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Rates last updated December 13th, 2018
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Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.59%
3.61%
$0
$0 p.a.
90%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
3.59%
3.59%
$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.
3.57%
3.58%
$0
$0 p.a.
80%
Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.
3.54%
3.58%
$0
$0 p.a.
80%
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.75%
3.75%
$0
$0 p.a.
70%
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.64%
3.66%
$0
$0 p.a.
80%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
3.64%
3.64%
$0
$0 p.a.
70%
A low interest rate home loan with no application or ongoing fees.
3.54%
3.57%
$0
$0 p.a.
80%
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
3.85%
3.85%
$0
$0 p.a.
80%
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
3.49%
3.53%
$250
$0 p.a.
80%
A very low variable interest rate for borrowers with a 20% deposit. Add a 100% offset account for $10 a month.
3.87%
3.91%
$600
$0 p.a.
95%
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
3.80%
4.05%
$0
$0 p.a.
70%
Earn tens of thousands of Qantas Points to spend on flights, hotels and more with this variable owner occupier mortgage. Competitive variable rate mortgage that requires a 30% deposit.
3.84%
3.85%
$0
$0 p.a.
90%
A flexible, basic mortgage for owner occupiers. Make extra repayments and take advantage of mortgage redraw facilities. Available with a 10% deposit.
3.88%
4.51%
$0
$395 p.a.
90%
Lock in a very competitive 2 year rate and get package discounts on your credit card and offset account. $1,500 cashback available (conditions apply).
3.68%
3.82%
$0
$10 monthly ($120 p.a.)
80%
Earn Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
3.59%
3.63%
$495
$0 p.a.
90%
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
3.74%
3.74%
$0
$0 p.a.
80%
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
3.87%
3.91%
$0
$10 monthly ($120 p.a.)
90%
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.69%
4.86%
$0
$395 p.a.
90%
Special discounted rate for first home buyers. Start your home buying journey with 2 years of fixed repayments at a competitive rate plus package discounts. Available with a 10% deposit.
3.75%
4.72%
$0
$299 p.a.
95%
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
3.68%
3.70%
$0
$0 p.a.
80%
A competitive variable rate mortgage for owner occupiers that comes with a no fee debit card with a $5,000 limit.
3.84%
3.85%
$0
$0 p.a.
70%
Keep your LVR at 70% or below and enjoy a special discounted rate. Also, pay no application or ongoing fees.
3.64%
3.78%
$0
$10 monthly ($120 p.a.)
80%
Earn Velocity Frequent Flyer Points on your mortgage (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
3.79%
3.79%
$0
$0 p.a.
80%
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
3.79%
3.82%
$0
$0 p.a.
80%
An essentials variable investor mortgage with a high borrowing amount so you can fund a large purchase.
3.74%
4.13%
$0
$349 p.a.
90%
Get a sharp rate plus package discounts and a 100% offset account.
3.62%
3.62%
$0
$0 p.a.
95%
A low deposit mortgage with a competitive rate and plenty of flexibility. QLD residents only. Eligible borrowers can get a 15% discount on home and contents insurance for the life of their loan.
3.79%
3.80%
$0
$0 p.a.
90%
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000. Plus $1,500 cashback offer for eligible refinancers.
3.69%
4.12%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.70%
3.70%
$0
$0 p.a.
70%
Get a discount for keeping your LVR at $70% or below with this innovative online lender.
3.59%
3.99%
$600
$395 p.a.
95%
Get interest rate discounts and waived fees on this package loan with a 100% offset account.
3.64%
3.64%
$0
$0 p.a.
70%
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
3.84%
3.84%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
3.64%
3.59%
$0
$0 p.a.
80%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
3.99%
3.92%
$0
$10 monthly ($120 p.a.)
90%
Enjoy a competitive fixed rate with no application fee. Earn Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
3.71%
3.71%
$0
$0 p.a.
70%
A variable rate home loan that has a lot of flexible features. This loan has a 100% offset account.
3.89%
4.27%
$0
$395 p.a.
80%
New borrowers or refinancers can get a discounted rate with this package loan.
3.59%
3.58%
$0
$0 p.a.
80%
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.
3.81%
3.81%
$0
$0 p.a.
80%
A home loan with a competitive rate and plenty of handy features. This product comes with a 100% offset account.
4.17%
4.21%
$600
$0 p.a.
95%
Variable rate home loan from one of the big 4 banks. Available with just a 5% deposit.
3.89%
3.91%
$0
$0 p.a.
80%
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.72%
3.74%
$0
$0 p.a.
80%
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
3.84%
3.82%
$0
$0 p.a.
80%
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
3.69%
4.08%
$0
$349 p.a.
90%
Package your loan with other AMP products and save on rates and fees.
3.69%
4.75%
$0
$395 p.a.
90%
Enjoy a competitive rate with no application fee for this package loan.
3.99%
4.13%
$0
$10 monthly ($120 p.a.)
80%
A competitive variable rate home loan with no application fee.
3.74%
3.74%
$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.
4.04%
4.07%
$0
$0 p.a.
90%
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.75%
4.00%
$0
$248 p.a.
70%
Borrowers with a 30% deposit can get this competitive rate. Cut down on interest costs with a 100% offset account.
3.97%
3.99%
$0
$0 p.a.
80%
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
3.99%
4.44%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.
3.70%
3.90%
$0
$0 p.a.
70%
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
3.89%
3.94%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
3.94%
3.94%
$0
$0 p.a.
70%
Investors with a 30% deposit can get this low rate loan to fund their property portfolio. Take advantage of split and redraw facilities.
3.91%
3.92%
$0
$0 p.a.
80%
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
3.74%
4.01%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
3.99%
3.92%
$0
$0 p.a.
80%
A variable interest-only loan for investors. Fast application, low fees, optional offset account. 100% online lender.
4.29%
4.31%
$0
$0 p.a.
80%
Investors will pay no application or ongoing fees for this interest-only loan.
3.74%
3.74%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
4.18%
4.18%
$0
$0 p.a.
80%
Investors get a 100% offset account and pay no application or ongoing fees on this loan from an innovative online lender.
3.89%
4.24%
$0
$0 p.a.
80%
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
3.94%
4.95%
$595
$0 p.a.
95%
Borrow up to 95% LVR of the value of the property you're buying and pay no application or ongoing fees.
3.99%
4.86%
$0
$0 p.a.
80%
Access a fee-free 100% offset account and pay no application or ongoing fees.
4.29%
4.26%
$0
$0 p.a.
95%
A competitive 3-year fixed rate loan with a high max insured LVR.
3.89%
3.91%
$0
$0 p.a.
80%
Investors can go from application to full approval in as little as 20 minutes with this innovative online lender.
4.14%
4.81%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
3.84%
3.91%
$0
$0 p.a.
80%
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
3.99%
3.99%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.89%
3.91%
$0
$0 p.a.
80%
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process.

Compare up to 4 providers

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Credit services for Aussie Select, Aussie IQ and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie"), and its appointed credit representatives. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133 Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Optimizer products is provided by Perpetual Limited ABN 86 000 431 827 (Lender). Credit for Aussie IQ is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. Home loans issued by the Lender are serviced by Macquarie Securitisation Limited ABN 16 003 297 336, Australian Credit Licence 237863 (MSL).

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2018 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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Home Loan Offer

loans.com.au Essentials - Variable (Owner Occupier, P&I)

3.64 % p.a.

variable rate

3.66 % p.a.

comparison rate

Home Loan Offer

With the loans.com.au Essentials Variable Home Loan enjoy a home loan with no application or ongoing fees as well as a competitive interest rate. Borrow up to 80% of the property's value. For owner occupiers and principal and interest repayments only.

  • Interest rate of 3.64% p.a.
  • Comparison rate of 3.66% p.a.
  • Application fee of $0
  • Maximum LVR: 80%
  • Minimum borrowing: $50,000
  • Max borrowing: $2,000,000
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Welcome to the home loans guide

The latest home loan and property market news for today

Read more home loan and property news

How do home loans work?

A home loan is an arrangement where you borrow money from a lender to buy a property, whether as a home or investment. It usually lasts for between 25 - 30 years.

In exchange for allowing you to borrow this money, your lender will charge you interest. This can be either fixed at a certain rate, or variable.

You'll usually pay your loan off in instalments known as repayments. These are usually required every week, fortnight or month.

A home loan is also known as a mortgage or as home finance.

Read our guide about how home loans work


How much does it cost?

The total cost of a loan depends on how much you borrow, as well as the interest rate and any fees you need to pay.

Home loans also come with fees charged at three different stages:

1. Upfront fees

  • Application fees. This fee pays for your lender to process and finalise your application. This can also be called an establishment fee.
  • Settlement fees. This is charged to cover costs when transferring your funds to you.
  • Valuation fees. Your lender will organise an independent valuation to make sure the sale price is reasonable.
  • Legal fees. A legal professional will need to look over your application to make sure it's compliant.
  • Lenders Mortgage Insurance (LMI). Lenders need borrowers to have at least 20% of the price of the property as a deposit. Some loans need as little as 5% deposit, but will come with LMI fees. LMI is an upfront fee charged to cover your lender in the event that you default on your home loan.
  • Stamp duty. Don't forget that when buying a property you should factor in how much stamp duty costs. You'll usually have to pay this tax as an upfront fee within 30 days of settlement. Stamp duty is calculated differently depending on what state you live in.

2. Ongoing fees

  • Repayments. The biggest cost of a home loan is in the regular repayments you have to make on it. Your repayment amount is set by your lender and takes into account the interest rate, how often you'll be repaying and the length of the loan.
  • Annual fees. This is usually charged on package loans.
  • Monthly fees. Some loans charge account keeping fees each month, which are usually below $20.
  • Redraw fees. Some loans allow you to make extra repayments on it to pay it off earlier. A redraw facility allows you access these funds, but can come with a fee. Depending on the loan, it might be waived if you conduct your redraws online.
  • Offset account fees. An offset account is a transaction or savings account linked to a home loan which can help you save money. This feature can also come with a monthly fee, although this is not common.

What's a comparison rate?

A comparison rate is an interest rate which includes many of the fees and charges you'll pay on your loan.

Comparison rates are calculated using the same example, regardless of how much you're borrowing. This example is a $150,000 loan taken out over 25 years. If your loan size or length is different to this, the comparison rate could be less accurate.

3. Exit fees

  • Title discharge fees. You'll pay these fees when you close your loan and they cost between $150 and $700. They're different to early exit fees, which apply to loans entered into before 1 July 2011.
  • Break costs. These are fees charged when you exit a fixed rate home loan during the fixed rate term. These fees are worked out based on multiple factors relating to your loan and the market.

Am I eligible for a loan if...

  • I'm self-employed. Most lenders will offer loans to those who are self-employed. Lenders will usually want business bank statements, BAS and/or accountant's letters verifying your income.
  • I have a low income. Yes, lenders will accept borrowers with low incomes. Loan approval will depend on the size of your deposit, the amount you're borrowing and whether your lender thinks you can afford it.
  • I have impaired credit. Yes, speciality lenders do offer loans to credit impaired borrowers. These loans generally have higher interest rates than regular home loans. They can also have larger deposit requirements.
  • I'm on a pension. Some lenders will see a pension as they would a regular salary. Some lenders may also set age limits on certain products and will require a good showing of your capacity to repay. Find out more in our guide on getting a loan if you're a pensioner.
  • I'm a casual or seasonal worker. There are major and smaller lenders which will grant loans to casual workers. Lenders will want to see employment contracts as well as invoices for prior work.
  • I have a temporary visa. Yes, but the amount you can borrow and the requirements may be stricter than for regular borrowers. You might also need approval for the purchase from the Foreign Investment Review Board (FIRB). Find out what you need to know when getting a loan on a temporary visa.
  • I don't have a deposit, but have a home with equity in it. You might be able to use a line of credit loan to buy a home. A line of credit or home equity loan allows you to borrow money from a lender using the equity in your home as security.
  • One of us is on maternity leave? Whether your lender approves your loan will depend on your income. They'll want to see you can still service the loan on the one income.
  • If I've recently gotten a new job? Some lenders will only want to see borrowers at least out of probation. Others will want to see a borrower in the same job for at least six to 12 months.
  • I'm on a single income with a child? This depends on your income, debts and liabilities.

Have a more complex situation? In most cases, it's a good idea to chat with a mortgage broker. They can save you the hassle of getting your application rejected.

They're usually free to you, as they earn a commission from the lender when you take out the loan.

Fill out the form above to speak to one.


What are the types of mortgages on offer?

You can boil down Australian mortgages into the following types:

Standard variable rates

These have an interest rate which changes over time. Your lender will decide on how often it changes and by how much depending on various economic factors.

Fixed rates

These are loans where you lock in an interest rate for some years (usually 1- 5). During the locked period your rate won't change at all.

Interest only

You don't have to pay off the principal with an interest only loan. This leaves you responsible for just the interest charges each month. In effect this makes the repayments much smaller on comparable loans. Interest only loans appeal to investors because of this, and the tax benefits they come with.

There is an added risk with this type of loan because you're not paying the actual loan amount down.

Find out more about how they work in our interest only comparison guide.

Introductory home loans

These loans have a lower interest rate for the first year or two. Once the intro period ends, the rate reverts to the lender’s standard variable rate. They can be useful for first home buyers due to the lower costs during the first years of home ownership.

Line of credit/ home equity loans

These allow you to access the equity you have built in your home through a chequebook or online banking. You can use this type of loan to buy an investment, renovate your home, buy a car and much more.

You may also consider this type of loan if you are building your home as it allows you to continually draw funds from the borrowed amount which is suitable when you are paying for different stages of construction.

SMSF home loans

A Self Managed Super Fund (SMSF) can use this type of loan to borrow money to buy a property. They're limited recourse borrowing arrangements, are only able to be used to purchase investment properties and are suitable for more experienced investors. Read more about them in our guide on SMSF home loans and how they work.


What features can you get with a mortgage?

Starting a home loan comparison

Extra repayments

Most loans today allow you to make additional repayments, which can help pay your loan off sooner.

Some loans limit the amount of extra repayments you can make each year. For example, some fixed rate home loans will have a limit of between $10,000 and $25,000 per year.

Extra repayments can be made regularly or as a lump sum payment.

Redraw facility

A redraw facility allows you to get access to the extra repayments you’ve made on your home loan, which is useful for emergencies or sudden expenses.

Redraw facilities are very common on home loans, and usually have no extra fees, although can have minimum redraw amounts.

Most home loans allow you to carry out redraws online.

Offset facility

An offset facility is a transaction account which is linked to your loan. Any money deposited into the account offsets interest on your home loan.

For example, imagine a loan of $100,000 which has an offset account with $10,000 in it. When interest is calculated on the loan, it’s only calculated on $90,000. This is because the $10,000 is subtracted from the loan amount for the purpose of calculating interest.

Offset accounts can come with monthly fees ranging between $5 - $20 per month.

There are two types of offset accounts:

  • 100% offset accounts. Where the full amount in the account is used when offsetting the home loan balance.
  • Partial offset accounts. Where only a portion e.g 70% of the balance of the account is used when offsetting the loan balance.

Repayment holiday

A repayment holiday is a period of time where you don’t have to make repayments on your home loan, which is useful for unexpected situations such as if you get sick or lose your job.

Some lenders only offer this option to borrowers who have made extra repayments.

Rate lock

A rate lock allows you to lock in an advertised rate so that in the time taken for your loan to be approved, it doesn’t change.

This is usually offered only on fixed rate loans.

Rate locks generally have a fee which can be either a dollar amount, or percentage of the loan amount, or both.

Portability

Portability allows you to take your loan with you if you sell your property. This means you can bring it to your new home without having to worry about signing up for a new loan, with this you can also avoid fees.

Split rate

This feature allows you to have both a fixed rate and variable rate on your loan. This means you can enjoy some of the benefits of a fixed rate, and some of the benefits of a variable rate. In many cases, a loan can be split more than once.

Some lenders don’t charge a fee for this, while others will charge a fee per split


What's pre-approval and do I need it?

Pre-approval means your lender will 'conditionally' approve you for a specific loan amount. They'll take into account your income, debts and liabilities when deciding this.

It's usually extended for a few months, allowing you to look for a property with a bit more confidence.

It's important to note that pre-approval conditions can differ depending on the lender. Read our expert explanation of pre-approval to find out what to look for.


How to prepare when applying for a home loan

  • Is your credit file in order? Find out how to get a copy of your credit file and make sure there are no errors on it. If you have defaults or late repayments on your file, be able to explain them. Close any credit cards you're no longer using.
  • Are you getting a joint loan? Think about how strong your relationship is with the other party. Changes to your relationship could make it hard if one party wishes to sell their part of the property.
  • What are your plans for the property over the next few years? Match your loan to your future plans. For example, avoid taking out a fixed rate loan if you plan to sell the property shortly after buying it. Fixed rate loans have break costs which can be expensive.
  • Are you eligible for the loan? Borrowers generally need to be over 18 years of age. There are other requirements too, but these depend on the lender. Some will want you to have a good credit rating. Others might not allow you to buy inner city apartments. Always read these before applying.

What paperwork do I need to give my lender when applying for a home loan?

Your lender will want to work out whether or not you can afford a loan, so will want to see a bit of information from you. This includes:

Personal details

This includes your full name, tax file number, driver's licence number or some other form of photo ID, phone number and address.

Employment details

Your lender wants to know about your job and how long you've been in your position and industry and may ask for the contact details of your HR department to confirm these details.

Financial details

Your lender will want to know how much you earn and spend. They'll want to see recent payslips, as well as details of your expenses and debts including other personal loans or credit cards.

Information about your property

The exact paperwork required will depend on the type of property you're buying. You'll need to tell your lender the property address, the type of property it is, the number of rooms it has and more.


What type of lender should I go with?

Lenders all have to abide by the same strict guidelines and laws. This makes choosing between the a bank, a not-for-profit credit union or an online or non-bank lender a matter of savings and personal preference.

Banks

A bank is an institution where you can deposit and withdraw funds. They also offer loans.

Banks have larger client bases than other lenders, so offer more products. These include longer fixed term lengths and loans for low doc borrowers.

Another benefit of using a bank is that they usually have branches for you to do your banking in person.

Not-for-profit credit unions

Unlike a bank, a credit union is owned by its members. This means profits earned go back into the union to improve products.

Credit unions generally won't have the large product ranges a bank does. Instead, they'll offer the most popular loans. In some cases they might also limit their products to workers in a specific industry, such as teachers or university employees.

Online or non-bank lenders

Online lenders often offer competitive rates and products. This is because they don't have to pay for the physical branches a regular lender has to. This has a downside, as you'll usually only be able to carry out your banking over the phone or online.

Many of these lenders are in fact brands of larger well known banks. UBank for example is an online brand of NAB, and loans.com.au is a Firstmac brand.

Find out more about how lenders differ from each other


Frequently asked questions about home loans


Where to from here?

You can start a home loan comparison or speak to a mortgage broker by viewing our table above. This shows interest rates, comparison rates, maximum LVRs, application fees and upfront fees. There's also a calculator at the top of the table which you can use to find out what your monthly repayments might be.

Compare loans today

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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

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One Response

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    SteveOctober 13, 2017

    Great page!

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