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Home loan comparison

Home loan rates are rising, but you can still find rates as low as 2.57%. A simple comparison could save you thousands. Doing it yourself means you can cut out the broker - and it only takes 10 minutes.

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!

Compare home loan rates for July 2022

$
years
Name Product Comparison Rate Fees Monthly Payment

Ubank Neat Variable Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.64%
2.65%
  • Application: $0
  • Ongoing: $0 p.a.
$605
Get flexibility and the option to make unlimited extra repayments with this variable rate loan.

Unloan Variable Home Loan
Principal & interestOwner-occupier20% min. deposit Refinancers only

Principal & interestOwner-occupier20% min. deposit Refinancers only
Interest Rate
2.64%
2.56%
  • Application: $0
  • Ongoing: $0 p.a.
$605
A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.

Nano Variable Home Loans
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.74%
2.74%
  • Application: $0
  • Ongoing: $0 p.a.
$613
Competitive rate with zero fees, fast approval and a 100% free offset account. Available for refinancers and existing buyers purchasing their next home. 20% deposit required.

loans.com.au Smart Booster Discount Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.60%
2.96%
  • Application: $0
  • Ongoing: $0 p.a.
$602
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.

Macquarie Bank Basic Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.84%
2.84%
  • Application: $0
  • Ongoing: $0 p.a.
$621
This flexible variable rate loan requires a 40% deposit or equity. Get fast online approval and $0 application fee and $0 ongoing fees.

IMB Budget Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.84%
2.85%
  • Application: $449
  • Ongoing: $0 p.a.
$621
A low-rate, no-frills home loan for borrowers with a good deposit and unrestricted repayments. $0 application fee for eligible borrowers with principal-and-interest repayments and deposits of at least 20%.

HSBC Home Value Loan
Principal & interestOwner-occupier30% min. deposit

Principal & interestOwner-occupier30% min. deposit
Interest Rate
2.77%
2.78%
  • Application: $0
  • Ongoing: $0 p.a.
$616
$3,288 refinance cashback offer
This competitive variable rate loan is available for borrowers with 30% deposits. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

Ubank Neat Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.84%
2.86%
  • Application: $0
  • Ongoing: $0 p.a.
$621
A competitive variable rate loan that comes with a 100% offset account. 20% deposit required.

Yard Variable Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.64%
2.66%
  • Application: $0
  • Ongoing: $0 p.a.
$605
Get a low variable rate loan with this online lender. 100% offset account. Requires a 40% deposit.

Speak to a broker about your options

Consultant

Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
Principal & interestOwner-occupier-10% min. deposit

Principal & interestOwner-occupier-10% min. deposit
Interest Rate
2.79%
2.80%
  • Application: $0
  • Ongoing: $0 p.a.
$617
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.

OneTwo Variable Rate Home Loan
Principal & interestOwner-occupier20% min. deposit Refi Only

Principal & interestOwner-occupier20% min. deposit Refi Only
Interest Rate
2.59%
2.49%
  • Application: $0
  • Ongoing: $0 per month
$601
$5,000 refinance cashback.
A variable rate loan for owner-occupier refinancers living in NSW, VIC, QLD or SA metro and inner regional areas. Get an extra 0.15% off your rate as you repay the loan and get up to $2,500 in bonus payments. Terms and conditions apply.

Athena Variable Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.64%
2.64%
  • Application: $0
  • Ongoing: $0 p.a.
$605
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.

Tic:Toc Live in Loan Variable Rate
Principal & interestOwner-occupier10% min. deposit

Principal & interestOwner-occupier10% min. deposit
Interest Rate
2.59%
2.60%
  • Application: $0
  • Ongoing: $0 p.a.
$601
A competitive variable rate product with no application or valuation fees offered by a 100% online lender.

Unloan Variable Home Loan
Principal & interestInvestment20% min. deposit Refinancers only

Principal & interestInvestment20% min. deposit Refinancers only
Interest Rate
2.94%
2.86%
  • Application: $0
  • Ongoing: $0 p.a.
$629
Investors can get a low variable rate. Apply online and get fast approval. Backed by the Commonwealth Bank.

homeloans.com.au Low Rate Home Loan with Offset
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.64%
2.64%
  • Application: $0
  • Ongoing: $0 p.a.
$605
A competitive rate with no application or ongoing fees. This loan is not available for construction.

G&C Mutual Bank Momentum Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.74%
2.76%
  • Application: $0
  • Ongoing: $0 p.a.
$613
A variable rate loan for owner-occupiers looking to refinance. This loan has low fees and a 100% offset account.

Well Money Balanced Variable
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.60%
2.63%
  • Application: $250
  • Ongoing: $0 p.a.
$602
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee.

Newcastle Permanent Building Society Real Deal Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.87%
2.91%
  • Application: $595
  • Ongoing: $0 p.a.
$624
This variable rate loan requires a 20% deposit and has an offset account.

Nano Variable Home Loans
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
Interest Rate
3.04%
3.04%
  • Application: $0
  • Ongoing: $0 p.a.
$637
Investors can get this no-fee variable rate loan. You will need a 20% deposit. Fast online approval. Available for refinancers and existing buyers purchasing their next property.

Yard Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.74%
2.76%
  • Application: $0
  • Ongoing: $0 p.a.
$613
A competitive variable rate loan for home buyers with an optional offset account ($120 annual fee). 20% deposit required.
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