|
|
|
|
2.99%
|
3.01%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
|
2.84%
|
2.84%
|
$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.
|
|
|
|
|
|
|
|
2.79%
|
4.04%
|
$0
|
$395 p.a.
|
90%
|
|
Get one of the lowest fixed mortgage rates on the market plus a 100% offset account. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
|
2.88%
|
2.90%
|
$0
|
$0 p.a.
|
80%
|
|
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
|
|
|
|
|
|
|
|
2.99%
|
3.01%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Online cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
|
2.74%
|
2.77%
|
$0
|
$0 p.a.
|
80%
|
|
A low rate variable mortgage with minimal fees and redraw facility. Requires a 20% deposit. For every complete application Homestar will donate $250 to select charities to help bushfire victims.
|
|
|
|
|
|
|
|
2.97%
|
3.75%
|
$0
|
$0 p.a.
|
90%
|
|
A discounted 2 years fixed rate for home buyers. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
|
2.99%
|
3.01%
|
$500 (waived for loans above $150,000)
|
$0 p.a.
|
80%
|
|
Online only cashback offer: Refinancers borrowing $200,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.
|
|
|
|
|
|
|
|
3.19%
|
3.23%
|
$595
|
$0 p.a.
|
90%
|
|
$2,500 cashback for first home buyers (owner occupier loans with P&I repayments, borrowing $250K or more).
|
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
|
3.59%
|
3.79%
|
$599
|
$10 monthly ($120 p.a.)
|
80%
|
|
This is a competitive, flexible variable rate suitable for borrowers with a good credit history. Borrow up to 80%.
|
|
|
|
|
|
|
|
2.95%
|
2.99%
|
$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.
|
|
|
|
|
|
|
|
3.33%
|
3.34%
|
$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.
|
|
|
|
|
|
|
|
3.01%
|
3.04%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive, flexible variable rate mortgage for home buyers borrowing above $500,000.
|
|
|
|
|
|
|
|
3.17%
|
4.36%
|
$0
|
$395 p.a.
|
80%
|
|
Investors can lock in their rate for two years and pay no upfront fees.
|
|
|
|
|
|
|
|
2.97%
|
3.68%
|
$0
|
$0 p.a.
|
90%
|
|
Discounted 3 years fixed rate with no ongoing fees and a redraw facility. Guarantor option available. NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
|
3.19%
|
3.21%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable investor rate for borrowers with 20% deposits. Low fees, redraw facilities and repayment flexibility.
|
|
|
|
|
|
|
|
2.69%
|
3.19%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
|
|
|
|
|
|
|
|
3.24%
|
4.14%
|
$600
|
$395 p.a.
|
95%
|
|
A package loan that offers discounts and a 100% offset account.
|
|
|
|
|
|
|
|
3.24%
|
3.24%
|
$0
|
$0 p.a.
|
80%
|
|
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
|
|
|
|
|
|
|
|
3.29%
|
3.32%
|
$0
|
$0 p.a.
|
80%
|
|
Investors with 20% deposits can get this flexible variable mortgage with low fees and a reasonable rate.
|
|
|
|
|
|
|
|
3.09%
|
3.94%
|
$600
|
$0 p.a.
|
95%
|
|
This fixed rate loan offers a 100% offset account and the flexibility to make extra repayments.
|
|
|
|
|
|
|
|
2.74%
|
3.38%
|
$395
|
$0 p.a.
|
80%
|
|
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
|
|
|
|
|
|
|
|
3.19%
|
3.59%
|
$0
|
$395 p.a.
|
90%
|
|
New borrowers or refinancers can get a discounted rate with this package loan. $2,500 cashback for first home buyers (owner occupier loans with P&I repayments, borrowing $250K or more).
|
|
|
|
|
|
|
|
3.54%
|
4.44%
|
$600
|
$395 p.a.
|
95%
|
|
A package loan that offers discounts and a 100% offset account.
|
|
|
|
|
|
|
|
3.59%
|
3.37%
|
$375
|
$15 monthly ($180 p.a.)
|
80%
|
|
Home buyers with a 20% deposit can get this low interest-only rate. It also comes with a 100% offset account.
|
|
|
|
|
|
|
|
2.84%
|
3.59%
|
$395
|
$0 p.a.
|
80%
|
|
Pay no ongoing fees on this investment loan fixed for 3 years.
|
|
|
|
|
|
|
|
4.84%
|
4.99%
|
$0
|
$395 p.a.
|
80%
|
|
Pay no application fee with 100% offset account with redraw facility and borrow up to 95% LVR.
|
|
|
|
Once you've finished your home loan comparison you will need to apply for the loan. But remember that the mortgage is just one part of a bigger home buying process:
I am an Australian citizen returning to Australia after several years abroad. I will be entering into employment with the Australian branch of my existing employer with a new employment contract (but without a probation period). Can you advise limits to home loan borrowing upon arrival. e.g. is their a qualifying period for work/residence in Australia for lenders?
Hi JDM,
Thanks for your question! All Australian citizens are eligible to apply for a home loan – this is one of the basic requirements. Others include, age, income and other unique requirements of the lender.
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.
A mortgage broker is the best person to reach out to see your options for home loans. They can give you a multitude of options according to your situation. In the meantime, to give you an estimate of your monthly repayments, you may use the calculator we have on this page.
Hope this helped. Feel free to reach back out for further assistance.
Cheers,
Nikki
What are the options for Self employed with one year financials?
Hello Mani,
Thank you for your comment.
If you’re self-employed and is interested in a home loan, you can check low documentation (low-doc) loan which is designed to cater applicants who are working for themselves. Please note that different lenders have different application requirements, so it’s best to check your eligibility and ensure meeting the requirements before submitting an application.
You may check our Low doc home loan guide and see the tips on how to compare such loans. After comparing the products in our panel, you can click the Go to Site button or the Enquire Now button and discuss with the lender your eligibility.
You’ll be best to seek advise from a mortgage broker and discuss options based on your needs.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
hi,
i was looking at the home loans
it states owner occupier
as i am a foreign investor, what types of loans should I look at
does it mean that we have to pay a higher interest?
thanks
Hi Kevin,
Thanks for your inquiry.
Yes, Last night’s Federal Budget contained measures aimed at easing housing affordability pressures and curbing foreign investment. New taxes on foreign investors are set to add more than $600 million to the budget over the next four years. Please check the guide on how budget 2017 will affect you.
You may also find these links useful.
https://www.finder.com.au/foreign-property-investors-hit-hard-in-budget
https://www.finder.com.au/new-foreign-investor-tax-could-drive-up-house-prices
thanks
Hope this information helped.
Cheers,
Arnold
I am looking to buy addition investment and PPR. I am looking for comparative interest rates.
Can you please assist?
Thank you
Suzie
Hi Suzie,
Thanks for your question.
You may refer to this page to compare investment property home loans.
For owner-occupier, you may check this page.
On both pages, we have a home loan calculator on top of the comparison table that you can take advantage of to see which lender offers low monthly payment.
Alternatively, you may also get in touch with a mortgage broker to assist you in finding a suitable home loan option.
Cheers,
Anndy
Hi,
I am 65 and my wife is 51. We both have full time jobs.
We are hoping to purchase our first ever unit instead of paying rent as we do now. Would our ages be against us if we applied for a $700,000 loan? How much deposit would we need?
Thank you
Hi Terry,
Thanks for your question.
Please note that we are a financial comparison and information website. We can’t give advice on your specific situation.
In Australia, there are anti-discrimination legislations that prevent lenders from discriminating borrowers based on age. You can find more details about maximum age limit for home loan borrowers on this page.
Lenders would also like to make sure that you meet the general lending criteria and that you can comfortably afford to repay the loan without having financial difficulties. This is why the older you are, the more it might be difficult for you get a mortgage approval.
Also, the deposit that you need depends on the type of loan that you are getting.
For your home loan options, you may want to get in touch with mortgage broker and discuss your circumstances and borrowing needs.
Cheers,
Anndy
I run my own business and need a low doc loan
Thanks Trevor
Hi Trevor,
Thanks for getting in touch.
If you are looking for a low doc home loan, you can compare your options here.
You may also want to get in touch with a mortgage broker who will consider your personal situation in finding a range of home loan options.
Cheers,
Anndy
I am an aged pensioner and have my own property with a double garage and wish to improve it to liveable state.and need aloan to do so It is in a small country community which is going ahead. What are the chances of finance?
Hi Brian,
Thanks for the question, finder.com.au are a comparison website and we can only offer you general advice.
Your chance of receiving a loan will depend on a range of factors, including your income, assets and debts. One option might be to contact a mortgage broker and see what lenders or loans they suggest might result in your application being approved.
I hope this helps,
Marc.
Iam living in a town house and have rented my two rooms privately and getting rent of $200 weekly from each room. Can I include this income as a genuine savings, If yes, how to prove this.
Hi Binod,
Thanks for the question, finder.com.au are a comparison website and we can only offer you general advice..
The definition of ‘Genuine Savings’ changes depending on the lender, but the below is what the Commonwealth Bank define as genuine savings:
– A savings pattern established over at least 3 months
– Term Deposit held for at least 3 months
– Shares held for at least 3 months
– Gifts held in your account for at least 3 months
– Cash held in your account for at least 3 months
– Equity in an existing property
– Inheritance money held in your account for at least 3 months
If your rental income fits into one of the above categories than for this lender it would be counted as genuine savings. I would recommend contacting a lender you’re interested in applying with and seeing what their policy is regarding rental incomes.
I hope this helps,
Marc.
Hi. This website is great for comparing home loans but they are mostly not with the major banks.
Could you tell me if there is a website that deals mainly with the anz, nab, commonwealth etc similar to this one.
Thanks
Hi Lena,
Thanks for the feedback.
finder.com.au is an online comparison and general information service and in fact, we do compare a wide range of products offered by many reputable Australian lenders including the ‘Big 4’ and specifically ANZ, NAB and the Commonwealth Bank, as you’ve mentioned.
You might be interested to compare competitive products by these lenders using the hyperlinks provided above.
Thanks,
Belinda
Do I put money in my super or pay my loan ?
When I sixty I can get some money out of my super and put it in my mortgage good idea or not ?
Hi Amy,
Thanks for your enquiry.
finder.com.au is an online comparison website so we cannot offer financial advice regarding your superannuation.
It would be best that you speak directly with your super fund provider regarding the process of accessing your superannuation.
Thanks,
Belinda