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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 October 18th, 2019.

AMP Professional Package Line of Credit - $750,000 and above (Owner Occupier, IO)

Interest rate decrease by 15 basis points

October 14th, 2019

Hume Bank Flexi Low Rate Home Loan - (Owner Occupier, P&I)

Interest rate decrease by 15 basis points

October 15th, 2019

Hume Bank Intro Package - 2 Year Fixed (Owner Occupier P&I)

Interest rate decrease by 10 basis points

October 15th, 2019

View latest updates

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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.
2.84% 2.80% $0 $0 p.a. 80% Go to site More info
Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
2.99% 3.45% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+
This rate will drop to 2.84% p.a on 29 October 2019 for new and existing customers. Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
2.84% 2.84% $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.
2.94% 2.97% $600 $10 monthly ($120 p.a.) 80% Enquire now 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.
3.31% 3.37% $449 $0 p.a. 90% Go to site More info
Virgin Reward Me Fixed Rate Home Loan - 3 Year $300k+ Special offer (Owner Occupier, P&I)
A competitive fixed rate mortgage available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
2.99% 3.42% $0 $10 monthly ($120 p.a.) 90% Enquire now More info
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
2.88% 3.80% $0 $395 p.a. 80% Go to site More info
Greater Bank Great Rate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
2.79% 3.82% $0 $0 p.a. 90% Go to site More info
Pepper Money Essential Prime Full Doc Home Loan - LVR >75% up to 80%
This is a competitive, flexible variable rate suitable for borrowers with a good credit history. Borrow up to 80%.
3.12% 3.32% $599 $10 monthly ($120 p.a.) 80% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
This flexible, competitive variable rate mortgage comes with a redraw facility. Eligible borrowers can earn Velocity Frequent Flyer Points, plus extra bonus points for a limited time.
3.33% 3.47% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Athena Variable Home Loan - Refinance (Investor, P&I)
Athena offers one of the lowest rates in the market for investors looking to refinance their mortgage. No ongoing fees and no application fee. Principal and interest repayments. Refinancers only.
3.24% 3.20% $0 $0 p.a. 80% Go to site 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.
3.34% 3.78% $0 $395 p.a. 80% Go to site More info
HSBC Home Value Loan - Promotional Offer (*now 3.17%, drops to 3.02% on 21 Oct), Owner Occupier P&I
This rate is effective from 21 October for all HSBC customers. 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.
3.02% 3.04% $0 $0 p.a. 90% Go to site More info
Beyond Bank Total Home Loan Package - Variable LVR ≤80% (Owner Occupier, P&I)
A low rate variable mortgage for home buyers. Comes with a 100% offset account and has no application fee.
3.29% 3.70% $0 $395 p.a. 80% 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.
2.84% 2.97% $600 $10 monthly ($120 p.a.) 70% Enquire now More info
UBank UHomeLoan Variable Rate - Discount Offer for Investors (*now 3.49%, drops to 3.24% on 29 Oct), P&I
This rate will drop to 3.24% p.a on 29 October 2019 for new and existing customers. Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.24% 3.24% $0 $0 p.a. 80% Go to site More info
3.39% 4.29% $600 $395 p.a. 95% Go to site More info
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online.
2.84% 3.53% $449 $6 monthly ($72 p.a.) 90% Go to site More info
Community First Fixed Home Loan - 1 Year Fixed New Money offer (Owner Occupier, P&I)
Lock in a competitive interest rate for 1 year and pay no ongoing fees. Available with just a 5% deposit and includes a 100% offset account.
3.15% 4.16% $600 $0 p.a. 95% Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Owner Occupier, P&I)
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
2.74% 3.61% $395 $0 p.a. 80% Go to site 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

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.

Logo for Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)

Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.

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8 Responses

  1. Default Gravatar
    CirceApril 30, 2017

    Will the rates change in 4 weeks?

    • Avatarfinder Customer Care
      DeeApril 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?

    • Avatarfinder Customer Care
      DeeMay 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?

    • Avatarfinder Customer Care
      DeeMay 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??

    • Avatarfinder 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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