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1 - 20 of 408
Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.51%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
9.1
Interest Rate
5.99%
Comparison Rate
6.51%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
Go to site
Unloan logo
Principal & Interest20% min. depositOwner-occupierRefinance Only
Unloan logo
Principal & Interest20% min. depositOwner-occupierRefinance Only
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.5.90%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
9.1
Interest Rate
5.99%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
Go to site
Macquarie Bank logo
Principal & Interest30% min. depositOwner-occupierOffset account
Macquarie Bank logo
Principal & Interest30% min. depositOwner-occupierOffset account
Go to site
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.39%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.9
Interest Rate
6.14%
Comparison Rate
6.39%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$3,046
Go to site
HomeStar Finance logo
Principal & Interest30% min. depositOwner-occupierOffset account
HomeStar Finance logo
Principal & Interest30% min. depositOwner-occupierOffset account
Go to site
Product NameHomestar Star Classic Variable Rate Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.5.99%
Minimum Loan Amount$150,000
Maximum Loan Amount $2,000,000
Maximum Loan Term
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
9.1
Interest Rate
5.99%
Comparison Rate
5.99%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
Go to site
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Go to site
Product NameNewcastle Permanent Real Deal Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.6.13%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
8.9
Interest Rate
6.09%
Comparison Rate
6.13%
Fees
Application: $595
Ongoing: $0 p.a.
Monthly Payment
$3,030
Go to siteMore Info
IMB logo
Principal & Interest30% min. depositOwner-occupier
IMB logo
Principal & Interest30% min. depositOwner-occupier
Go to site
Product NameIMB Budget Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.07%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
8.6
Interest Rate
6.04%
Comparison Rate
6.07%
Fees
Application: $449
Ongoing: $0 p.a.
Monthly Payment
$3,014
Go to site
$2000-$4000 cashback
Eligible refinancers can get up to $4,000 cashback when switching their loan to IMB. Loan value criteria applies. Other terms and conditions also apply.
Bendigo Bank logo
Principal & Interest10% min. depositOwner-occupierOffset account
Bendigo Bank logo
Principal & Interest10% min. depositOwner-occupierOffset account
Go to site
Product NameBendigo Bank Express Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.01%
Comp. Rate p.a.6.14%
Minimum Loan Amount$5,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
9.1
Interest Rate
6.01%
Comparison Rate
6.14%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$3,004
Go to siteMore Info
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Go to site
Product NameGreater Bank Great Rate Discount Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.05%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 110%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
8.7
Interest Rate
6.04%
Comparison Rate
6.05%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,014
Go to site
Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
IMB logo
Principal & Interest20% min. depositOwner-occupier
IMB logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameIMB Budget Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.17%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
8.5
Interest Rate
6.14%
Comparison Rate
6.17%
Fees
Application: $449
Ongoing: $0 p.a.
Monthly Payment
$3,046
Go to site
$2,000-$4,000 cashback
Eligible refinancers can get up to $4,000 cashback when switching their loan to IMB. Loan value criteria applies. Other terms and conditions also apply.
loans.com.au logo
Principal & Interest10% min. depositOwner-occupier
loans.com.au logo
Principal & Interest10% min. depositOwner-occupier
Go to site
Product Nameloans.com.au Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.06%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
8.6
Interest Rate
6.04%
Comparison Rate
6.06%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,014
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.35%
Comp. Rate p.a.6.26%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.9
Interest Rate
6.35%
Comparison Rate
6.26%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,115
Go to site
Unloan logo
Principal & Interest20% min. depositInvestmentRefinance Only
Unloan logo
Principal & Interest20% min. depositInvestmentRefinance Only
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.20%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
9.1
Interest Rate
6.29%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,095
Go to site
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupierOffset account
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupierOffset account
Go to site
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.44%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.8
Interest Rate
6.19%
Comparison Rate
6.44%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$3,063
Go to site
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.58%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
9.2
Interest Rate
6.19%
Comparison Rate
6.58%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,063
Go to site
Macquarie Bank logo
Principal & Interest40% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest40% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.16%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
8.4
Interest Rate
6.14%
Comparison Rate
6.16%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,046
Go to site
loans.com.au logo
Principal & Interest10% min. depositInvestment
loans.com.au logo
Principal & Interest10% min. depositInvestment
Go to site
Product Nameloans.com.au Variable Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.36%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
8.5
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,111
Go to site
Macquarie Bank logo
Principal & Interest20% min. depositInvestmentOffset account
Macquarie Bank logo
Principal & Interest20% min. depositInvestmentOffset account
Go to site
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.45%
Comp. Rate p.a.6.70%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.8
Interest Rate
6.45%
Comparison Rate
6.70%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$3,147
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.25%
Comp. Rate p.a.6.20%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8
Interest Rate
6.25%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,082
Go to site
Macquarie Bank logo
Principal & Interest20% min. depositInvestment
Macquarie Bank logo
Principal & Interest20% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.45%
Comp. Rate p.a.6.48%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
8.3
Interest Rate
6.45%
Comparison Rate
6.48%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,147
Go to site
Macquarie Bank logo
Principal & Interest40% min. depositInvestment
Macquarie Bank logo
Principal & Interest40% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.36%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
8.5
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,111
Go to site
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Showing 20 of 408 results

What is Finder Score?

Finder Score is an easy, data-driven way to judge home loans at a glance. Our insights team compares more than 7,000 home loans across 120+ lenders to give each product a score out of 10 comparative to other products of its type.

This means we compare products against others of its type. For example, variable rate home loans against variable rate home loans, and investor home loans against investor home loans. In total, there are 12 different product groupings.

  • Variable Rate Owner Occupier, Principal and Interest
  • Variable Rate Owner Occupier, Interest Only
  • Variable Rate Investor, Principal and Interest
  • Variable Rate Investor, Interest Only
  • Fixed Rate Owner Occupier, Principal and Interest, Short Term
  • Fixed Rate Owner Occupier,Principal and Interest, Long Term
  • Fixed Rate Investor, Principal and Interest, Short Term
  • Fixed Rate Investor, Principal and Interest, Long Term
  • Fixed Rate Owner Occupier, Interest Only, Short Term
  • Fixed Rate Owner Occupier, Interest Only, Long Term
  • Fixed Rate Investor, Interest Only, Short Term
  • Fixed Rate Investor, Interest Only, Long Term
  • We filter the loans in our database for each category so that we're only looking at loans that work for the borrower type. So, if we're picking the best loan for first home buyers, we'll only look at lenders that lend to first home buyers and have a maximum LVR of 90%.

    The final Finder Score takes into account the product's interest rate and its fees. The higher the score, the lower the cost compared to other products of its type.

    Meet our home loan experts

    Richard Whitten

    Money editor

    Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 6 years.
    Graham consumer expert

    Head of consumer research

    Graham Cooke heads up the insights team, overseeing Finder's data-driven research for the last 8 years. He regularly appears as an expert on TV and across other media.
    Rebecca Pike senior writer

    Senior writer, home loans

    Rebecca is a senior writer at Finder covering all things home loans. She has been writing about the home loan market in Australia for 5 years.

    What is a home loan?

    A home loan is the money you borrow to buy a property. You save a deposit first, which is usually 5-20% of the property's value and then you borrow the rest. This is your loan amount or your loan principal.

    Your lender charges you interest based on the loan principal amount and your home loan's interest rate. The higher the home loan interest rate, the higher your repayments will be.

    How do I compare home loan interest rates?

    A good home loan comparison starts with a careful look at interest rates. The lower the rate, the lower your repayments will be.

    Let's compare 2 otherwise identical home loans with slightly different interest rates.*

    Interest rate7.48%5.69%
    Loan amount$625,050$625,050
    Loan term30 years30 years
    Monthly repayment$4,362$3,624
    Monthly savingN/A$738
    Annual savingN/A$8,856

    As you can see, with the lower interest rate, you save $738 a month – or $8,856 a year.

    *We're using the average owner-occupier home loan size from the ABS, the average variable rate loan in Finder's database of the full market and the lowest variable rate.

    Finder's lowest monthly home loan rate tracker

    Home loan comparison is hard if you have no clue what a low rate looks like. That's why we analyse all the loans in our database to find the most competitive rates each month.

    The graph below shows the market's lowest* fixed and variable rates for home buyers and investors.

    *Rates must have LVRs of 80% or higher and exclude unique or unusual loan products that aren't suitable for most borrowers.

    Learn more about finding a cheap home loan

    How do I compare mortgage fees and features?

    Looking beyond the interest rate, you need to compare home loan fees and features too.

    dollar iconCompare the fees

    Examples of home loan fees include the following:

    • Application fees. This one-off fee can run as high as $600.
    • Ongoing fees. Some loans come with a monthly or annual fee, usually worth around $120 a year or $10 a month. Package loans have an annual fee of up to $500.
    • Valuation fees. This covers your lender's cost to have your property professionally valued. It can cost several hundred dollars.
    • Discharge fees. A discharge fee is only charged when you end a home loan, either by refinancing or paying off the loan.

    Gift card iconConsider the features

    The following are the most common and useful home loan features:

    • Offset account. A 100% offset account is a bank account that is attached to your home loan. The bank account lets you save and spend money like a normal bank account, but any dollar saved in the account offsets your loan amount, meaning you are charged less interest. An offset is not available with every loan, such as fixed rate and basic loans. Many offset loans attract a monthly or annual fee.
    • Extra repayments. If your loan allows you to make extra repayments, you can pay it off faster. This will save you in interest charges. These days, most variable rate loans allow extra repayments, although some fixed rate loans don't.
    • Redraw facility. A redraw facility is common on home loans that allow extra repayments. A redraw allows you to withdraw extra repayments from your loan and spend them if you need to. Some lenders charge a redraw fee or restrict how much money you can access.
    • Split facility. Some loans allow you to split your mortgage into both fixed and variable portions. This lets you create a flexible loan that offers the benefits of both a fixed and variable rate.

    Reward point iconLook at a loan's comparison rate

    The comparison rate is designed to help borrowers understand the true cost of a loan by adding in fee costs over time. But it's only a hypothetical calculation based on a specific loan amount and term. It's not that useful because every borrower's situation is unique.

    You're better off working out how much your loan will cost you every month and factoring in the cost of fees on top of that.

    Your interest rate update

    On 18 June the official cash rate was held at:

    4.35%

    The lowest variable owner-occupier rate on the market is:

    5.69%

    Assuming the average owner occupier home loan size of $625,050 you would be making monthly repayments of:

    $3,624

    Our Home Loan Awards

    Finder's home loans awards celebrate stand-out home loan products across 12 different categories. Our experts analysed 12 months' worth of interest rate and fee data to find the best solutions for any borrower type. Our team of experts reviewed over 3,000 home loan products from across 200+ lenders to select our Finder Home Loans Awards winners for 2024.

    Why you can trust Finder's home loan experts

    freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees. Guaranteed.
    expert adviceYou save time. We spend 100s of hours researching home loans so you can sort the gold from the junk faster.
    independentYou compare more. Our comparison tools bring you cheaper, better home loans from across the market.

    More home loan questions answered

    The latest loans and property news

    The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our website, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.


    Richard Whitten's headshot
    John Pidgeon's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten and reviewed by John Pidgeon, a member of Finder's Editorial Review Board.
    Sarah Megginson's headshot
    Head of editorial

    As an authority on all things personal finance, Sarah Megginson is passionate about helping you save money and make money. She is an editor and money expert with 20 years’ experience and an extensive background in property and finance journalism. Sarah holds ASIC RG146-compliant Tier 1 Generic Knowledge certification, and she's a regular media commentator, appearing weekly on TV (Sunrise, Channel 7 news, Nine news), radio (KIIS FM, Triple M, 3AW, 2GB, 6PR) and in digital and print media. See full bio

    Sarah's expertise
    Sarah has written 185 Finder guides across topics including:
    • Home loans
    • Personal finance
    • Budgeting and money-saving tips
    • Managing the cost of living

    Read more on this topic

    Ask a question

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    10 Responses

      Default Gravatar
      SusanMarch 13, 2023

      I have a current mortgage with Bendigo Bank on fixed interest rate of 2.090% which expires in July.
      I want to know my options when it expires.
      Small mortgage which is due to be paid off in 2029.
      None of your options seem to include this issue.
      Can I speak with someone?

        AvatarFinder
        SarahMarch 13, 2023Finder

        Hi Susan,

        You have a couple of options. You could:
        – Stick with Bendigo Bank and either roll over onto a variable rate loan option in July, or choose another fixed rate home loan.
        – Refinance to a different bank, and choose either a fixed or variable rate.

        Your eligibility to refinance depends on a number of things, including your age, income and loan amount. As a first step, it might be worth contacting your bank so they can let you know what their current rates and offers are, so you have an idea of what your repayments will be from July onwards. You can then compare this to other options in the mortgage market to see if you can get a better deal elsewhere.

        Hope this helps!

      Default Gravatar
      ChrisApril 21, 2022

      Useless tool – no way to select weekly payments.

        AvatarFinder
        SarahMay 2, 2022Finder

        Hi Chris,

        We appreciate your feedback.

        Our tables contain quite a bit of information in them. In the interests of brevity, we currently allow you to compare home loans by monthly payments. If you’d like to know the estimated weekly payments, you can divide these estimates by 4.3. For instance, if the monthly estimate was $3,000, once you divide it by 4.3, the weekly amount would be $697.67.

        Hope this helps, and thanks again for the feedback – we’ll explore whether this functionality can be added.

        Many thanks
        Sarah

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      MichaelDecember 18, 2021

      I’d like speak to someone about refinancing a please?

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        RichardDecember 22, 2021Finder

        Hi Michael,

        If you already have a preferred lender, you can visit their website to submit an application and/or request to speak with their home finance representative.

        Alternatively, you can speak with a professional mortgage broker to get personalised advice. You can call one of the mortgage brokers found on our page to schedule an appointment or search for a mortgage broker in your area on Google.

        I hope this helps!
        Richard

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      JDMAugust 12, 2019

      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?

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        NikkiAugust 13, 2019

        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 can use our home loan eligibility calculator.

        Hope this helped. Feel free to reach back out for further assistance.

        Cheers,
        Nikki

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      ManiAugust 16, 2018

      What are the options for Self employed with one year financials?

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        JhezelynAugust 16, 2018Finder

        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 to 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.

        It’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 chatbox on the lower right corner of our page.

        Regards,
        Jhezelyn