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eChoice is an award-winning broker with over 18 years of experience, and has helped more than 50,000 Australians to find the right home loan.

  • Completely free, expert home loan advice.
  • Offers a suite of digital tools to make you a smarter borrower.
  • Calculate your borrowing power with a free personalised home loan report.

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Find out what your repayments will be in a few seconds

Unfortunately this product is not offered through one of our partners, but you can speak to a broker, compare other home loans or read today's property news below

Compare today's home loan rates

Rates last updated February 16th, 2019.

Macquarie Bank Basic Home Loan - LVR ≤ 80% (Owner Occupier, P&I)

Interest rate increased by 0.01%

February 8th, 2019

Macquarie Bank Offset Home Loan - LVR ≤ 70% (Owner Occupier, P&I)

Interest rate increases by 0.06%

February 8th, 2019

Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)

Interest rate increases by 0.06%

February 8th, 2019

View latest updates

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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - (Owner Occupier P&I)
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% 3.61% $0 $0 p.a. 90% Go to site More info
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.59% 3.59% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.
3.57% 3.58% $0 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.49% 4.58% $0 $395 p.a. 90% Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)
NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.
3.69% 3.72% $445 $0 p.a. 90% Go to site More info
Homestar Finance - Variable Owner Occupier Offer $700 Refinance Cashback
Refinancers can get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $700 refinance cashback offer.
3.54% 3.58% $0 $0 p.a. 80% Go to site More info
Mortgage House Advantage Home Loan - 80 (PAYG Essentials)
A competitive variable rate for home buyers with a 20% deposit. This product has a 100% offset account.
3.54% 3.69% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
SCU My Life Variable Rate Home Loan - $150,000+ (Owner Occupier, P&I)
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
3.59% 3.63% $0 $0 p.a. 90% Go to site More info
Mortgage House Advantage Home Loan - 70 (PAYG Essentials)
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.
3.49% 3.64% $0 $10 monthly ($120 p.a.) 70% Enquire now More info
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.70% 3.70% $0 $0 p.a. 70% Enquire now More info
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.87% 4.30% $0 $395 p.a. 80% Go to site More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.81% 3.81% $0 $0 p.a. 70% Enquire now More info
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I)
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.58% 3.60% $0 $0 p.a. 80% Go to site More info
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR < 90% Owner Occupier, P&I, NSW and ACT borrowers only)
NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.
3.74% 4.49% $445 $6 monthly ($72 p.a.) 90% Go to site More info
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Owner Occupier, P&I)
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
3.86% 3.86% $0 $0 p.a. 80% Enquire now More info
Easy Street Standard Variable Special Home Loan
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
3.59% 3.62% $500 $0 p.a. 95% Go to site More info
Mortgage House Advantage Home Loan (Special) 2 Year Fixed
A low fixed rate mortgage for borrowers with a 30% deposit. Comes with a 100% offset account.
3.69% 3.85% $0 $10 monthly ($120 p.a.) 70% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
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.
3.73% 3.87% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
eChoice Logo

Enter your details below to receive an obligation-free quote from an eChoice home loans expert today

Are you currently employed?

Have you found a property yet?

eChoice is an award-winning broker with over 18 years of experience, and has helped more than 50,000 Australians to find the right home loan.

  • Completely free, expert home loan advice.
  • Offers a suite of digital tools to make you a smarter borrower.
  • Calculate your borrowing power with a free personalised home loan report.

eChoice Lender Logos

Technology Platform of the Year 2016

Australian Broking Awards

PROPERTY NEWS

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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

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.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

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8 Responses

  1. Default Gravatar
    April 30, 2017

    Will the rates change in 4 weeks?

    • finder Customer Care
      LouApril 30, 2017Staff

      Hi Circe,

      Thanks for your question.

      Kindly note that variable rate mortgages move up and down in accordance with market changes. With that, we cannot ascertain if the rates will change or not in the next 4 weeks.

      You may want to fill-out the form above if you want to get in touch with a mortgage broker who can give you advice when it comes to mortgages in relation to rate changes.

      Cheers,
      Anndy

  2. Default Gravatar
    CirceApril 29, 2017

    I have 4 weeks left on my fixed rate contract , I am signing up for another 3 year fixed contract, shall I pay a break of contract fee to secure the going rate? Or will there be no increase in the next 4 weeks?

    • finder Customer Care
      LouMay 3, 2017Staff

      Hi Circe,

      Thanks for your question.

      Generally, break fees apply when you are switching to a different loan product, making extra loan repayment, or repaying the loan in full before the end of the fixed rate period. If your fixed rate contract naturally ended, there is no break cost involved.

      In regards to securing the going rate, we can’t tell for sure if you can still get the same rate or if there will be changes in the rate in the next 4 weeks. You may have to directly contact your current lender to enquire about this.

      Cheers,
      Anndy

  3. Default Gravatar
    NotApril 27, 2017

    I’m wanting to buy a property that is 10ha (25ac) with a house. The zoning is FZ. However i only have approx 15% deposit. Now this size property is no where near enough to generate a mortgage paying income. We want it because the kids ride dirtbikes and i love gardening, not to generate income. So which lender would be ameniable to such a lower lvi?

    • finder Customer Care
      LouMay 7, 2017Staff

      Hi there,

      Thanks for your question.

      If you are looking to purchase a land for hobby farming, you may compare your home loan options on this page.

      You may also consider getting in touch with a mortgage broker who can give expert advice and help you find a suitable home loan option for your situation.

      Cheers,
      Anndy

  4. Default Gravatar
    BrisbaneMarch 25, 2015

    I want to take out a mortgage with St George at 65% LTV with 20% of the loan at SVR and 80% at a 3 year fixed. If I then pay off the SVR component completely after 3 months will there be any penalty??

    • finder Customer Care
      ShirleyMarch 25, 2015Staff

      Hi Brisbane Buyer,

      Thanks for your question.

      This will depend on the home loan that you apply for with St.George. If it’s a variable rate loan, there are generally no fees payable for early repayments.

      If you would like to discuss your eligibility or options, please get in touch with St.George directly.

      Cheers,
      Shirley

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