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Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
Interest Rate
5.24%
Comparison Rate
5.15%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupier
Monthly Payment
$829
per month
This loan comes with no application fee, no ongoing fees and no exit fees. The best news? Borrowers get a 0.01% rate discount for every year they hold the loan.
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Interest Rate
5.39%
Comparison Rate
5.52%
Fees
  • Application: $0
  • Ongoing: $120 p.a.
Principal & Interest20% min. equityOwner-occupierOffset account
Monthly Payment
$843
per month
$2,000 cashback
Eligible refinancers and purchasers can get $2k cashback when they settle new loans minimum $400k. Refinances must have 80% LVR maximum, apply by 31 March 2026 and settle within 120 days. Purchases must have less than 80% LVR. T&Cs apply
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Interest Rate
5.34%
Comparison Rate
5.64%
Fees
  • Application: $0
  • Ongoing: $295 p.a.
Principal & Interest40% min. equityOwner-occupierOffset account
Monthly Payment
$838
per month
Earn up to 24k points per year
Earn 2,000 Virgin Money Reward points per borrower for every monthly repayment made on time, plus 2,000 points at settlement for every $10,000 you borrow, split between multiple borrowers. Rewards terms and conditions apply.
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P&N Bank logo
P&N Bank Fixed Home Loan
Interest Rate
4.75%
Comparison Rate
5.42%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed20% min. equityOwner-occupier
Monthly Payment
$784
per month
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BOQ logo
Bank of Queensland Fixed Discount Rate Home Loan
Interest Rate
4.89%
Comparison Rate
5.42%
Fees
  • Application: $0
  • Ongoing: $120 p.a.
Principal & Interest 2Y Fixed20% min. equityOwner-occupier
Monthly Payment
$797
per month
$2,000 cashback
Eligible refinancers and purchasers can get $2k cashback when they settle new loans minimum $400k. Refinances must have 80% LVR maximum, apply by 31 March 2026 and settle within 120 days. Purchases must have less than 80% LVR. T&Cs apply
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Up Home Loan logo
Up Home Loan Fixed Rate
Interest Rate
4.95%
Comparison Rate
5.15%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed10% min. equityOwner-occupierOffset account
Monthly Payment
$802
per month
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Up Home Loan logo
Up Home Loan Fixed Rate
Interest Rate
4.95%
Comparison Rate
5.18%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 1Y Fixed10% min. equityOwner-occupierOffset account
Monthly Payment
$802
per month
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IMB logo
IMB Fixed Rate Home Loan
Interest Rate
4.99%
Comparison Rate
5.47%
Fees
  • Application: $449
  • Ongoing: $72 p.a.
Principal & Interest 2Y Fixed5% min. equityOwner-occupier
Monthly Payment
$806
per month
Up to $4K cashback
Eligible borrowers can get up to $4,000 cashback when buying or refinancing with IMB. Loan value criteria applies. Other terms and conditions also apply.
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Macquarie Bank logo
Macquarie Bank Basic Fixed Home Loan
Interest Rate
4.99%
Comparison Rate
5.30%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed30% min. equityOwner-occupier
Monthly Payment
$806
per month
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Macquarie Bank logo
Macquarie Bank Offset Home Loan Package Fixed Loan
Interest Rate
5.09%
Comparison Rate
5.53%
Fees
  • Application: $0
  • Ongoing: $248 p.a.
Principal & Interest 3Y Fixed30% min. equityOwner-occupier
Monthly Payment
$815
per month
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Macquarie Bank logo
Macquarie Bank Basic Fixed Home Loan
Interest Rate
5.09%
Comparison Rate
5.30%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 3Y Fixed30% min. equityOwner-occupier
Monthly Payment
$815
per month
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Greater Bank logo
Greater Bank Great Rate Discount Variable Home Loan
Interest Rate
5.19%
Comparison Rate
5.20%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest-10% min. equityOwner-occupierNSW, QLD & ACT only
Monthly Payment
$824
per month
Up to $3,000 cashback
Eligible borrowers applying online can get up to $3k cashback. Other eligible refinancers and FHBs can get up to $2,500. LVR and loan value criteria and full T&Cs apply. First Home Buyers can use a family pledge option to borrow up to 110% with a guarantor.
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Up Home Loan logo
Up Home Loan Variable Rate
Interest Rate
5.20%
Comparison Rate
5.20%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest10% min. equityOwner-occupierOffset account
Monthly Payment
$825
per month
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Ubank logo
Ubank Flex Fixed Home Loan
Interest Rate
5.23%
Comparison Rate
5.65%
Fees
  • Application: $250
  • Ongoing: $250 p.a.
Principal & Interest 2Y Fixed20% min. equityOwner-occupier
Monthly Payment
$828
per month
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Newcastle Permanent logo
Newcastle Permanent Real Deal Home Loan
Interest Rate
5.24%
Comparison Rate
5.28%
Fees
  • Application: $595
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupier
Monthly Payment
$829
per month
$3,000 cashback offer
Eligible purchasers and refinancers can get $2,000 or $3,000 depending on loan value, as long as LVR is 80% or lower. Terms and conditions apply.
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loans.com.au logo
loans.com.au Solar Home Loan
Interest Rate
5.24%
Comparison Rate
5.70%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest10% min. equityOwner-occupierOffset account
Monthly Payment
$829
per month
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Community First Bank logo
Community First Bank Go Basic Variable Rate Home Loan
Interest Rate
5.24%
Comparison Rate
5.29%
Fees
  • Application: $600
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupier
Monthly Payment
$829
per month
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Unloan logo
Unloan Variable Home Loan
Finder Award
Interest Rate
5.24%
Comparison Rate
5.15%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupier
Monthly Payment
$829
per month
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Ubank logo
Ubank Flex Fixed Home Loan
Interest Rate
5.28%
Comparison Rate
5.64%
Fees
  • Application: $250
  • Ongoing: $250 p.a.
Principal & Interest 3Y Fixed20% min. equityOwner-occupier
Monthly Payment
$833
per month
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IMB logo
IMB Budget Home Loan
Interest Rate
5.29%
Comparison Rate
5.32%
Fees
  • Application: $449
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupier
Monthly Payment
$833
per month
Up to $4K cashback
Eligible borrowers can get up to $4,000 cashback when buying or refinancing with IMB. Loan value criteria applies. Other terms and conditions also apply.
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Written by

Publisher

Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money. See full bio

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2 Responses

    Default Gravatar
    FrancesSeptember 11, 2017

    My husband 75 years and I 70 years. We are planning to sell the family home in 12 to 18 months. We have tried to access a reverse mortgage from CWB ( who we bank with ) and have been refused. We run a B&B from our family home and have done for 10 years. We have also gone security guarantor for our son and his wife (160,000) with Westpac. We own our home which has been valued by a valuer at $1.500.000. We have no debts and have never had a bad credit rating. Could you please advise us where to apply and if you think we have any chance of accessing around $30,000. Thank you.

      Default Gravatar
      JonathanSeptember 11, 2017

      Hello Frances,

      Thank you for your inquiry.

      May I confirm if both of you are pensioners? If you are, we have a full guide written for pensioners who are seeking home loans. On that page, we have listed some tips on how to apply for a home loan, the types of home loans you may qualify for, and the advantages and disadvantages of pensioner home loans. Should you identify that reverse mortgage suits you, we have a list of lenders that you may consider.

      Both pages have a comparison table you can use to find the right lender for you. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance.

      Take note that you need to review their requirements and loan terms before proceeding.

      Alternatively, you may consult a mortgage broker for a personalized advice based on your needs.

      Hope this helps.

      Cheers,
      Jonathan

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