire now More info
Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed (Principal & Interest)
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
3.84% 3.91% $0 $0 p.a. 80% Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
A one year fixed rate offer with no ongoing bank fees.
3.59% 4.14% $395 $0 p.a. 80% Go to site More info
ME Flexible Home Loan Fixed - 2 Year Fixed Rate (Owner Occupier, P&I)
Access a fee-free 100% offset account and pay no application or ongoing fees.
3.99% 4.86% $0 $0 p.a. 80% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Years Fixed (Owner Occupier, P&I)
Borrow up to 95% LVR of the value of the property you're buying and pay no application or ongoing fees.
3.94% 4.95% $595 $0 p.a. 95% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 2 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
A fixed rate loan with a 100% offset account and the option to make additional repayments. Loans over $150000 receive a discounted rate. NSW, QLD and ACT residents only.
3.69% 4.54% $0 $395 p.a. 90% Go to site More info
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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

HSBC Home Value Loan - (Owner Occupier P&I)

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.

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