Best home loans guide for December 2017

Rates and fees last updated on

Don't settle for any old loan. Learn how to find the best home loan for you.

Finding the best home loan for your situation can help you save money and pay off your mortgage faster. This guide will tell you what features to look for in the best home loans and teach you how to determine your home loan needs. Or you can start comparing loans in the table below.

NAB Home Loan Offer

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special

3.69 % p.a.

fixed rate

4.86 % p.a.

comparison rate

NAB Home Loan Offer

NAB Choice Package Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier) First Home Buyer Special offers a special rate with no application fee and a low ongoing fee for first home buyers only.

  • Interest rate of 3.69% p.a.
  • Comparison rate of 4.86% p.a.
  • Application fee of $0
  • Maximum LVR: 90%
  • Minimum borrowing: $150,000
  • Max borrowing: $10,000,000
Go to site

Compare Our Best Home Loan Rates*

Rates last updated December 12th, 2017.

Tic:Toc Live in Loan Variable Rate

Comparative rate decreases by 0.10% | Interest rate decreases by 0.10%

October 13th, 2017

Easy Street Fixed Home Loan - 2 Years (Owner Occupier, P&I)

Interest rate increases by 0.35%

October 16th, 2017

CUA Advance Variable Home Loan - Owner Occupier, P&I

Interest rate decreases by 0.09%

October 17th, 2017

View latest updates

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Loan purpose
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Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
A special rate for first home buyers buying residential property and borrowing over $150K. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Variable Rate
A competitive variable rate product with low fees offered by a 100% online lender.
3.58% 3.59% $0 $0 p.a. 80% Go to site More info
3.62% 3.62% $0 $0 p.a. 80% Go to site More info
Mortgage House Advantage Variable Home Loan - 80 (PAYG Special No Offset)
A home loan with a competitive variable rate, limited fees and plenty of flexibility.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
3.64% 3.67% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials Homebuyer Special (Owner Occupier, P&I)
For new home buyers only. No refinance option. A low interest variable home loan with no application fee and free redraws. Offer ends 2 January.
3.54% 3.56% $0 $0 p.a. 80% Go to site More info
CUA Advance Variable Home Loan - Owner Occupier, P&I
A competitive variable rate home loan with no application fee.
3.65% 3.66% $0 $0 p.a. 90% Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I)
A special limited time offer for owner occupiers. An IMB Transaction Account must be opened with this loan.
3.69% 3.69% $0 $0 p.a. 90% Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Investor)
Fix your interest rate and pay principal and interest repayments on your investment.
3.99% 4.62% $395 $0 p.a. 80% Go to site More info
ING Orange Advantage Loan - $500k to $1m (LVR <=80% Owner Occupier, P&I)
A loan with no application fee and borrow up to 95% LVR.
3.69% 4.01% $0 $299 p.a. 95% Go to site More info
Homestar Refinance Owner Occupied Special
This variable loan has a sharp rate, low fees, flexible repayment options and an offset account. This loan is available for PAYG borrowers only.
3.44% 3.45% $440 $0 p.a. 80% Go to site More info
ClickLoans The Online Investor Home Loan - LVR <80%
An investment home loan with competitive rate and 100% offset account.
4.14% 4.14% $0 $0 p.a. 80% Go to site More info
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
Mortgage House Advantage Variable Home Loan - LVR 80% (Owner Occupier, with Offset)
A low interest rate home loan that allows borrowers to borrow up to 80% of the property value.
3.68% 3.83% $0 $10 monthly ($120 p.a.) 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
4.64% 4.01% $0 $0 p.a. 80% Go to site More info
ClickLoans Basic Home Loan - LVR <70%
A low-rate basic home loan requiring a 30% deposit.
3.64% 3.64% $0 $0 p.a. 70% Go to site More info
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Investor, P&I)
Access a fee-free offset account and a special interest rate for investors.
4.09% 4.11% $0 $0 p.a. 90% Go to site More info
NAB Choice Package Home Loan - 4 Year Fixed (Investor P&I)
Package your 4-year fixed rate investment loan and pay no application fees.
4.79% 5.44% $0 $395 p.a. 90% Go to site More info
Tic:Toc Invest Loan Variable Rate Home Loan
A low-fee variable rate investor loan with a fast online application process.
3.99% 4.00% $0 $0 p.a. 80% Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)
Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.
3.64% 4.03% $0 $395 p.a. 80% Go to site More info
IMB Platinum Package Fixed Home Loan - 2 Year Fixed (LVR < 90% Owner Occupier)
A 2 years fixed platinum package that has $0 application and a loan redraw facility.
3.65% 4.84% $0 $395 p.a. 90% Go to site More info
Easy Street Honeymoon Home Loan Special - 1 Year (New Money only offer) Owner Occupier, P&I
Get a discounted fixed interest rate for the first 12 months while you settle into your new loan.
3.65% 4.19% $500 $0 p.a. 95% Go to site More info
ING Orange Advantage Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
A fully featured home loan with an offset account and discounts available.
3.79% 4.11% $0 $299 p.a. 80% Go to site More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Take advantage of a 100% offset account along with no annual or application fees.
3.72% 3.74% $0 $0 p.a. 80% Go to site More info
Australian Unity Kickstarter Home Loan
A maximum 80% LVR home loan with no ongoing service fees and a linked transaction account.
3.72% 3.75% $600 $0 p.a. 80% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Years Fixed (Owner Occupier, P&I)
Enjoy a low interest rate and borrow up to 90% (with LMI) of your property's value.
3.94% 4.88% $0 $0 p.a. 90% Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier)
A one year fixed rate offer with no ongoing bank fees.
3.69% 4.15% $395 $0 p.a. 80% Go to site More info
IMB Budget Home Loan - LVR <=90% (Owner Occupier, P&I)
Get a competitive rate without features you may not use.
3.97% 4.02% $445 $0 p.a. 90% Go to site More info
Australian Unity Health, Wealth and Happiness Home Loan - (Owner Occupier, P&I)
Take advantage of a 0.60% discount on your rate, a 100% offset account and no ongoing fees.
3.99% 4.02% $600 $0 p.a. 90% Go to site More info
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
A low variable rate loan with no application or ongoing fees.
4.09% 4.11% $0 $0 p.a. 80% Go to site More info
Easy Street Fixed Home Loan - 2 Years (Owner Occupier, P&I)
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
3.85% 4.18% $500 $0 p.a. 95% Go to site More info
AMP Essential Home Loan  -  $100,000 and above (Owner Occupier)
Take advantage of a redraw facility, competitive variable rate and no application or settlement fees for a limited time.
3.96% 3.98% $0 $0 p.a. 90% Go to site More info
Bankwest Equaliser Home Loan - LVR ≤80% (Owner Occupier, P&I & $200k+) new customers only
Enjoy a variable 3 year introductory rate with the Bankwest Equaliser Home Loan.
3.72% 4.19% $0 $0 p.a. 80% Go to site More info
ME Flexible Home Loan Fixed - 2 Year Fixed Rate (Owner Occupier, P&I)
Get a competitive 2-year fixed rate with no application or ongoing fees.
3.84% 4.83% $0 $0 p.a. 95% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)
A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.88% 4.89% $0 $395 p.a. 95% Go to site More info
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier, IO)
Access the equity in your home with a competitive interest-only rate and no application fee.
4.04% 4.07% $0 $0 p.a. 80% Go to site More info
IMB Essentials Home Loan - $300,000+, LVR < 90% (Owner Occupier, P&I)
A competitive variable rate home loan with no ongoing fees.
3.97% 3.97% $0 $0 p.a. 90% Go to site More info
Beyond Bank Low Rate Special Home Loan - LVR <70%
A special low variable rate for owner occupiers with 100% offset account and no application or ongoing fees.
3.73% 3.73% $0 $0 p.a. 70% Go to site More info
ClickLoans Basic Home Loan
A basic low-rate home loan that still offers some useful features.
$0 $0 p.a. Go to site More info
RACQ Mortgage Saver Special Home Loan
A low rate home loan with no application or ongoing fees. Note that to be eligible for this loan you must be QLD resident.
3.74% 3.74% $0 $0 p.a. 95% Go to site More info
IMB Essential Home Loan - LVR <=90% (Owner Occupier, P&I)
Access to redraw facility and offset account without the annual fee.
4.19% 4.19% $0 $0 p.a. 90% Go to site More info
St.George Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
A no frills loan with a competitive rate and a maximum LVR of 95%.
3.68% 3.69% $0 $0 p.a. 95% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier, P&I)
A competitive variable rate home loan with flexible features. You can earn 30,000 Velocity Points for every $100k you borrow (for a limited time, subject to eligibility requirements).
3.64% 3.78% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier) New Customers Only
A low rate variable home loan offer with no monthly fees or application fee charge.
3.87% 3.92% $0 $0 p.a. 90% Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
Get a competitive interest rate for 3 years and a discounted variable rate when the fixed period ends.
3.87% 3.87% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
Enjoy a low variable rate with no application and ongoing fees.
3.69% 3.69% $0 $0 p.a. 70% Enquire now More info
Aussie Select Basic Variable  - <$500k (LVR <= 80%) (Owner Occupier)
A competitive rate with no ongoing monthly fees or application fees.
3.79% 3.80% $0 $0 p.a. 80% Enquire now More info
ANZ Simplicity PLUS Home Loan - Special Offer (Owner Occupier, P&I)
Enjoy a basic home loan with a high LVR and no application or ongoing fees.
3.99% 4.03% $0 $0 p.a. 95% Enquire now More info
St.George Fixed Rate Advantage Package -  2 Year Fixed Rate (Owner Occupier, P&I)
A discounted package rate for owner occupiers with the ability to package a Qantas rewards earning Amplify credit card. $1,500 cashback available for refinancers. Conditions apply.
3.85% 4.95% $0 $395 p.a. 95% Enquire now More info
Commonwealth Bank Wealth Package Fixed Home Loan - 2 Year Fixed (Owner Occupier) P&I
A package home loan with fee free extra repayments available during the fixed term.
3.99% 4.99% $0 $395 p.a. 95% Enquire now More info
4.39% 5.42% $300 $10 monthly ($120 p.a.) 95% Enquire now More info
Finsure Home Loan Deal
Enjoy a low variable rate with no application fee.
3.69% 4.03% $0 $299 p.a. 80% Enquire now More info
Westpac Flexi First Option Home Loan - 2 Years Introductory Special Offer (New Owner Occupier, P&I)
This competitive introductory rate is a limited time offer for new owner-occupiers
3.59% 4.42% $0 $0 p.a. 95% Enquire now More info
3.68% 3.69% $600 $0 p.a. 90% Enquire now More info
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* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms "Best" and "Top" are not product ratings and are subject to our disclaimer. The star ratings indicated on this page are from real finder.com.au users based on their feedback about the quality of this page. It is not representative of any product’s star ratings and should not be taken as a recommendation of any form of credit. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

What to look for in the best home loan

There is no perfect home loan for all borrowers: a lot depends on your needs. But there are some key elements to the best home loans that everyone should consider:

      • Competitive interest rates
      • Low fees
      • Flexibility & features

Best home loans infographic

Competitive interest rates

The higher the interest rate, the more you end up paying. While it isn't the only factor to consider, the best home loans typically have a competitive interest rate. You also need to know about how different types of interest rates work.

Rate typesDetails
Fixed Rate
  • The interest rate is locked for a set period, usually 1, 3 or 5 years.
  • Fixed rate loans offer stability and certainty, but if interest rates fall you won't benefit from a lower rate.
Standard Variable Rate
  • The interest rate can change at any time, often due to decisions by the Reserve Bank, regulators or market conditions.
  • Rates may go up but they may also go down, saving you money.
Ongoing Discount Rate
  • Some lenders offer discounted interest rates for limited periods.
  • Loans packaged with credit cards or other accounts often come with built-in discounts but also have fees.

The type of interest rate that's best for you will depend on your circumstances. Fixed interest rates offer more stability while variable rate loans can get cheaper if interest rates go down.

Compare some of today's best home loan rates

Low fees

Home loans can take decades to pay off. This means costly ongoing fees can add up to many thousands of dollars over the life of a loan. Different fees to watch out for include:

  • Application fees (these are one-off fees)
  • Valuation fees
  • Discharge fees
  • Settlement fees
  • Lender's legal fees
  • Redraw fees

Flexibility and features

Home loans with added features can offer borrowers more flexibility in how they manage their loan, make their payments or use their credit. Some of the flexible options available to borrowers are:

    • Additional or extra repayments. Put extra amounts towards your loan and pay it off faster.
    • Redraw facility. Access extra repayments you made on your loan whenever you need the money.
    • Offset accounts. A transaction account which reduces the interest you pay when funds are deposited into it.
    • Portability. Keep your home loan when moving to a new property, saving on entry and exit fees.
  • Family guarantee. Get a home with your family's assistance even without an adequate deposit.
  • Sign-up bonuses. Get a helping hand from your lender with a cash bonus or fee waiver on your home loan.
  • Professional package. Get a rate discount in exchange for bringing your other banking products over to your lender.
  • Split facility. Split your loan into fixed and variable portions to get the benefits of both.

What's the best home loan for me?

The “best” home loan is a very individual proposition. To decide what the best home loan for you might be, you need to consider your individual circumstances. Some things to take into account might be:

      • What are your current financial needs? What sort of repayment options can you afford right now? Your interest rate and your loan term will impact your monthly repayments.
      • What are your future financial needs? A home loan lasts a long time. To find a home loan that grows with you, you’ll need to think about your needs and wants for now and the future. For young professionals for example, a no-frills home loan with a fixed interest rate could help you get used to repayments. When the fixed rate period ends, you have the ability to refinance to a more flexible home loan as you become a parent or have bigger, financial goals.
      • What's the purpose of the loan? Whether you are buying a property as an investment or as your own home can affect grants you are eligible for, and how you manage your repayments and interest at tax time. There can also be some small differences between home loans and residential investment loans so make sure you are comparing the right type of loan where your needs are being met.

Watch: How to compare the best home loans in 3 minutes

 

How can I get the best home loan as a first home buyer?

It's tough to be a first home buyer in today's market. But don't despair. You just need to research, strategise and save as much as you can. Look at ways to trim your spending in every possible way and try to save as large a deposit as possible. This reduces your repayment costs and opens up options for better loans. A bigger deposit also helps you avoid costly lenders mortgage insurance. Thankfully first home buyers can get a bit of help from the government. Make sure you read up on stamp duty exemptions and first home owners grants you may be eligible for.

Check out our first home buyer guide

I'm a pensioner: what can I do to get the best possible loan?

If you're a pensioner who already owns a home you should look at tapping into the equity in the home with a line of credit loan or a reverse mortgage. It can be harder to get a loan as a low-income pensioner, but many lenders consider various pensions to be a valid source of income. This includes disability pensions and war widow or veterans' pensions.

You can read our full guide to home loans for pensioners here.

Can I get a great home loan if I'm a self-employed borrower?

Self-employed borrowers can have difficulty proving to lenders that they have a stable income. Many lenders require PAYG statements as proof of income and employment. But some lenders will accept alternative documents for income verification.

I can really only save a small deposit but I still want the best loan.

You can still get a good loan with a 5-10% deposit. But you'll probably need to pay for lenders mortgage insurance (LMI). Depending on your circumstances you might be eligible for a no-deposit home loan. But saving a bigger deposit really is the best way to get a better home loan. Why not check out our comprehensive six-part guide to deposit savings below?

Read our ultimate, six-part guide to saving for a home loan deposit.

I have terrible credit history! Can I still get a better loan?

You can! Borrowers can end up with bad credit scores for a variety of reasons. It does make it harder to get a home loan but nothing is impossible. There are a few steps you can take:

      • Get your debt under control.
      • Look at bad credit home loans tailored for borrowers in your situation.
      • Speak to a mortgage broker and get expert help.

More options for borrowers

If you’ve considered your circumstances and think you know what sort of loan will best suit your needs, it’s time to find a lender that matches your criteria.

What type of home loan do you want?

There are a range of home loans available in Australia and we're quite spoilt for choice. However, too much choice can also be confusing so before you apply, find out more about each loan feature or purpose.

And if you’ve found a lender you think suits your circumstances, it’s important to understand the process you’ll need to follow to apply for your home loan:How to get a home loan using finder.com.au

Find the best home loan* with help from a mortgage broker

Finding the best home loan can take a lot of time and energy. Why not get a mortgage broker to do the hard work for you? Mortgage brokers are home loan professionals who compare loans from a wide panel of lenders and can save you time and energy.

Find a mortgage broker and get your home loan journey started

I have a few more questions about getting the best home loan

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This page was last modified on 12 December 2017 at 5:11pm.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.

IMB Budget Home Loan - LVR <=90% (Owner Occupier, P&I)

Get a competitive rate without features you may not use.

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)

Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.

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108 Responses

  1. Default Gravatar
    HelenNovember 23, 2017

    I am 48. Never had a loan for anything as I believe you don’t get unless you have. I am entitled to the first home owners grant. Currently I’m on a sickness benefit but looking for work down the track. I’ve been looking at rentals but if I can buy my own home rather than pay someone elses off I don’t see why not to go for it. Where do I stand ?

    • Staff
      JudithNovember 24, 2017Staff

      Hi Helen,

      Thanks for reaching out to us. I hope all is well with you today.

      As we are a comparison website and general information service, I am unable to recommend or suggest a specific option for you, as it would entirely depend on your needs.

      You may check a list of home loan options on this page.

      To improve your chances of getting approved for a loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and make sure to read the details, as well as the relevant Product Disclosure Statements / Terms & Conditions of the loan option before making a decision and consider whether the product or option is right for you.

      I hope this helps.

      Cheers,
      Judith

  2. Default Gravatar
    trentAugust 27, 2017

    can I obtain a home loan for a farm which is 42 ha which I intend to develop it has a home on it I am looking for 400;000 and I have 170,000

    • Staff
      DanielleAugust 28, 2017Staff

      Hi Trent,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You are on the right page. You may customize, review, and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Enquire Now” button.

      I hope this helps.

      Cheers,
      Danielle

  3. Default Gravatar
    patApril 17, 2017

    Looking at Low Doc Loan max borrowing on my property current value around 1.1 million I am self employed what can you offer Pat

    • Staff
      AnndyApril 18, 2017Staff

      Hi Pat,

      Thanks for your question.

      You may compare low doc home loans on this page. The maximum amount that you can borrow depends on the LVR of the home loan product you are getting.

      Cheers,
      Anndy

  4. Default Gravatar
    JamilJune 26, 2016

    If I am eligible to borrow 450k home loan for 30 years, what would be minimum repayment per week?

    • Staff
      MarcJune 27, 2016Staff

      Hi Jamil,
      thanks for the question.

      You can find out what your loan repayments would be for different loan rates using our loan repayment calculator.

      I hope this helps,
      Marc.

  5. Default Gravatar
    DegsyJanuary 22, 2016

    What is the “advertised rate”? And “comparison rate”? And what is the difference?

    • Staff
      MarcJanuary 22, 2016Staff

      Hi Degsy, the advertised rate is a interest rate charged for a home loan, and it’s decided by your lender. It’s used to work out what your loan repayments will be.

      The comparison rate is the advertised rate including some of the fees of the home loan (The application fee and any ongoing monthly fees for example), and is accurate for the example of a $150,000 loan over 25 years. By law, comparison rates must be included on all home loan advertisements, as it gives you a way to see what the actual cost of a home loan is because of the inclusion of these fees.

      You can find out more about it in our comparison rate guide.

      I hope this helps,
      Marc.

  6. Default Gravatar
    TonyAugust 20, 2015

    Will I be able to borrow with my Income being from Income protection payments

    • Staff
      BelindaAugust 21, 2015Staff

      Hi Tony,

      Thanks for your enquiry.

      Generally, income protection insurance is designed to help you cover expenses, such as mortgage repayments, in the event that you are unable to work due to injury or illness. Please note that your ability to service a mortgage using this benefit will depend on the type of cover that you have, but most policies provide up to 75% of your monthly income.

      As lenders have different eligibility criteria to qualify for home loans, it would be best to contact the lender directly to see whether you can borrow using the benefit from your income payments.

      Thanks,
      Belinda

  7. Default Gravatar
    steveMay 31, 2015

    What is the difference beteen the interest rate and the comparison rate?

    • Staff
      BelindaJune 1, 2015Staff

      Hi Steve,

      Thanks for your enquiry.

      The interest rate is the percentage of your home loan that you’ll end up paying in addition to the original loan amount.

      Whereas the comparison rate is a percentage amount calculated by adding together the interest rate plus any additional fees or charges associated with the loan. The figure is then converted into a percentage to reflect the true cost of the home loan.

      If you compare home loans based on the comparison rate, you’ll get a more accurate idea of the true cost of the loan.

      I hope this clarifies things for you.

      Thanks,
      Belinda

  8. Default Gravatar
    KMay 11, 2015

    Are there any fees if you choose to pay out the Essentials home loan (on Interest only terms) earlier? If so, what are they? Thank you

    • Staff
      JodieMay 12, 2015Staff

      Hi,

      Thank you for contacting finder.com.au, we have followed up directly via email.

      Regards
      Jodie

  9. Default Gravatar
    raeleneMay 7, 2015

    what is interest rate for fixed an varible.. and what charges are there?

    • Staff
      MarcMay 7, 2015Staff

      Hi Raelene,
      thanks for the question.

      The interest rates for fixed and variable rate home loans is different depending on the product. The table on this shows some of the different rates and fees for some home loans.

      I hope this helps,
      Marc.

  10. Default Gravatar
    JeffMay 1, 2015

    Does it cost $ to ask a question of a 1300Home Loan broker through this website? I already have a home loan and want to compare rates to see if I am still getting the best deal. What if the broker decides that I am and so do not ned to change, will I have to pay them?

    • Staff
      BelindaMay 5, 2015Staff

      Hi Jeff,

      Thanks for your question.

      It doesn’t cost anything to ask a question of a 1300 Home Loan broker through our website.

      Please note that 1300 Home Loan consultants provide advice free of charge for all residential mortgages.

      I hope this helps.

      Thanks,
      Belinda

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