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 February 21st, 2018.

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Richard Whitten Richard
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Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.52% 3.54% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
A competitive variable rate product with no application or valuation fees offered by a 100% online lender.
3.52% 3.53% $0 $0 p.a. 80% Go to site More info
HSBC Home Value Loan - Resident Owner Occupier only, P&I
Enjoy a low variable rate with no ongoing fees and borrow up to 90% of the value of the property.
3.59% 3.60% $0 $0 p.a. 90% Go to site More info
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.49% 4.49% $0 $375 p.a. 90% Go to site More info
Mortgage House Advantage Variable Home Loan - 80 (PAYG Special No Offset)
A home loan with a competitive variable rate, limited fees and plenty of flexibility.
3.64% 3.67% $0 $0 p.a. 80% Enquire now More info
Homestar Finance Variable Rate Home Loan - Owner Occupier ($1200 cashback)
A variable rate home loan with competitive rate, redraw facility and offset account.
3.54% 3.58% $0 $0 p.a. 80% Go to site More info
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.58% 3.58% $0 $0 p.a. 70% Enquire now More info
3.64% 3.67% $0 $0 p.a. 80% Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I)
A special limited time offer for owner occupiers. An IMB Transaction Account must be opened with this loan.
3.69% 3.69% $0 $0 p.a. 90% Go to site More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Take advantage of a 100% offset account along with no annual or application fees.
3.60% 3.62% $0 $0 p.a. 80% Go to site More info
SCU Basic Variable Rate Home Loan
A basic home loan with a low interest rate and a redraw facility available.
3.77% 3.81% $200 $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
A special rate for first home buyers buying residential property and borrowing over $150K. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
3.69% 3.69% $0 $0 p.a. 80% Go to site More info
CUA Advance Variable Home Loan - Owner Occupier, P&I
A competitive variable rate home loan with no application fee.
3.65% 3.66% $0 $0 p.a. 90% Go to site More info
Greater Bank Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only
A competitive variable rate with a redraw facility. NSW, QLD and ACT residents only.
3.74% 3.74% $0 $0 p.a. 90% Go to site More info
Bank Australia Basic Home Loan - Special LVR <80% (Owner Occupier)
A special variable rate home loan with no application or ongoing fees.
3.74% 3.75% $0 $0 p.a. 80% Go to site More info
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
Requires a family member to act as guarantor. Discounted rate available with family pledge loans. Family pledge loans require no LMI and no deposit. NSW, Qld and ACT only.
3.74% 3.74% $0 $0 p.a. 110% Go to site More info
RACQ Mortgage Saver Special Home Loan
A low rate home loan with no application or ongoing fees. Free home & contents insurance for 1 year. T&Cs apply. Note that to be eligible for this loan you must be QLD resident.
3.74% 3.74% $0 $0 p.a. 95% Go to site More info
Bankwest Complete Home Loan Package Variable - LVR <=90% (Owner Occupier, P&I)
A discounted home loan variable rate that comes with a competitive package, an eligible credit card and an offset transaction account.
3.99% 4.41% $0 $395 p.a. 90% Go to site More info
ClickLoans Basic Home Loan - LVR <70%
A low-rate basic home loan requiring a 30% deposit.
3.64% 3.64% $0 $0 p.a. 70% Go to site More info
Tic:Toc Live in Fixed Rate Home Loan - 1 Year (Owner Occupier, P&I)
Apply online for this fixed rate, low-fee loan with redraw facilities and an optional offset account.
3.94% 3.71% $0 $0 p.a. 80% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)
A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.88% 4.89% $0 $395 p.a. 95% Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)
Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.
3.64% 4.03% $0 $395 p.a. 80% Go to site More info
St.George - Residential Investment Principal & Interest 2 year fixed loan (with Advantage Package Special Offer)
A package investment loan with a competitive, discounted interest rate and 0 application fees.
3.89% 5.40% $0 $395 p.a. 95% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed (Principal & Interest)
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
4.11% 4.01% $0 $0 p.a. 80% Go to site More info
ClickLoans Basic Home Loan - LVR <80%
A basic low-rate home loan that still offers some useful features.
3.78% 3.78% $0 $0 p.a. 80% Go to site More info
Mortgage House Advantage Variable Home Loan - LVR 95 Special (Owner Occupier, P&I)
This loan has a high max insured LVR, making it an option for low deposit borrowers.
4.09% 4.12% $0 $0 p.a. 95% Enquire now More info
IMB Platinum Package Fixed Home Loan - 2 Year Fixed (LVR < 90% Owner Occupier)
A 2 years fixed platinum package that has $0 application and a loan redraw facility.
3.65% 4.84% $0 $395 p.a. 90% Go to site More info
Beyond Bank Low Rate Special Home Loan - LVR ≤ 80%
A special low variable rate for owner occupiers with 100% offset account and no application or ongoing fees.
3.73% 3.73% $0 $0 p.a. 80% Go to site More info
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
A low variable rate loan with no application or ongoing fees.
4.09% 4.11% $0 $0 p.a. 80% Go to site More info
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier, IO)
Access the equity in your home with a competitive interest-only rate and no application fee.
3.94% 3.97% $0 $0 p.a. 80% Go to site More info
HSBC Premier Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier, P&I)
Low fixed rate offer from HSBC. Reverts to a discounted variable rate after the initial term.
3.85% 4.82% $600 $35 monthly ($420 p.a.) 90% Enquire now More info
ME Flexible Home Loan Fixed - 2 Year Fixed Rate (Owner Occupier, P&I)
Get a competitive 2-year fixed rate with no application or ongoing fees.
3.84% 4.83% $0 $0 p.a. 80% Go to site More info
IMB Essentials Home Loan - $300,000+, LVR < 90% (Owner Occupier, P&I)
A competitive variable rate home loan with no ongoing fees.
3.97% 3.97% $0 $0 p.a. 90% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Years Fixed (Owner Occupier, P&I)
Enjoy a low interest rate and borrow up to 90% (with LMI) of your property's value.
3.89% 4.87% $0 $0 p.a. 90% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 2 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Discount off an already competitive 2 year fixed rate for loans over $150k. NSW,QLD and ACT residents only.
3.69% 4.47% $0 $375 p.a. 90% Go to site More info
Westpac Fixed Options Home Loan Premier Advantage Package - 2 Years, P&I
Refinance from your existing loan and get a $1,250 rebate. Lock in a discounted fixed rate with a low service fee.
3.88% 4.88% $0 $395 p.a. 95% Enquire now More info
Yellow Brick Road Empower Home Loan - 3 Years Fixed (Owner Occupier P&I)
A competitive 3-year fixed rate loan with a high max insured LVR.
4.19% 3.89% $0 $0 p.a. 95% Enquire now More info
Bank of Melbourne Basic Home Loan - Promotional Rate (Owner Occupiers, P&I)
A basic home loan with a promotional variable interest rate.
3.64% 3.65% $500 $0 p.a. 95% Enquire now More info
St.George Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
A no frills loan with a competitive rate and a maximum LVR of 95%.
3.68% 3.69% $0 $0 p.a. 95% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier, P&I)
A competitive variable rate home loan with flexible features. You can earn 30,000 Velocity Points for every $100k you borrow (for a limited time, subject to eligibility requirements).
3.64% 3.78% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier) New Customers Only
A discounted interest rate home loan with no monthly fees.
3.69% 3.71% $0 $0 p.a. 90% Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
Get a competitive interest rate for 3 years and a discounted variable rate when the fixed period ends.
3.87% 3.87% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
Aussie Select Basic Variable  -  (LVR <= 70%) (Owner Occupier, P&I)
A competitive rate with no ongoing monthly fees or application fees.
3.79% 3.80% $0 $0 p.a. 80% Enquire now More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
Enjoy a low variable rate with no application and ongoing fees.
3.69% 3.69% $0 $398 p.a. 70% Enquire now More info
ANZ Simplicity PLUS Home Loan - Special Offer (Owner Occupier, P&I)
Enjoy a basic home loan with a high LVR and no application or ongoing fees.
3.99% 4.03% $0 $0 p.a. 95% Enquire now More info
Commonwealth Bank Wealth Package Fixed Home Loan - 2 Year Fixed (Owner Occupier) P&I
A package home loan with fee free extra repayments available during the fixed term.
3.99% 4.99% $0 $395 p.a. 95% Enquire now More info
St.George Fixed Rate Advantage Package -  2 Year Fixed Rate (Owner Occupier, P&I)
A discounted package rate for owner occupiers with the ability to package a Qantas rewards earning Amplify credit card. $1,500 cashback available for refinancers. Conditions apply.
3.85% 4.95% $0 $395 p.a. 95% Enquire now More info
3.68% 3.69% $0 $0 p.a. 90% Enquire now More info
Westpac Flexi First Option Home Loan - 2 Years Introductory Special Offer (New Owner Occupier, P&I)
This competitive introductory rate is a limited time offer for new owner-occupiers
3.59% 4.42% $600 $0 p.a. 95% Enquire now More info
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Home Loan Offers

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

A competitive interest rate home loan with interest only options. Interest rate 3.52%p.a.
comp rate of 3.54%p.a.

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

A competitive variable rate product with no application or valuation fees offered by a 100% online lender.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special

A special rate for first home buyers buying residential property and borrowing over $150K. 350K NAB Rewards Points offer available. Terms and conditions apply.

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