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Cheap home loans from 4.99%

Cheap home loans help you smash that mortgage debt faster. Right now on Finder, the lowest rate is 4.99% from South West Slopes Bank.

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1 - 20 of 77
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Product NameGreater Bank Great Rate Discount Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 110%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
ANZ logo
Principal & Interest20% min. depositOwner-occupierOffset account
ANZ logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameANZ Plus Home Loan Variable Rate
Interest Rate TypeVariable
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.6.10%
Minimum Loan Amount$10,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.09%
Comparison Rate
6.10%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,030
$2,000 cashback
Borrowers refinancing $250k or more to ANZ Plus before 31st March 2025 could get a cashback of $2,000. Excl. refinancers from ANZ or Suncorp. Other terms and conditions apply.
loans.com.au logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupierSpecial
loans.com.au logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupierSpecial
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Product Nameloans.com.au Fixed
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.6.16%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Available up to $10,000 per year
Interest Rate
5.69%
Comparison Rate
6.16%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,902
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IMB logo
Principal & Interest20% min. depositOwner-occupier
IMB logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameIMB Budget Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.07%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.04%
Comparison Rate
6.07%
Fees
Application: $449
Ongoing: $0 p.a.
Monthly Payment
$3,014
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Up to $4K cashback
Eligible borrowers can get up to $4,000 cashback when buying or refinancing with IMB. Loan value criteria applies. Other terms and conditions also apply.
Easy Street logo
Interest only 2Y Fixed20% min. depositInvestmentOffset accountSpecial
Easy Street logo
Interest only 2Y Fixed20% min. depositInvestmentOffset accountSpecial
Product NameEasy Street Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.79%
Comp. Rate p.a.6.04%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.79%
Comparison Rate
6.04%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$2,934
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
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Product Nameloans.com.au Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.06%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
6.04%
Comparison Rate
6.06%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,014
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Unloan logo
Principal & Interest20% min. depositOwner-occupier
Unloan logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.5.90%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
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Mortgage House logo
Principal & Interest40% min. depositOwner-occupier
Mortgage House logo
Principal & Interest40% min. depositOwner-occupier
Go to site
Product NameMortgage House Executive Saver Low Rate Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.89%
Comp. Rate p.a.5.93%
Minimum Loan Amount$150,000
Maximum Loan Amount $850,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.89%
Comparison Rate
5.93%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,966
Go to site
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.51%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.51%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
Go to site
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset accountSpecial Offer
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset accountSpecial Offer
Go to site
Product NameG&C Mutual Bank First Home Buyer
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.02%
Minimum Loan Amount$0
Maximum Loan Amount $5,000,000
Maximum Loan Term40 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.02%
Fees
Application: $0
Ongoing: $0 per month
Monthly Payment
$2,998
Go to site
People's Choice Credit Union logo
Principal & Interest30% min. depositOwner-occupierNT, VIC & SA only
People's Choice Credit Union logo
Principal & Interest30% min. depositOwner-occupierNT, VIC & SA only
Go to site
Product NamePeople's Choice Credit Union Basic Variable
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.89%
Comp. Rate p.a.5.90%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.89%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,966
Go to site
Unloan logo
Principal & Interest20% min. depositInvestment
Unloan logo
Principal & Interest20% min. depositInvestment
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.20%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.29%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,095
Go to site
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupier
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.21%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.21%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,063
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Variable Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.36%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,111
Go to site
IMB logo
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
IMB logo
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
Go to site
Product NameIMB Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.6.28%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.69%
Comparison Rate
6.28%
Fees
Application: $449
Ongoing: $6 per month
Monthly Payment
$2,902
Go to site
Up to $4K cashback
Eligible borrowers can get up to $4,000 cashback when buying or refinancing with IMB. Loan value criteria applies. Other terms and conditions also apply.
Mortgage House logo
Principal & Interest20% min. depositOwner-occupier
Mortgage House logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameMortgage House Advantage Essentials Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.5.98%
Minimum Loan Amount$150,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.94%
Comparison Rate
5.98%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,982
Go to site
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.58%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.58%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,063
Go to site
G&C Mutual Bank logo
Principal & Interest 3Y Fixed5% min. depositOwner-occupier
G&C Mutual Bank logo
Principal & Interest 3Y Fixed5% min. depositOwner-occupier
Go to site
Product NameG&C Mutual Bank Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.70%
Comp. Rate p.a.5.76%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Up to 5% of the loan balance per annum
Interest Rate
5.70%
Comparison Rate
5.76%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$2,906
Go to site
Mortgage House logo
Principal & Interest20% min. depositOwner-occupier
Mortgage House logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameMortgage House Flexi Freedom
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.38%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.34%
Comparison Rate
6.38%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,111
Go to site
Macquarie Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupier
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.6.08%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.69%
Comparison Rate
6.08%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,902
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Showing 20 of 77 results

How to compare the cheapest home loan rates

You'd think it was as simple as looking at the lowest number in the table, right? Well, it can be. But there are some things to watch out for that could make your cheap home loan…not so cheap.

1. Ok yes, look at the rate

The starting point is to always look at the rate. The lower rate, the lower your repayments.

2. But then look at the fees

Some loans lure you in with a cheap attractive rate, but then you find it piles on a huge fee to apply and another fee to pay each month as well. Your cheap rate now costs you more per month than the slightly higher interest rate with no fees.

3. Then have a little glance at the comparison rate

Comparison rates are normally based on loans of $150,000 so they're not always helpful. But if the comparison rate is much higher than the actual interest rate, you can bet there are other costs driving your repayments up.

4. Don't forget to look at the features

It's all well and good getting a low interest rate but if you're sacrificing access to features that could save you money in the long run, it's not worth it. Take an offset account, for example. Using an offset account will mean you pay down the loan faster because it reduces the amount of interest you need to pay.

The lower the interest rate the lower the repayments

The number one factor in determining a cheaper home loan is a low interest rate.

Let's compare 2 otherwise identical home loans with slightly different interest rates.*

Interest rate7.48%5.69%
Loan amount$625,050$625,050
Loan term30 years30 years
Monthly repayment$4,362$3,624
Monthly savingN/A$738
Annual savingN/A$8,856

As you can see, with the lower interest rate, you save $738 a month – or $8,856 a year.

*We're using the average owner-occupier home loan size from the ABS, the average variable rate loan in Finder's database of the full market and the lowest variable rate.

Calculator
How much can you save with a cheaper home loan?
We calculated this by using our loan repayment calculator. Try it out for yourself and see how much you could save.

What are the lowest home loan rates on the market?

Every month, we analyse the rates in our database to create a list of the market's cheapest loans.

The lowest variable interest rate in Finder's database is 5.38%

The lowest fixed interest rate in Finder's database is 4.99%

The cheapest rates over time.

What are the cheapest home loans at the big 4 in December 2024?

Interest rates can change depending on your circumstances, but as a guide, here are the cheapest home loans from the big 4.

BankCheapest Fixed RateCheapest Variable Rate
ANZ5.74%6.09%
CBA6.04%6.15%
NAB5.89%6.44%
Westpac5.89%6.74%

The cheapest rate from the big 4 (by far!) is from CBA's new digital home loan which launched in May 2024. Even so, it's still a fairly considerable difference from the lowest rate across the market.

Let's do what we do best: compare.

Say you take out a $500,000 loan over 30 years with that 6.15% rate. You'd be paying $3,047 a month in repayments.

But with May's lowest variable rate across the market of 5.69%, you'd only (ha) be paying $2,899. That's a difference of $148 a month, or $1,776 a year.

In case you're interested, your repayments would be $3,190 with NAB's lowest variable rate. That's $291 more a month than the lowest market rate and $3,492 a year!

Your interest rate update

On 5 November the official cash rate was held at:

4.35%

The lowest variable owner-occupier rate on the market is:

5.38%

Assuming the average owner occupier home loan size of $641,143 you would be making monthly repayments of:

$3,718

Richard Whitten's headshot

"I wanted to make sure I have one of the cheapest home loans on the market. So I found an online lender with a consistently low interest rate (I should know, I check rates every month). But I also made the sure the loan had an offset account. For me, being able to build up savings in the offset account speeds up my loan and cuts down my overall interest charges dramatically. This makes the loan much cheaper in the long run."

What to look for in a cheap home loan

At a very basic level, the cheapest home loan is the one with the lowest rate. But every borrower has different needs. So beyond a low rate, you need to get a loan that actually helps you achieve your property goals and financial needs.

Speed

A loan you can pay off asap

Home loans are normally taken out for 30 years. But no one wants to spend the next 30 years making those repayments, right? With most variable rate home loans you can actually make extra repayments. By paying more off your loan than the required monthly repayments, you pay off the loan early and pay less in interest.

Fixed rate loans are less likely to allow extra repayments and will probably charge a break fee if you do repay early.

Puzzle

A loan that matches your strategy

Owner-occupier home loans have the cheapest rates. But they're no good if you're a property investor because you'll need an investment loan.

Most borrowers want a principal and interest loan, but for investors, an interest-only loan offers tax benefits. It's important to understand your strategy early on. You may be someone that will start off as an owner occupier but then move out and use it for investment (if you have taken advantage of first home owner concessions, for example).

Offset

A loan with an offset account

Is it worth going for the cheapest home loan if it doesn't have an offset account?! Well, that's up to you. But considering an offset account could see you paying your loan off early and therefore less in interest, it's a pretty key thing to want to include as part of your loan. An offset account is essentially a bank account attached to your mortgage. Instead of earning interest, it reduces the interest you'll pay.

Let's say you have $100,000 in your offset account and you have a $500,000 loan. You'll only pay interest on $400,000.

You still repay the same amount every month, but this just means more of your repayment goes towards the remaining loan value and not on interest. So you end up finishing the loan faster.

Nicole Pedersen-McKinnon's headshot
Expert insight

"If I had to credit just one thing with helping me repay my home loan in just 7 years, I'd say it was an offset account. This is a debt-busting secret weapon. You should keep every cent to your name in one of these – we're talking your savings for everything, your emergency cash stash and even your salary. You'll likely save tens of thousands of dollars and shave years off your time in debt."

Nicole Pedersen-McKinnon
Freelance finance journalist

3 extra tips to help you save money on your home loan

1. Choose your loan term carefully

Most borrowers choose 30-year loan terms. And spread out over that time, your monthly repayments are as low as possible.

If you picked a shorter loan term your monthly repayments would be higher, but you'd pay off your loan 5 years earlier, saving thousands in interest.

Let's look at 3 examples. These loans are all for the same amount borrowed, but the loan term changes:

Loan term30 years25 years20 years
Interest rate6.00%6.00%6.00%
Loan amount$600,000$600,000$600,000
Monthly repayment$3,598$3,866$4,299
Total cost*$1,295,030$1,159,743$1,031,611

*Total cost here refers to the amount of interest you pay over the life of the loan, plus the principal.

As you can see, a longer loan term means cheaper monthly repayments. But a shorter loan means you pay less interest in the long run, making the whole loan cheaper.

2. Find a loan with lower fees

Some lenders charge multiple loan fees that can add up to hundreds of dollars. But other lenders charge basically no fees at all (you still have to pay government fees like a mortgage registration fee).

If 2 loans have identical interest rates and features, the one with fewer fees will be the cheapest home loan.

3. Save a bigger deposit

Easier said than done, of course. But saving a bigger deposit means borrowing less money. And that instantly makes your home loan cheaper.

It saves you money in other ways too:

  • You can avoid lenders mortgage insurance. If your deposit is at least 20% of your property's value, you can avoid the added expense of lenders mortgage insurance (LMI). Borrowers with smaller deposits usually have to pay this, which can add thousands of dollars to your loan costs.
  • You can unlock lower rates. Many lenders reserve their cheapest interest rate offers for borrowers with a deposit of 20% or more.

Watch: How to find a lower home loan rate

Frequently asked questions about getting a cheap home loan

Rebecca Pike's headshot
John Pidgeon's headshot
To make sure you get accurate and helpful information, this guide has been edited by Rebecca Pike and reviewed by John Pidgeon, a member of Finder's Editorial Review Board.
Richard Whitten's headshot
Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 560 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips

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