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Get the best home loan for you

Our research shows you could pay up to $63,000 more over the loan term for your mortgage, if you settle for a second-best loan. Compare some competitive deals below and find a better home loan rate today.

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Richard Whitten

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Sarah Megginson
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1 - 20 of 51
Updated regularly
Name Product Comparison Rate Fees Monthly Payment

Ubank Neat Variable Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Ubank Neat Variable Home Loan
Interest Rate
2.64%
2.65%
  • Application: $0
  • Ongoing: $0 p.a.
$605
Get flexibility and the option to make unlimited extra repayments with this variable rate loan.
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Unloan Variable Home Loan
Principal & interestOwner-occupier20% min. deposit Refinancers only

Principal & interestOwner-occupier20% min. deposit Refinancers only
Unloan Variable Home Loan
Interest Rate
2.64%
2.56%
  • Application: $0
  • Ongoing: $0 p.a.
$605
A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
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loans.com.au Smart Booster Discount Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
loans.com.au Smart Booster Discount Variable Home Loan
Interest Rate
2.60%
2.96%
  • Application: $0
  • Ongoing: $0 p.a.
$602
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.
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Nano Variable Home Loans
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Nano Variable Home Loans
Interest Rate
2.74%
2.74%
  • Application: $0
  • Ongoing: $0 p.a.
$613
Competitive rate with zero fees, fast approval and a 100% free offset account. Available for refinancers and existing buyers purchasing their next home. 20% deposit required.
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Macquarie Bank Basic Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Macquarie Bank Basic Home Loan
Interest Rate
2.84%
2.84%
  • Application: $0
  • Ongoing: $0 p.a.
$621
This flexible variable rate loan requires a 40% deposit or equity. Get fast online approval and $0 application fee and $0 ongoing fees.
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IMB Budget Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
IMB Budget Home Loan
Interest Rate
2.84%
2.85%
  • Application: $449
  • Ongoing: $0 p.a.
$621
A low-rate, no-frills home loan for borrowers with a good deposit and unrestricted repayments. $0 application fee for eligible borrowers with principal-and-interest repayments and deposits of at least 20%.
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Yard Variable Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Yard Variable Home Loan
Interest Rate
2.64%
2.66%
  • Application: $0
  • Ongoing: $0 p.a.
$605
Get a low variable rate loan with this online lender. 100% offset account. Requires a 40% deposit.
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Ubank Neat Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Ubank Neat Variable Home Loan
Interest Rate
2.84%
2.86%
  • Application: $0
  • Ongoing: $0 p.a.
$621
A competitive variable rate loan that comes with a 100% offset account. 20% deposit required.
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Unloan Variable Home Loan
Principal & interestInvestment20% min. deposit Refinancers only

Principal & interestInvestment20% min. deposit Refinancers only
Unloan Variable Home Loan
Interest Rate
2.94%
2.86%
  • Application: $0
  • Ongoing: $0 p.a.
$629
Investors can get a low variable rate. Apply online and get fast approval. Backed by the Commonwealth Bank.
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Consultant

Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
Principal & interestOwner-occupier-10% min. deposit

Principal & interestOwner-occupier-10% min. deposit
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan
Interest Rate
2.79%
2.80%
  • Application: $0
  • Ongoing: $0 p.a.
$617
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.
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OneTwo Variable Rate Home Loan
Principal & interestOwner-occupier20% min. deposit Refinancers only

Principal & interestOwner-occupier20% min. deposit Refinancers only
OneTwo Variable Rate Home Loan
Interest Rate
2.59%
2.49%
  • Application: $0
  • Ongoing: $0 per month
$601
$5,000 refinance cashback.
A variable rate loan for owner-occupier refinancers living in NSW, VIC, QLD or SA metro and inner regional areas. Get an extra 0.15% off your rate as you repay the loan and get up to $2,500 in bonus payments. Terms and conditions apply.
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homeloans.com.au Low Rate Home Loan with Offset
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
homeloans.com.au Low Rate Home Loan with Offset
Interest Rate
2.64%
2.64%
  • Application: $0
  • Ongoing: $0 p.a.
$605
A competitive rate with no application or ongoing fees. This loan is not available for construction.
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HSBC Home Value Loan
Principal & interestOwner-occupier30% min. deposit

Principal & interestOwner-occupier30% min. deposit
HSBC Home Value Loan
Interest Rate
2.77%
2.78%
  • Application: $0
  • Ongoing: $0 p.a.
$616
$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.
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Tic:Toc Live in Loan Variable Rate
Principal & interestOwner-occupier10% min. deposit

Principal & interestOwner-occupier10% min. deposit
Tic:Toc Live in Loan Variable Rate
Interest Rate
2.59%
2.60%
  • Application: $0
  • Ongoing: $0 p.a.
$601
A competitive variable rate product with no application or valuation fees offered by a 100% online lender.
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Athena Variable Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Athena Variable Home Loan
Interest Rate
2.64%
2.64%
  • Application: $0
  • Ongoing: $0 p.a.
$605
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
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G&C Mutual Bank Momentum Home Loan
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
G&C Mutual Bank Momentum Home Loan
Interest Rate
2.74%
2.76%
  • Application: $0
  • Ongoing: $0 p.a.
$613
A variable rate loan for owner-occupiers looking to refinance. This loan has low fees and a 100% offset account.
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Well Money Balanced Variable
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Well Money Balanced Variable
Interest Rate
2.60%
2.63%
  • Application: $250
  • Ongoing: $0 p.a.
$602
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee.
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Newcastle Permanent Building Society Real Deal Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Newcastle Permanent Building Society Real Deal Home Loan
Interest Rate
2.87%
2.91%
  • Application: $595
  • Ongoing: $0 p.a.
$624
Get up to $3,000 refinance cashback when your LVR is 90% or lower ($2,000 cashback for loan amounts of $250K+ and above, $3,000 for $500K+). Other conditions apply.This variable rate loan requires a 20% deposit and has an offset account.
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Nano Variable Home Loans
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
Nano Variable Home Loans
Interest Rate
3.04%
3.04%
  • Application: $0
  • Ongoing: $0 p.a.
$637
Investors can get this no-fee variable rate loan. You will need a 20% deposit. Fast online approval. Available for refinancers and existing buyers purchasing their next property.
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Yard Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Yard Variable Home Loan
Interest Rate
2.74%
2.76%
  • Application: $0
  • Ongoing: $0 p.a.
$613
A competitive variable rate loan for home buyers with an optional offset account ($120 annual fee). 20% deposit required.
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