⚡️⚡️⚡️
With energy prices rising, switch to a cheaper plan
💡
Compare Prices Now
⚡️⚡️⚡️
< path d="M52.6178 31.3114L44.7476 60.6733L74.1095 68.5435L81.9797 39.1816L52.6178 31.3114Z" fill="#F9C32D"/>
download the finder app!App

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

Avatar
Richard Whitten
Updated . What changed?
Fact checked

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!

Worried about rising interest rates? There are still good home loan deals on the market. We've analysed the home loans from our partners to choose our 3 best home loan rates for first home buyers, refinancers and investors this month.

Here's how we selected this month's best home loan picks.

Compare some of the best home loan rates on the market

Updated regularly
$
years
1 - 20 of 44
Updated regularly
Name Product Comparison Rate Fees Monthly Payment

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.
Go to site
More Info

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.
Go to site
More Info

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.
Go to site
More Info

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.
Go to site
More Info

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

Principal & interestOwner-occupier10% min. deposit
HSBC Home Value Loan
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.
Go to site
More Info

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.
Go to site
More Info

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

Principal & interestOwner-occupier20% min. deposit
Athena Variable Home Loan
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.
Go to site
More Info

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

Principal & interestOwner-occupier 1Y Fixed10% min. deposit
Well Money Balanced Fixed Home Loan
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.
Go to site
More Info

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.
Go to site
More Info

Speak to a broker about your options

Consultant

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

Principal & interestOwner-occupier40% min. deposit
Well Money Equity Plus
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.
Go to site
More Info

Well Money Balanced Variable
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
Well Money Balanced Variable
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.
Go to site
More Info

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.
Go to site
More Info

Athena Variable Home Loan
Principal & interestInvestment20% min. deposit

Principal & interestInvestment20% min. deposit
Athena Variable Home Loan
Interest Rate
3.04%
2.99%
  • Application: $0
  • Ongoing: $0 p.a.
$637
A competitive investor variable rate that falls as you build equity.
Go to site
More Info

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%.
Go to site
More Info

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.
Go to site
More Info

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.
Go to site
More Info

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

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

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.
Go to site
More Info

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.
Go to site
More Info

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.
Go to site
More Info
loading

Compare up to 4 providers

Lenders