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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.

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  • 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

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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)
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
3.59% 3.57% $0 $0 p.a. 80% 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
Bank of Queensland Fixed Rate Home Loan - 2 Year Fixed Rate Discount Rate $150k+ <80% LVR (Owner Occupier, P&I)
Home buyers can lock in a very competitive fixed interest rate for 2 years.
3.59% 4.54% $300 $10 monthly ($120 p.a.) 90% Enquire now More info
ING Mortgage Simplifier Home Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
This low, variable rate loan has no ongoing fees and a redraw facility. Requires a 20% deposit.
3.80% 3.82% $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 pay no application, settlement or valuation fees. Apply online for full approval in real time and add a 100% offset account for $10 a month. $1,000 cashback offer.
3.57% 3.58% $0 $0 p.a. 90% Go to site More info
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate (Owner Occupier, P&I)
Lock in a competitive rate for owner occupiers for two years. Extra repayments up to $30,000 over the life of the fixed period can be made.
3.74% 4.31% $0 $395 p.a. 80% Go to site More info
Macquarie Bank Basic Fixed Home Loan - 3 Year Fixed Rate LVR ≤ 70% (Owner Occupier, P&I)
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit.
3.69% 3.78% $0 $0 p.a. 70% Enquire now More info
Bank of Queensland Fixed Rate Home Loan - 1 Year Fixed Rate Discount Rate $150k+ (Owner Occupier, P&I)
Low fixed rate loan for home buyers. Available with a 10% deposit. 100% offset account attached.
3.64% 4.63% $300 $10 monthly ($120 p.a.) 90% Enquire now More info
Hume Bank Flexi Low Rate Home Loan - (Owner Occupier, P&I)
Competitive, flexible rate mortgage with simple features and low fees. Low deposit option available. VIC state wide only
3.79% 3.79% $0 $0 p.a. 95% Go to site More info
Beyond Bank Low Rate Special Home Loan - LVR ≤ 80% (Owner Occupier)
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
3.79% 3.79% $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.
3.87% 4.30% $0 $395 p.a. 80% Go to site More info
ING Orange Advantage Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
3.85% 4.17% $0 $299 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. 90% Go to site More info
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier, P&I) New Customers Only
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
3.67% 3.69% $600 $0 p.a. 80% Go to site More info
ING Orange Advantage Loan - $150k to $500k (LVR <=80% Investor, P&I)
Investors can enjoy a 100% offset account, a redraw facility and flexible repayments.
4.09% 4.41% $0 $299 p.a. 80% Go to site More info
RACQ Bank Mortgage Saver Special Home Loan
A low deposit mortgage with a competitive rate and plenty of flexibility. QLD residents only. Eligible borrowers can get a 15% discount on home and contents insurance for the life of their loan.
3.69% 3.69% $0 $0 p.a. 95% Go to site More info
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.97% 3.99% $0 $0 p.a. 80% Go to site More info
Athena Variable Home Loan - Refinance (Investor, P&I)
A competitive variable mortgage for investors looking to refinance. Principal and interest repayments. Refinancers only.
3.99% 3.98% $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
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
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.

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

Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.

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.

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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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