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Compare today's home loan rates

Rates last updated April 20th, 2018.

IMB Essentials Home Loan - LVR <=80 (Investor Only, P&I)

Interest rate decreased by 0.20%

March 20th, 2018

Bankwest Complete Home Loan Package Variable - LVR <=90% (Owner Occupier, P&I)

Interest rate decreased by 0.29%

March 22nd, 2018

RACQ Mortgage Saver Special Home Loan

Interest rate is now 3.62%

April 5th, 2018

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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
loans.com.au Essentials - Variable (Owner Occupier, P&I)
Pay no ongoing fees and enjoy a flexible repayment schedule, including the ability to make unlimited additional repayments without penalty.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
HSBC Home Value Loan - Resident Owner Occupier only, P&I
Borrow up to 90% of the value of your property and pay no ongoing fees with this loan from a leading international bank.
3.59% 3.60% $0 $0 p.a. 90% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Loans over $150k get a discount off an already low fixed rate. Available for NSW, Qld and ACT residents only.
3.49% 4.49% $0 $395 p.a. 90% Go to site More info
NAB Base Variable Rate Home Loan - Owner Occupier (P&I)
Variable rate home loan from one of the big 4 banks. Available with just a 5% deposit.
3.69% 3.73% $600 $0 p.a. 95% Enquire now More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I)
Get a special discount for a limited time when you open an IMB Transaction Account. Face-to-face consultations available in NSW and ACT.
3.69% 3.69% $0 $0 p.a. 90% Go to site More info
UBank UHomeLoan Variable Rate - Discounted Rate — borrowing between $200,000 and less than $700,000 (Owner Occupier, P&I)
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).
3.69% 3.69% $0 $0 p.a. 80% Go to site More info
St.George Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
This variable rate loan offers flexible repayments and a redraw facility. Available with a 5% deposit.
3.68% 3.69% $0 $0 p.a. 95% Enquire now More info
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.58% 3.58% $0 $0 p.a. 70% Enquire now More info
CUA Advance Variable Home Loan - Owner Occupier, P&I
Offset up to $50,000 of the combined balances of your CUA Everyday Accounts and save on interest.
3.65% 3.66% $0 $0 p.a. 90% Go to site More info
Mortgage House Advantage Variable Home Loan - 80 (PAYG Special No Offset)
A mortgage with a competitive variable rate, limited fees and plenty of flexibility.
3.64% 3.67% $0 $0 p.a. 80% Enquire now More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Go from application to approval in as little as 20 minutes with a variable rate loan from this innovative online lender. Add a 100% offset account for $10 a month.
3.52% 3.53% $0 $0 p.a. 80% Go to site 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.
3.64% 3.67% $0 $0 p.a. 80% Go to site More info
Reduce Rate Buster High Lend Variable Home Loan
Get a competitive variable rate with low fees. Add a 100% offset account for $10 a month. Available with a 10% deposit.
3.49% 3.49% $0 $0 p.a. 90% Enquire now More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years $300k+ Special offer (Owner Occupier, P&I)
Get Virgin Velocity Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.87% 3.87% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
Mortgage House Advantage Variable Home Loan - LVR 80% (Owner Occupier, with Offset)
Get a 100% offset account to save on interest charges, and pay no application fee.
3.68% 3.83% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Easy Street Standard Variable Special Home Loan
A loan that combines a competitive rate with a 100% offset account.
3.49% 3.52% $500 $0 p.a. 95% Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)
New borrowers or refinancers from another lender get a discounted rate with this package loan.
3.64% 4.03% $0 $395 p.a. 80% Go to site More info
Homestar Finance Variable Rate Home Loan - Owner Occupier ($1200 cashback)
Eligible borrowers can get $1,200 cashback on this loan with a 100% offset account and a redraw facility.
3.54% 3.58% $0 $0 p.a. 80% Go to site More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
3.72% 3.74% $0 $0 p.a. 80% Go to site More info
RACQ Mortgage Saver Special Home Loan
Free home and contents insurance for 1 year. Terms and conditions apply. QLD residents only.
3.62% 3.62% $0 $0 p.a. 95% Go to site More info
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Home Loan Offers

Important Information*
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

Go from application to approval in as little as 20 minutes with a variable rate loan from this innovative online lender. Add a 100% offset account for $10 a month.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special

Start your home buying journey with 2 years of fixed repayments and a reasonable rate from a big 4 bank. Available with a 10% deposit.

UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupied Variable P&I Rate — borrowing $700,000 or more

Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).

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8 Responses

  1. Default Gravatar
    April 30, 2017

    Will the rates change in 4 weeks?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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??

    • Staff
      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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