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Best home loan rates

Every month, we analyse 100+ mortgages in our database to select our best home loans for refinancers, first home buyers and investors.

Our Top Picks: Best home loans in July 2022

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

$
years
Name Product Comparison Rate Fees Monthly Payment

Tic:Toc Live in Loan Variable Rate
Principal & interestOwner-occupier10% min. deposit

Principal & interestOwner-occupier10% min. deposit
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.

OneTwo Variable Rate Home Loan
Principal & interestOwner-occupier20% min. deposit Refinancers only

Principal & interestOwner-occupier20% min. deposit Refinancers only
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.

Nano Variable Home Loans
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
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.

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

Principal & interestOwner-occupier-10% min. deposit
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.

HSBC Home Value Loan
Principal & interestOwner-occupier10% min. deposit

Principal & interestOwner-occupier10% min. deposit
Interest Rate
2.87%
2.88%
  • Application: $0
  • Ongoing: $0 p.a.
$624
$3,288 refinance cashback offer
A competitive value home loan with no ongoing fee. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

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

Principal & interestOwner-occupier40% min. deposit
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.

Athena Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
Interest Rate
2.74%
2.69%
  • Application: $0
  • Ongoing: $0 p.a.
$613
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Well Money Balanced Fixed Home Loan
Principal & interestOwner-occupier 1Y Fixed10% min. deposit

Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Interest Rate
4.64%
2.81%
  • Application: $250
  • Ongoing: $0 p.a.
$774
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.

Unloan Variable Home Loan
Principal & interestOwner-occupier20% min. deposit Refinancers only

Principal & interestOwner-occupier20% min. deposit Refinancers only
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.

Speak to a broker about your options

Consultant

Well Money Equity Plus
Principal & interestOwner-occupier40% min. deposit

Principal & interestOwner-occupier40% min. deposit
Interest Rate
2.57%
2.60%
  • Application: $250
  • Ongoing: $0 p.a.
$600
Borrowers with 40% deposits or equity can get this low variable rate loan. 100% offset account included.

Well Money Balanced Variable
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
Interest Rate
2.92%
2.95%
  • Application: $250
  • Ongoing: $0 p.a.
$628
If you're an investor with a 20% deposit saved you can get this low rate mortgage. Not available for construction.

loans.com.au Smart Booster Discount Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
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.

Athena Variable Home Loan
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
Interest Rate
3.04%
2.99%
  • Application: $0
  • Ongoing: $0 p.a.
$637
A competitive investor variable rate that falls as you build equity.

IMB Budget Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
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%.

Nano Variable Home Loans
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
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.

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

Principal & interestOwner-occupier40% min. deposit
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.

G&C Mutual Bank Fixed Rate Home Loan
Principal & interestOwner-occupier 1Y Fixed5% min. deposit

Principal & interestOwner-occupier 1Y Fixed5% min. deposit
Interest Rate
4.39%
4.45%
  • Application: $500
  • Ongoing: $0 p.a.
$752
Lock in a sharp rate for the first year. Available with a 5% deposit.

Yard Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
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.

Ubank Neat Variable Home Loan
Principal & interestOwner-occupier20% min. deposit

Principal & interestOwner-occupier20% min. deposit
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.

Unloan Variable Home Loan
Principal & interestInvestment20% min. deposit Refinancers only

Principal & interestInvestment20% min. deposit Refinancers only
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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