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Compare today's home loan rates

$
years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

UBank UHomeLoan Fixed P&IHome 1Y Fixed≥ 20% Deposit

UBank UHomeLoan Fixed
1.79%
2.18%
  • App: $0
  • Ongoing: $0 p.a.
$540
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.

HSBC Fixed Rate Home Loan Package P&IHome 2Y Fixed≥ 20% Deposit

HSBC Fixed Rate Home Loan Package
1.88%
2.65%
  • App: $0
  • Ongoing: $390 p.a.
$547
$3,288 refinance cashback offer
Lock in a low fixed rate for 2 years and buy your home with a 20% deposit.Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

homeloans.com.au Low Rate Home Loan with Offset P&IHome≥ 40% Deposit

homeloans.com.au Low Rate Home Loan with Offset
1.89%
1.89%
  • App: $0
  • Ongoing: $0 p.a.
$548
A competitive rate with no application or ongoing fees. This loan is not available for construction.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
1.85%
2.21%
  • App: $0
  • Ongoing: $0 p.a.
$545
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.

St.George Basic Variable Rate Home Loan P&IHome≥ 20% Deposit

St.George Basic Variable Rate Home Loan
2.19%
2.21%
  • App: $0
  • Ongoing: $0 p.a.
$570
$3,000 refinance cashback
Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Apply by 28 February 2022. Terms and conditions apply). Refinancers Only.

Suncorp Back to Basics Home Loan P&IHome≥ 30% Deposit

Suncorp Back to Basics Home Loan
1.99%
2%
  • App: $0
  • Ongoing: $0 p.a.
$555
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.

IMB Fixed Rate Home Loan P&IHome 2Y Fixed≥ 20% Deposit

IMB Fixed Rate Home Loan
2.07%
2.90%
  • App: $449
  • Ongoing: $6 per month
$561
A 2 years fixed with the competitive features.

HSBC Home Value Loan P&IHome≥ 30% Deposit

HSBC Home Value Loan
1.97%
1.98%
  • App: $0
  • Ongoing: $0 p.a.
$554
$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.

Nano Variable Home Loans P&IHome≥ 25% Deposit Refi Only

Nano Variable Home Loans
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$555
Switch to this competitive variable rate with zero fees. Requires a 25% deposit.

Well Home Loans Equity Plus P&IHome≥ 40% Deposit

Well Home Loans Equity Plus
1.82%
1.85%
  • App: $250
  • Ongoing: $0 p.a.
$543
Borrowers with 40% deposits or equity can get this low variable rate loan. 100% offset account included.

Greater Bank Great Rate Fixed Home Loan P&IHome 1Y Fixed≥ -10% Deposit

Greater Bank Great Rate Fixed Home Loan
1.59%
2.15%
  • App: $0
  • Ongoing: $0 p.a.
$526
Get one of the lowest rates on the market with this fixed rate mortgage. NSW, QLD and ACT residents only.

Athena Variable Home Loan P&IHome≥ 40% Deposit

Athena Variable Home  Loan
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$555
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.

OneTwo Finance Rate Reducing Variable P&IHome≥ 20% Deposit Refi Only

OneTwo Finance Rate Reducing Variable
1.99%
1.89%
  • App: $0
  • Ongoing: $0 per month
$555
A low variable rate loan for owner-occupier refinancers living in metro NSW/VIC. Get rate discounts as you repay the loan.

Macquarie Bank Basic Home Loan P&IHome≥ 40% Deposit

Macquarie Bank Basic Home Loan
2.14%
2.14%
  • App: $0
  • Ongoing: $0 p.a.
$567
Apply for the Macquarie Bank Basic Home Loan - LVR ≤ 60% (Owner Occupier, P&I) and get a low variable interest rate, plus no application and ongoing fees. Requires a 40% deposit.

Great Southern Bank Basic Variable P&IHome≥ 20% Deposit

Great Southern Bank Basic Variable
2.19%
2.24%
  • App: $0
  • Ongoing: $0 p.a.
$570
A basic variable rate loan with minimal fees and a redraw facility. $3,000 cashback for eligible refinancers. Other terms and conditions apply.

86 400 Own Home Loan Fixed P&IHome 1Y Fixed≥ 20% Deposit

86 400 Own Home Loan Fixed
1.94%
2.55%
  • App: $250
  • Ongoing: $250 p.a.
$552
Fix to this very competitive rate for one year. This loan requires a 20% deposit.

Beyond Bank Total Home Loan Package P&IHome 2Y Fixed≥ 40% Deposit

Beyond Bank Total Home Loan Package
1.79%
3.73%
  • App: $0
  • Ongoing: $395 p.a.
$540
Lock in a very low rate for two years and get package benefits. Requires a 40% deposit.

Virgin Money Reward Me Fixed Rate Home Loan P&IHome 2Y Fixed≥ 20% Deposit Min. $300k

Virgin Money Reward Me Fixed Rate Home Loan
1.98%
2.66%
  • App: $300
  • Ongoing: $10 per month
$555
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 31 January 2022 and settle by 29 April 2022.

Bluestone Prime Home Loan P&IHome≥ 30% Deposit

Bluestone Prime Home Loan
2.23%
2.25%
  • App: $0
  • Ongoing: $0 p.a.
$573
Bluestone's Prime is a competitive variable rate home loan for borrowers with 30% deposits.

Newcastle Permanent Building Society Premium Plus Package Fixed Rate P&IHome 3Y Fixed≥ 20% Deposit

Newcastle Permanent Building Society  Premium Plus Package Fixed Rate
2.59%
3.71%
  • App: $0
  • Ongoing: $395 p.a.
$601
$2,000 refinance cashback
Lock in this competitive rate for 3 years. $2,000 cashback for eligible refinancers borrowing $250,000 or more with an LVR up to 80%. Terms and conditions apply.
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PROPERTY NEWS

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CommBank’s big rate call

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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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