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Compare today's home loan rates

Rates last updated February 27th, 2020.

Greater Bank Great Rate Home Loan - Discounted 3 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Interest rate decrease by 8 basis points

January 30th, 2020

Greater Bank Great Rate Home Loan - Discounted 2 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Interest rate decrease by 8 basis points

January 30th, 2020

Athena Variable Home Loan - Owner Occupier, P&I

Interest rate decrease by 25 basis points

February 4th, 2020

View latest updates

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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
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.
2.84% 2.84% $0 $0 p.a. 80% Go to site More info
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.99% 3.01% $500 (waived for loans above $150,000) $0 p.a. 80% Go to site More info
Athena Variable Home Loan - Owner Occupier, P&I
Owner occupiers can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees.
2.84% 2.80% $0 $0 p.a. 80% Go to site More info
Bank of Melbourne Basic Home Loan - Special Offer (Owner Occupiers, P&I) LVR above 60% up to 80%
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.99% 3.01% $500 (waived for loans above $150,000) $0 p.a. 80% Go to site More info
loans.com.au Smart Home Loan - LVR <=75% (Owner Occupier, P&I)
A competitive interest rate for borrowers with 25% deposits saved. Unlimited redraw and extra repayments, plus no ongoing fees.
2.78% 2.80% $0 $0 p.a. 75% Go to site More info
BankSA Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.99% 3.01% $500 (waived for loans above $150,000) $0 p.a. 90% Go to site More info
Bankwest Complete Home Loan Package Variable - $200k+ LVR <=80% (Owner Occupier, P&I)
A low variable rate loan with a 100% offset account and package discounts.
3.05% 3.50% $0 $395 p.a. 80% Go to site More info
loans.com.au Smart Home Loan - (Owner Occupier, P&I)
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
2.88% 2.90% $0 $0 p.a. 80% Go to site More info
St.George Fixed Rate Advantage Package - 2 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.89% 3.77% $0 $395 p.a. 80% Go to site More info
Well Home Loans Balanced Variable - Special (Owner occupier, P&I)
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee.
2.72% 2.75% $250 $0 p.a. 80% Go to site More info
Bank of Melbourne Advantage Package Fixed Home Loan - 2 Year Fixed (Owner Occupier, P&I) LVR above 60% up to 80% New customers
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.89% 3.77% $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.
3.09% 3.09% $0 $0 p.a. 70% Enquire now More info
BankSA Advantage Package Fixed Home Loan - 2 Year Fixed (Owner Occupier, P&I)
Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.89% 3.81% $0 $395 p.a. 80% Go to site More info
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, QLD and ACT only.
3.33% 3.34% $0 $0 p.a. 110% Go to site More info
Homestar Star Essentials Home Loan - $150K to $850K LVR up to 80% (Owner Occupier, P&I)
A low rate variable mortgage with minimal fees and redraw facility. Requires a 20% deposit. For every complete application Homestar will donate $250 to select charities to help bushfire victims.
2.74% 2.77% $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. This loan is not available for construction.
2.90% 2.92% $0 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Get one of the lowest fixed mortgage rates on the market plus a 100% offset account. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
2.79% 4.04% $0 $395 p.a. 90% 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% 3.38% $395 $0 p.a. 80% Go to site More info
Gateway Bank Low Rate Essentials Variable Rate Home Loan - Special offer LVR up to 80% and over $500k (Owner Occupier, P&I)
A competitive, flexible variable rate mortgage for home buyers borrowing above $500,000. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.
3.01% 3.04% $0 $0 p.a. 80% Go to site More info
Well Home Loans Balanced Variable - (Owner occupier, P&I)
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month.
2.92% 2.96% $250 $0 p.a. 90% Go to site More info

PROPERTY NEWS

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Home Loan Offers

Important Information*
Logo for Athena Variable Home Loan - Owner Occupier, P&I
Athena Variable Home Loan - Owner Occupier, P&I

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

Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
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 2.84% p.a. and a 2.84% p.a. comparison rate.

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

A competitive interest rate home loan with interest only options. Interest rate 3.04% p.a.
comp rate of 3.06% p.a.

Logo for loans.com.au Smart Home Loan - (Owner Occupier, P&I)
loans.com.au Smart Home Loan - (Owner Occupier, P&I)

Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.

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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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