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Credit services for Aussie Select products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. 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. © 2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786. 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.

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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Aussie Home Loans is both a lender and a mortgage broker, and offers a range of services.

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  • Over 1000 brokers who are able to help you in your local area.

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The Adviser’s number 1 placed mortgage broker 5 years running (2013-2017)

Rates last updated April 25th, 2019
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Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.59%
3.57%
$0
$0 p.a.
80%
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
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.
3.59%
4.54%
$300
$10 monthly ($120 p.a.)
90%
Home buyers can lock in a very competitive fixed interest rate for 2 years.
3.80%
3.82%
$0
$0 p.a.
80%
This low, variable rate loan has no ongoing fees and a redraw facility. Requires a 20% deposit.
3.57%
3.58%
$0
$0 p.a.
90%
Get a very low interest rate and pay no application, settlement or valuation fees. Apply online for full approval in real time and add a 100% offset account for $10 a month. $1,000 cashback offer.
3.69%
3.78%
$0
$0 p.a.
70%
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
3.64%
4.63%
$300
$10 monthly ($120 p.a.)
90%
Low fixed rate loan for home buyers. Available with a 10% deposit. 100% offset account attached.
3.79%
3.79%
$0
$0 p.a.
95%
Competitive, flexible rate mortgage with simple features and low fees. Low deposit option available. VIC state wide only
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.
3.79%
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.
3.87%
4.30%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.85%
4.17%
$0
$299 p.a.
80%
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
3.64%
3.66%
$0
$0 p.a.
90%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
3.67%
3.69%
$600
$0 p.a.
80%
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
4.09%
4.41%
$0
$299 p.a.
80%
Investors can enjoy a 100% offset account, a redraw facility and flexible repayments.
3.49%
3.49%
$0
$0 p.a.
80%
Get a very low variable rate and avoid large fees when buying a home. Requires a 20% deposit. Fee waivers for eligible refinancers.
3.69%
3.69%
$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.
3.97%
3.99%
$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.
3.99%
3.98%
$0
$0 p.a.
80%
A competitive variable mortgage for investors looking to refinance. Principal and interest repayments. Refinancers only.
3.49%
4.58%
$0
$395 p.a.
90%
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.70%
3.70%
$0
$0 p.a.
70%
A low interest rate home loan with no application or ongoing fees.
3.69%
3.72%
$445
$0 p.a.
90%
NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.
3.59%
3.62%
$500
$0 p.a.
95%
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
4.09%
3.77%
$0
$0 p.a.
80%
Variable interest only mortgage for owner occupied refinancers. Refinancers only.
3.69%
4.21%
$0
$10 monthly ($120 p.a.)
90%
Get a low discounted rate for 2 years plus a 100% offset account. And you can get the loan with a 10% deposit.
3.75%
3.91%
$0
$10 monthly ($120 p.a.)
90%
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit.
3.81%
3.81%
$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.
3.74%
4.49%
$445
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
3.86%
3.86%
$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.
3.69%
4.48%
$300
$10 monthly ($120 p.a.)
90%
This fixed rate loan includes a special offer for new lending of $150000 with an LVR of 90% or less. Offer extended.
3.73%
3.87%
$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.
3.72%
3.72%
$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.
3.89%
5.24%
$300
$10 monthly ($120 p.a.)
90%
A flexible, competitive fixed rate loan that allows for extra repayments.
3.69%
3.83%
$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.
3.76%
3.76%
$0
$0 p.a.
70%
Get a discount for keeping your LVR at 70% or below with this innovative online lender.
3.69%
4.09%
$0
$395 p.a.
95%
Get interest rate discounts and waived fees on this package loan with a 100% offset account. $500 cashback offer for first homebuyers borrowing over 80% and paying LMI.
3.99%
4.15%
$300
$10 monthly ($120 p.a.)
80%
Take advantage of a basic no-frills home loan with extra repayments and fee free redraw.
3.69%
3.90%
$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.
3.85%
4.18%
$500
$0 p.a.
95%
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
3.90%
3.90%
$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.
90%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee). $1,000 cashback offer.
3.72%
3.74%
$0
$0 p.a.
80%
Low fee, competitive variable mortgage. Save on interest with a 100% offset account.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.81%
4.06%
$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.
3.76%
3.96%
$0
$0 p.a.
70%
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
3.74%
4.01%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
4.10%
4.10%
$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.
4.29%
4.31%
$0
$0 p.a.
80%
Investors will pay no application or ongoing fees for this interest-only loan.
3.99%
4.44%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.
4.34%
4.34%
$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.
4.29%
4.30%
$0
$0 p.a.
95%
A competitive 3-year fixed rate loan with a high max insured LVR.
3.99%
3.99%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.49%
4.37%
$0
$0 p.a.
90%
A discounted 1 year fixed rate for home buyers that's available with a 10% deposit. NSW, QLD and ACT residents only.
3.89%
3.91%
$0
$0 p.a.
85%
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process. $1,000 cashback offer.

Compare up to 4 providers

* 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 Site, 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.

What to look for in a 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, many borrowers consider a competitive interest rate above else when judging the "best" loans. You also need to know about how different types of interest rates work.

Rate types Details
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.

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.

Video: How to compare home loans in 3 minutes

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.

What to look for in a home loan, according to Australian homeowners

In a finder survey conducted in November 2017, 1,286 Australian homeowners were asked the following question: "Aside from the interest rate, which features are most important when selecting a home loan?" The results were as follows:

Answer Percentage of respondents
Fees 36%
Ability to make extra repayments 28%
Offset account 18%
Redraw facility 13%
Loan portability 5%

According to these responses, Australian homeowners are more concerned about fees (and avoiding them) than anything else. But these responses, while interesting, matter less than your own specific needs. And this can depend on your particular situation.

How to find the best mortgage for every borrower

The most appropriate home loan for someone in their 50s who already owns property may look very different to a couple in their 20s buying their first home. Self-employed borrowers will also have different needs than people who are looking to buy a home with a very small deposit.

We've outlined some common scenarios for different mortgage borrowers below, with links to helpful guides and specialised home loan products.

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 right mortgage 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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