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Rates last updated December 11th, 2018.

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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
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
Homestar Finance - Variable Owner Occupier Offer $900 Cashback
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.54% 3.58% $0 $0 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.
3.75% 3.75% $0 $0 p.a. 70% Enquire now 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
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.64% 3.64% $0 $0 p.a. 70% Enquire now More info
Mortgage House Equity Saver Refinancer Special
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
3.54% 3.57% $0 $0 p.a. 80% Enquire now More info
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Up to $750,000 Owner Occupier, P&I)
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
3.85% 3.85% $0 $0 p.a. 80% Enquire now More info
Well Home Loans Balanced Variable - (Owner occupier, P&I)
A very low variable interest rate for borrowers with a 20% deposit. Add a 100% offset account for $10 a month.
3.49% 3.53% $250 $0 p.a. 80% Go to site More info
NAB Base Variable Rate Home Loan - Principal and Interest (limited time special offer for owner occupiers only)
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
3.87% 3.91% $600 $0 p.a. 95% Go to site More info
Macquarie Bank Flyer Home Loan
Earn tens of thousands of Qantas Points to spend on flights, hotels and more with this variable owner occupier mortgage. Competitive variable rate mortgage that requires a 30% deposit.
3.80% 4.05% $0 $0 p.a. 70% Enquire now More info
Aussie Select Basic Variable  - (LVR 80.01% to 90%) (Owner Occupier, P&I)
A flexible, basic mortgage for owner occupiers. Make extra repayments and take advantage of mortgage redraw facilities. Available with a 10% deposit.
3.84% 3.85% $0 $0 p.a. 90% Enquire now More info
Bankwest Complete Home Loan Package Fixed - 2 Year Fixed Rate LVR <90% (Owner Occupier, P&I & $200k+)
Lock in a very competitive 2 year rate and get package discounts on your credit card and offset account. $1,500 cashback available (conditions apply).
3.88% 4.51% $0 $395 p.a. 90% Go to site 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.
3.68% 3.82% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
SCU My Life Variable Rate Home Loan Package - $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% 4.00% $845 $350 p.a. 90% Go to site More info
Mortgage Choice Basic Variable Rate - OO LVR <= 80% ($150k +) P&I Only
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
3.74% 3.74% $0 $0 p.a. 80% Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.87% 3.91% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
Special discounted rate for first home buyers. Start your home buying journey with 2 years of fixed repayments at a competitive rate plus package discounts. Available with a 10% deposit.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
ING Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier with Orange Advantage)
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
3.75% 4.72% $0 $299 p.a. 95% Enquire now More info

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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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