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New home loan rate changes for Jan-Feb 2017

Jodie Humphries 13 January 2017 NEWS

out of cycle rate changesThe RBA has yet to meet for the first time in 2017 but lenders are opting to start the year with their own rate changes

As the RBA takes a break for January and begins to gather data for its meeting and announcement on 7 February 2017 lenders have taken it upon themselves to continue the trend that began late last year of making changes independent of what the RBA decides for the cash rate. We have already seen ME, Virgin Money and Suncorp have all already announced or implemented changes to their variable or fixed products or both.

Major lenders changes

Lender Change Loans affected Date effective
ANZ Up 0.20 - 0.40% Fixed Rate Home Loan - 2, 3, 4 Years Fixed Rate (owner occupier + investor), Breakfree Package Home Loan 2, 3, 4 Years Fixed Rate (owner occupier + investor) 13 Jan
ANZ Down 0.20 - 0.23% Breakfree Package Home Loan - Variable (owner occupier + investor) 13 Jan
NAB Down 0.10-0.15% Tailored Fixed Rate Home Loan - 1 Year Fixed Rate, Choice Package Fixed Rate Home Loan - 1 Year Fixed Rate 16 Jan
NAB Up 0.05 - 0.80% Tailored Fixed Rate Home Loan - 2,3,4,5 Year Fixed Rate (Owner Occupier + Investor), Choice Package - 2,3,4, Years Fixed Rate (Owner Occupier + Investor) 16 Jan

All other lenders changes

LenderChangeLoans affectedDate effective
Bank AustraliaUp 0.10 - 0.25%Basic Home Loan - 3, 5 Years Fixed Rate (owner occupier), Premium Home Loan Package - 3, 5 Years Fixed Rate (owner occupier)3 Jan
Bank AustraliaDown 0.20 - 0.50%Basic Home Loan - 1, 2, 3, 5 Years Fixed Rate (investor), Premium Package Home Loan - 1, 2, 3, 5 Years Fixed Rate (investor)3 Jan
BankwestUp 0.10 - 0.20%

Complete Home Loan Package - 2,3,5 Years Fixed Rate (investor), Fixed Rate Home Loan - 2,3,5 Years (investor)

24 Jan
Bank of QueenslandUp 0.10 - 0.25%Fixed Rate Home Loan - 3, 4, 5 Years Fixed Rate (owner occupier + investor), Discount 3 Years Fixed Rate Home Loan6 Jan
Bendigo BankUp 0.05 - 0.15%Connect Fixed Rate Home Loan - 1, 2, 3 Years Fixed Rate (owner occupier + investor), Residential Investment - 1, 2, 3, 4, 5 Years Fixed Rate, Basic Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor)4 Jan
Beyond BankUp 0.05 - 0.10%Pinnacle Plus Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor), Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor), Total Home Loan Package - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor)29 Dec
CUAUp 0.07 - 0.15%Fixed Rate Home Loan - 1,2,3 Years Fixed Rate (Owner Occupier + Investor), Premium Fixed Rate Home Loan - 1,2,3 Years Fixed Rate (Owner Occupier + Investor)19 Jan
G&C Mutual BankUp to 0.05 - 0.10%Fixed Rate Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor)25 Jan
Greater BankUp 0.05 - 0.20%Ultimate Fixed Rate - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor), Ultimate Discounted Fixed - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor), Great Rate Fixed Rate- 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor), Great Rate Discounted Fixed - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor)16th Jan
Heritage Bank

Up to 0.10%

Fixed Rate Home Loan - 2, 3, 5 Years Fixed Rate (investor), Advantage Package Home Loan - 2, 3,5 Years Fixed Rate (investor)

17 Jan
Heritage Bank

Up 0.05%

Fixed Rate Home Loan - 2 Year (owner occupier), Advantage Package Fixed Rate Home Loan - 2 Year (owner occupier)

7 Feb
Heritage Bank

Down 0.30%

Fixed Rate Home Loan - 1 Year (owner occupier + investor)

7 Feb
Homeloans

Up to 0.11 - 0.20%

Fixed Rate Home loan - 1, 2, 3, 4, 5 Years Fixed rate (owner occupier + investor), Alt Doc Fixed Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor)

27 Jan
Homeloans

Up to 0.05 - 0.10%

Ultra Plus Fixed Home Loan - 2 & 3 Years Fixed rate (owner occupier + investor)

13 Feb
ING DIRECT

Up to 0.05 - 0.15%

Fixed rate Home Loan - 1, 2, 3, 4, 5 Years Fixed Rate (owner occupier + investor)

17 Feb
Newcastle Permanent

Up 0.09 - 0.10%

Fixed Rate Home Loan - 3, 4, 5 Years Fixed Rate (owner occupier + investor)

23 Jan
Newcastle Permanent

Up 0.10% - 0.60%

Fixed Rate Home Loan - 1, 2, 3, 4, 5, 7, 10 Years Fixed Rate (owner occupier + investor)

13 Feb
UBank

Up 0.22% - 0.30%

Fixed Rate Home Loan - 3, 5 Years Fixed Rate (owner occupier + investor)

14 Feb
Virgin MoneyUp 0.20 - 0.24%Reward Me Fixed Rate Home Loan - 3, 4, 5 Years Fixed Rate (owner occupier + investor)6 Jan
Virgin MoneyDown 0.16 - 0.30%Reward Me Fixed Rate Home Loan - 1, 2 Years Fixed Rate (owner occupier + investor)6 Jan
LenderChangeLoans affectedDate effective
AMPUp 0.15%Essentials Home Loan (investor), Professional Package Home Loan - Variable (investor), Professional Package Home Loan - Line of Credit (investor), Basic Package Home Loan - Variable (investor), Classic Home Loan - Variable (investor), Classic Club Introductory Home Loan - Variable (investor), Classic Club Line of Credit Home Loan (investor), Land Loan (investor), SuperEdge Home Loan - Variable (investor)9 Jan
Australian UnityUp 0.06%Health, Wealth and Happiness Package Home Loan - Variable (owner occupier)2 Feb
Bank AustraliaUp 0.08 - 0.12%Basic Home Loan - Variable (owner occupier + investor), Premium Home Loan Package - Variable (owner occupier + investor), Bridging Home Loan - Variable, Line of Credit Home Loan3 Jan
Bank AustraliaDown 0.72 - 0.92%Premium Home Loan - Variable LVR <80% (owner occupier)3 Jan
Bank AustraliaUp 0.08%Basic Home Loan - Variable (owner occupier)20 Feb
Bank of QueenslandUp 0.15%Clear Path Variable Home Loan (owner occupier + investor), Clear Path Line of Credit Home Loan (owner occupier + investor), Standard Variable Home Loan (owner occupier + investor), Low Doc Standard Variable Home Loan (investor), Low Doc Line of Credit Home Loan (owner occupier + investor)6 Jan
BankwestUp to 0.10 - 0.30%Complete Home Loan Package - Variable (investor), Premium Select Home Loan - Variable (investor), Equaliser Home Loan - 3 Years Introductory (investor)17 Jan
BankwestUp 0.20%

Premium Select Home Loan - Variable (investor), Complete Home Loan Package - Variable (investor)

24 Jan
BankwestUp to 0.10 - 0.40%

Complete Home Loan Package - Variable (investor), Premium Select Home Loan - Variable (investor), Equaliser Home Loan - 3 Years Introductory (investor)

31 Jan
Catalyst MoneyUp 0.10%Variable Lite & Variable Home Loans (owner occupier + investor)20 Feb
Heritage BankDown 0.30 - 0.70%Discount Variable Home Loan - Discount Variable, Special Rate Offer (owner occupier)4 Jan
Heritage BankUp to 15%Discount Variable Home Loan - Discount Variable, Special Rate (investor), Standard Variable Home Loan - Variable (investor), Advantage Package Home Loan - Standard Variable (investor)17 Jan
Heritage BankUp to 0.15%Advantage Package (Owner Occupier + Investor), Living Equity Line of Credit (Owner Occupier + Investor)7 Feb
HomeloansUp to 15%Ultra Plus Variable Home Loan (Owner Occupier + Investor)24 Jan
HomeloansUp to 0.10 - 0.18%Monipower Home Loan - Variable (investor)20 Feb
Illawarra Credit UnionUp 10%Variable Lite & Variable Home Loans (owner occupier + investor)20 Feb
IMBUp to 0.10 - 0.19%

Standard Variable Home Loan (Owner Occupier + Investor), Platinum Package (Owner Occupier + Investor), Lo Doc Home Loan, Introductory Variable Rate Home Loan, Equity Line Advantage Home Loan, Discount Split Home Loan(Owner Occupier), Accelerator Home Loan

30 Jan
ING DIRECTUp to 0.15%

Orange Advantage Home Loan - Variable LVR <=80% (investor), Mortgage Simplifier Home Loan - Variable LVR <=80% (investor)

17 Feb
ING DIRECTDown 0.03 - 0.05%

Orange Advantage Home Loan - Variable LVR >80% <=90% (investor), Mortgage Simplifier Home Loan - Variable LVR >80% <=90% (investor)

17 Feb
ME BankUp 0.05 - 0.10%Flexible Home Loan (owner occupier + investor), Basic Home Loan (owner occupier + investor), Flexible Home Loan with Members Package (owner occupier + investor)4 Jan
Newcastle PermanentUp 0.10%

Premium Plus Package Home Loan - New Customer Offer (owner occupier)

27 Feb
Pepper MoneyDown 0.10%

Near Prime and Specialist home loans

27 Feb
RAMSUp 0.15%Full Feature Advantage Package - Variable (owner occupier + investor), Line of Credit, Full Feature Advantage Package - Line of Credit, Low Rate Home Loan (owner occupier + investor), Self-Employed Line of Credit, Self-Employed Line of Credit with Value Advantage Package, Self-Employed Home Loan (owner occupier + investor), Self-Employed Home Loan with Value Advantage Package (owner occupier + investor)16 Jan
State CustodiansUp 0.10%

Line Of Credit Loan Spring Special(owner occupier + investor), Standard Variable Spring Special (owner occupier + investor), Breathe Easy Spring Special (owner occupier + investor)

27 Feb
SuncorpUp 0.15%Back to Basics Home Loan (owner occupier), Standard Variable Home Loan (owner occupier)23 Jan
Virgin MoneyUp 0.10 - 0.15%Reward Me Variable Home Loan (owner occupier + investor)6 Jan
Western CityUp 0.10%Variable Lite & Variable Home Loans (owner occupier + investor)20 Feb

Compare home loans for October 2018 to make sure you're getting the best rate

Rates last updated October 24th, 2018
$
Loan purpose
Offset account
Loan type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
3.59%
3.59%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Tic:Toc Live in Loan Variable Rate - Principal & Interest
3.57%
3.58%
$0
$0 p.a.
80%
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.
Go to site More info
HSBC Home Value Loan - (Owner Occupier P&I)
HSBC Home Value Loan - (Owner Occupier P&I)
3.59%
3.61%
$0
$0 p.a.
90%
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.
Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
loans.com.au Essentials - Variable (Owner Occupier, P&I)
3.64%
3.66%
$0
$0 p.a.
80%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
Go to site More info
NAB Base Variable Rate Home Loan - Principal and Interest (limited time special offer for owner occupiers only)
NAB Base Variable Rate Home Loan - Principal and Interest (limited time special offer for owner occupiers only)
3.69%
3.73%
$600
$0 p.a.
95%
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
3.68%
3.82%
$0
$10 monthly ($120 p.a.)
80%
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.
Enquire now More info
SCU My Life Variable Rate Home Loan Package - $150,000+ (Owner Occupier, P&I)
SCU My Life Variable Rate Home Loan Package - $150,000+ (Owner Occupier, P&I)
3.59%
3.62%
$0
$350 p.a.
90%
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
Go to site More info
Mortgage House Equity Saver Refinancer Special
Mortgage House Equity Saver Refinancer Special
3.54%
3.57%
$0
$0 p.a.
80%
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
Enquire now More info
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
3.69%
4.12%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
3.49%
4.57%
$0
$395 p.a.
90%
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
Go to site More info
Yellow Brick Road Rate Smasher Home Loan
Yellow Brick Road Rate Smasher Home Loan
3.64%
3.64%
$0
$0 p.a.
70%
A low interest rate home loan with no application or ongoing fees.
Enquire now More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
3.69%
4.86%
$0
$395 p.a.
90%
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.
Go to site More info
loans.com.au Zip Home Loan
loans.com.au Zip Home Loan
3.68%
3.70%
$0
$0 p.a.
80%
A competitive variable rate mortgage for owner occupiers that comes with a no fee debit card with a $5,000 limit.
Go to site More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
3.75%
3.75%
$0
$0 p.a.
70%
Pay no application or ongoing fees and get a flexible loan with the ability to split up to 6 times.
Enquire now More info
ING Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier with Orange Advantage)
ING Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier with Orange Advantage)
3.58%
4.71%
$0
$299 p.a.
95%
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier, P&I)
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier, P&I)
3.64%
3.78%
$0
$10 monthly ($120 p.a.)
80%
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.
Enquire now More info
Mortgage House Equity Growth Investor Special
Mortgage House Equity Growth Investor Special
3.79%
3.82%
$0
$0 p.a.
80%
An essentials variable investor mortgage with a high borrowing amount so you can fund a large purchase.
Enquire now More info
AMP Professional Package Variable Rate Home Loan - $500,000 to $749,9999 (Owner Occupier, P&I)
AMP Professional Package Variable Rate Home Loan - $500,000 to $749,9999 (Owner Occupier, P&I)
3.74%
4.13%
$0
$349 p.a.
90%
Get a sharp rate plus package discounts and a 100% offset account.
Enquire now More info
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
3.79%
3.80%
$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.
Enquire now More info
Aussie Select Basic Variable - (LVR <= 70%) (Owner Occupier, P&I)
Aussie Select Basic Variable - (LVR <= 70%) (Owner Occupier, P&I)
3.84%
3.85%
$0
$0 p.a.
70%
Keep your LVR at 70% or below and enjoy a special discounted rate. Also, pay no application or ongoing fees.
Enquire now More info
Tic:Toc Live in Loan Fixed Rate - 2 Years (Owner Occupier, P&I)
Tic:Toc Live in Loan Fixed Rate - 2 Years (Owner Occupier, P&I)
3.64%
3.59%
$0
$0 p.a.
80%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
Go to site More info
Beyond Bank Low Rate Special Home Loan - LVR ≤ 80% (Owner Occupier)
Beyond Bank Low Rate Special Home Loan - LVR ≤ 80% (Owner Occupier)
3.79%
3.79%
$0
$0 p.a.
80%
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
Go to site More info
Homestar Finance Variable Rate Home Loan - Owner Occupier ($900 cashback)
Homestar Finance Variable Rate Home Loan - Owner Occupier ($900 cashback)
3.54%
3.58%
$0
$0 p.a.
80%
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
Go to site More info
Macquarie Bank Flyer Home Loan
Macquarie Bank Flyer Home Loan
3.80%
3.80%
$0
$0 p.a.
70%
Earn tens of thousands of Qantas Points or more with this variable owner occupier mortgage. Requires a 30% deposit.
Enquire now More info
Mortgage Choice Plus Home Loan - OO LVR <=70% ($150k+) P&I Only
Mortgage Choice Plus Home Loan - OO LVR <=70% ($150k+) P&I Only
3.71%
3.71%
$0
$0 p.a.
70%
A variable rate home loan that has a lot of flexible features. This loan has a 100% offset account.
Enquire now More info
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Owner Occupier, P&I)
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Owner Occupier, P&I)
3.88%
3.89%
$0
$0 p.a.
90%
Save on interest with a free 100% offset account and buy your property with just a 10% deposit.
Go to site More info
Community First Accelerator Home Loan Package - $250k and over New Money Offer (Owner Occupier, P&I)
Community First Accelerator Home Loan Package - $250k and over New Money Offer (Owner Occupier, P&I)
3.59%
3.99%
$600
$395 p.a.
95%
Get interest rate discounts and waived fees on this package loan with a 100% offset account.
Go to site More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
3.72%
3.74%
$0
$0 p.a.
80%
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
Go to site More info
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Up to $750,000 Owner Occupier, P&I)
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Up to $750,000 Owner Occupier, P&I)
3.85%
3.85%
$0
$0 p.a.
80%
Pay no application and ongoing fees with Macquarie Bank Basic Home Loan. Split and redraw facilities included.
Enquire now More info
Beyond Bank Fixed Rate Home Loan - 3 Year Fixed Rate Home Loan Special (Owner Occupier, P&I)
Beyond Bank Fixed Rate Home Loan - 3 Year Fixed Rate Home Loan Special (Owner Occupier, P&I)
3.83%
4.89%
$0
$395 p.a.
80%
A flexible 3 year fixed rate loan you can use to buy your own home.
Go to site More info
Mortgage Choice Basic Variable Rate - OO LVR <= 70% ($150k +) P&I Only
Mortgage Choice Basic Variable Rate - OO LVR <= 70% ($150k +) P&I Only
3.64%
3.64%
$0
$0 p.a.
70%
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
Enquire now More info
ClickLoans The Online Home Loan - LVR <80%
ClickLoans The Online Home Loan - LVR <80%
3.84%
3.84%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
Go to site More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
3.87%
3.91%
$0
$10 monthly ($120 p.a.)
90%
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.
Enquire now More info
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
Go to site More info
AMP Professional Package Fixed Loan - 3 Years (Owner Occupier, P&I)
AMP Professional Package Fixed Loan - 3 Years (Owner Occupier, P&I)
3.79%
4.67%
$0
$349 p.a.
90%
A package home loan with a sharp fixed rate and a 10% deposit option for low deposit borrowers.
Enquire now More info
ClickLoans The Online Home Loan - LVR <70% with Offset
ClickLoans The Online Home Loan - LVR <70% with Offset
3.70%
3.90%
$0
$0 p.a.
70%
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
Go to site More info
Mortgage Choice Basic Variable Rate - OO LVR <= 80% ($150k +) P&I Only
Mortgage Choice Basic Variable Rate - OO LVR <= 80% ($150k +) P&I Only
3.74%
3.74%
$0
$0 p.a.
80%
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
Enquire now More info
Easy Street Fixed Home Loan - 2 Years (Owner Occupier, P&I)
Easy Street Fixed Home Loan - 2 Years (Owner Occupier, P&I)
3.85%
4.18%
$500
$0 p.a.
95%
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
3.72%
4.10%
$0
$395 p.a.
80%
New borrowers or refinancers can get a discounted rate with this package loan. Bonus $1,500 cashback for refinancers.
Go to site More info
Tic:Toc Live in Loan Fixed Rate - 1 Year (Owner Occupier, P&I)
Tic:Toc Live in Loan Fixed Rate - 1 Year (Owner Occupier, P&I)
3.59%
3.58%
$0
$0 p.a.
80%
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.
Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Investor, P&I)
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Investor, P&I)
3.99%
4.13%
$0
$10 monthly ($120 p.a.)
80%
A competitive variable rate home loan with no application fee.
Enquire now More info
RACQ Bank Mortgage Saver Special Home Loan
RACQ Bank Mortgage Saver Special Home Loan
3.62%
3.62%
$0
$0 p.a.
95%
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.
Go to site More info
Tic:Toc Live in Loan Fixed Rate - 3 Years (Owner Occupier, P&I)
Tic:Toc Live in Loan Fixed Rate - 3 Years (Owner Occupier, P&I)
3.84%
3.82%
$0
$0 p.a.
80%
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
Go to site More info
loans.com.au Package Special - 2 Year Fixed (Owner Occupier, IO)
loans.com.au Package Special - 2 Year Fixed (Owner Occupier, IO)
3.89%
3.94%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 80% LVR.
Go to site More info
Virgin Reward Me Variable Home Loan - LVR <= 80% (<$500k Owner Occupier, P&I)
Virgin Reward Me Variable Home Loan - LVR <= 80% (<$500k Owner Occupier, P&I)
3.73%
3.87%
$0
$10 monthly ($120 p.a.)
80%
Borrow up to $500000 and earn Velocity Frequent Flyer Points (terms and conditions apply).
Enquire now More info
Macquarie Bank Offset Home Loan - LVR ≤ 70% (Owner Occupier, P&I)
Macquarie Bank Offset Home Loan - LVR ≤ 70% (Owner Occupier, P&I)
3.75%
4.00%
$0
$248 p.a.
70%
Borrowers with a 30% deposit can get this competitive rate.
Enquire now More info
Newcastle Permanent Building Society Premium Plus Package Fixed Rate - 1 Year Fixed (Owner Occupier, P&I)
Newcastle Permanent Building Society Premium Plus Package Fixed Rate - 1 Year Fixed (Owner Occupier, P&I)
3.69%
4.75%
$0
$395 p.a.
90%
Enjoy a competitive rate with no application fee for this package loan.
Go to site More info
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
3.74%
3.74%
$0
$0 p.a.
110%
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, Qld and ACT only.
Go to site More info
Auswide Bank Variable Home Loan Plus with Freedom Package - $100K+ LVR <= 90% (Special Offer, Owner Occupier)
Auswide Bank Variable Home Loan Plus with Freedom Package - $100K+ LVR <= 90% (Special Offer, Owner Occupier)
3.76%
4.15%
$0
$395 p.a.
90%
A high maximum LVR home loan with redraw facility and additional payments. Get this mortgage with a 10% deposit.
Go to site More info
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier) New Customers Only
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier) New Customers Only
3.67%
3.69%
$0
$0 p.a.
80%
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
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Mortgage Choice Plus Home Loan - OO LVR <=80% ($150k+) P&I Only
Mortgage Choice Plus Home Loan - OO LVR <=80% ($150k+) P&I Only
3.81%
3.81%
$0
$0 p.a.
80%
A home loan with a competitive rate and plenty of handy features. This product comes with a 100% offset account.
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AMP Essential Home Loan - $100,000 and above (Owner Occupier)
AMP Essential Home Loan - $100,000 and above (Owner Occupier)
4.04%
4.07%
$0
$0 p.a.
90%
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
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loans.com.au Offset Variable - Package Offset (Investment, P&I)
loans.com.au Offset Variable - Package Offset (Investment, P&I)
3.97%
3.99%
$0
$0 p.a.
80%
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
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AMP Professional Package Variable Rate Home Loan - $750,000 and above (Owner Occupier, P&I)
AMP Professional Package Variable Rate Home Loan - $750,000 and above (Owner Occupier, P&I)
3.69%
4.08%
$0
$349 p.a.
90%
Package your loan with other AMP products and save on rates and fees.
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State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier, IO)
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier, IO)
3.93%
3.94%
$0
$0 p.a.
80%
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.
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ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
3.89%
3.91%
$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.
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CUA Fixed Rate Home Loan - 3 Year Fixed (Investor, P&I)
CUA Fixed Rate Home Loan - 3 Year Fixed (Investor, P&I)
3.99%
5.35%
$600
$0 p.a.
90%
Competitive rates for fixed for 3 years with redraw facility.
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Macquarie Bank Basic Home Loan - LVR up to 70% (Investor, P&I)
Macquarie Bank Basic Home Loan - LVR up to 70% (Investor, P&I)
3.99%
3.99%
$0
$0 p.a.
70%
Investors with a 30% deposit can get this low rate loan to fund their property portfolio.
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loans.com.au - 2 Year Fixed (Owner Occupier, P&I)
loans.com.au - 2 Year Fixed (Owner Occupier, P&I)
3.89%
3.94%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
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State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Investor, P&I)
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Investor, P&I)
4.13%
4.14%
$0
$0 p.a.
90%
Access a fee-free offset account and a special interest rate for investors.
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ClickLoans The Online Investor Home Loan - LVR <80%
ClickLoans The Online Investor Home Loan - LVR <80%
4.18%
4.18%
$0
$0 p.a.
80%
Investors get a 100% offset account and pay no application or ongoing fees on this loan from an innovative online lender.
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Greater Bank Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only
Greater Bank Great Rate Home Loan - Discounted Variable ($150K+ Owner Occupier) New Loans only
3.72%
3.72%
$0
$0 p.a.
90%
New customers can get a discounted variable rate and a fee-free redraw facility. NSW, QLD and ACT residents only.
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Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Years Fixed (Owner Occupier, P&I)
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Years Fixed (Owner Occupier, P&I)
3.94%
4.95%
$595
$0 p.a.
95%
Borrow up to 95% LVR of the value of the property you're buying and pay no application or ongoing fees.
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UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
3.74%
4.01%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
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ClickLoans The Online Home Loan - LVR <70%
ClickLoans The Online Home Loan - LVR <70%
3.70%
3.70%
$0
$0 p.a.
70%
Get a discount for keeping your LVR at $70 or below with this innovative online lender.
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ME Flexible Home Loan Fixed - 2 Year Fixed Rate (Owner Occupier, P&I)
ME Flexible Home Loan Fixed - 2 Year Fixed Rate (Owner Occupier, P&I)
3.99%
4.86%
$0
$0 p.a.
80%
Access a fee-free 100% offset account and pay no application or ongoing fees.
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UBank UHomeLoan - 1 Year Fixed Rate (Investor, P&I)
UBank UHomeLoan - 1 Year Fixed Rate (Investor, P&I)
3.99%
4.62%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
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Greater Bank Ultimate Home Loan - Discounted 2 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Greater Bank Ultimate Home Loan - Discounted 2 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
3.69%
4.54%
$0
$395 p.a.
90%
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.
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UBank UHomeLoan Variable Rate -Discount Offer for Investor Variable P&I Rate
UBank UHomeLoan Variable Rate -Discount Offer for Investor Variable P&I Rate
3.99%
3.99%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
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Yellow Brick Road Empower Home Loan - 3 Years Fixed LVR up to 95% (Owner Occupier P&I)
Yellow Brick Road Empower Home Loan - 3 Years Fixed LVR up to 95% (Owner Occupier P&I)
4.29%
4.26%
$0
$0 p.a.
95%
A competitive 3-year fixed rate loan with a high max insured LVR.
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WRITTEN BY

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Posted: 13 January 2017

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