| | |
1.84%
|
3.38%
|
$0
|
$395 p.a.
|
80%
|
$543.64
| | Up to $4,000 refinance cashback
Borrowers with 20% deposits or equity can get this competitive fixed rate loan. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.29%
|
2.72%
|
$0
|
$8 monthly ($96 p.a.)
|
95%
|
$577.55
| | Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply. | | |
| | |
1.75%
|
2.22%
|
$0
|
$0 p.a.
|
80%
|
$537
| | This very low fixed rate is only available until 29 April 2021. Other conditions apply. A competitive fixed rate loan with no ongoing fees. Requires a 20% deposit
| | |
| | |
1.88%
|
2.86%
|
$0
|
$390 p.a.
|
80%
|
$546.6
| | $3,288 refinance cashback offer
Lock in a low fixed rate for 2 years and buy your home with a 20% deposit. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply. | | |
| | |
1.89%
|
2.85%
|
$0
|
$0 p.a.
|
80%
|
$547.35
| |
Lock in a low fixed rate loan for two years and get the annual package fee waived in the first year. Available for borrowers with 20% deposits.
| | |
| | |
2.19%
|
2.19%
|
$0
|
$0 p.a.
|
60%
|
$569.91
| |
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
| | |
| | |
1.99%
|
3.1%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Get a low fixed rate package with no application or settlement fee. Available with a 20% deposit. Other fees and charges apply.
| | |
| | |
1.99%
|
2.47%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Home buyers can get a very low discounted variable rate for the first year. This loan has a revert rate of 2.48%. Requires a 20% deposit. Add an offset account for an additional 0.10% on your interest rate. | | |
| | |
1.89%
|
3.46%
|
$0
|
$395 p.a.
|
95%
|
$547.35
| | Up to $3,000 refinance cashback.
Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply. | | |
| | |
2.09%
|
2.43%
|
$0
|
$0 p.a.
|
70%
|
$562.33
| |
Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Requires a 30% deposit. Refinancers can switch with a convenient digital application.
| | |
| | |
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
80%
|
$593.01
| | Up to $4,000 refinance cashback
Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Borrow from $150k (or $250k to be eligible for the cashback offer) (terms, conditions & exclusions apply).
| | |
| | |
1.89%
|
2.18%
|
$250
|
$0 p.a.
|
90%
|
$547.35
| |
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.
| | |
| | |
2.34%
|
2.34%
|
$0
|
$0 p.a.
|
80%
|
$581.39
| |
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
| | |
| | |
2.44%
|
2.45%
|
$0
|
$0 p.a.
|
80%
|
$589.12
| | $3,288 refinance cashback offer
Get a low interest variable rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. If you're refinancing $250,000 or above you can get a $3,288 cashback. Terms and conditions apply. | | |
| | |
1.99%
|
2.33%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
| | |
| | |
2.14%
|
2.16%
|
$0
|
$0 p.a.
|
60%
|
$566.11
| |
A competitive rate with no application or ongoing fees. This loan is not available for construction.
| | |
| | |
2.15%
|
2.62%
|
$250
|
$250 p.a.
|
80%
|
$566.87
| | $2,000 cashback offer
A competitive fixed rate loan from an online-only smart bank. Requires a 20% deposit. Eligible new borrowers and refinancers can get a $2,000 cashback for a limited time. | | |
| | |
1.69%
|
3.49%
|
$0
|
$0 p.a.
|
110%
|
$532.6
| | Requires a family member to act as guarantor.
Get one of the lowest rates on the market with this fixed rate mortgage and borrow more with help from a family guarantor. NSW, QLD and ACT residents only. | | |
| | |
2.49%
|
2.49%
|
$0
|
$0 p.a.
|
60%
|
$593.01
| |
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit. Refinancers can switch with a convenient digital application.
| | |
| | |
1.99%
|
3.33%
|
$0
|
$395 p.a.
|
80%
|
$554.81
| |
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
| | |
| | |
2.44%
|
2.45%
|
$0
|
$0 p.a.
|
80%
|
$589.12
| |
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
| | |
| | |
2.19%
|
2.2%
|
$0
|
$0 p.a.
|
60%
|
$569.91
| |
Get flexibility and the option to make unlimited extra repayments with this variable rate loan.
| | |
| | |
1.97%
|
2.81%
|
$449
|
$6 monthly ($72 p.a.)
|
95%
|
$553.31
| | NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online. Available with a 10% deposit.
| | |
| | |
2.17%
|
2.2%
|
$250
|
$0 p.a.
|
80%
|
$568.39
| |
A very low interest rate for home buyers with 20% deposits saved. Add an offset account for a small fee.
| | |
| | |
2.04%
|
2.79%
|
$300
|
$10 monthly ($120 p.a.)
|
80%
|
$558.56
| | $3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 27 February 2021 and settle by 27 August 2021. | | |
| | |
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
80%
|
$593.01
| | Up to $4,000 refinance cashback
A competitive variable rate loan. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.95%
|
2.17%
|
$250
|
$0 p.a.
|
90%
|
$551.82
| |
A low fixed mortgage with an optional 100% offset account. Not available for construction purposes. | | |
| | |
2.24%
|
2.26%
|
$0
|
$0 p.a.
|
90%
|
$573.72
| |
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.
| | |
| | |
2.49%
|
2.51%
|
$0
|
$0 p.a.
|
80%
|
$593.01
| | Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.94%
|
3.21%
|
$0
|
$395 p.a.
|
80%
|
$551.07
| | Up to $4,000 refinance cashback
Lock in a low fixed rate loan for four years. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.35%
|
2.4%
|
$600
|
$0 p.a.
|
95%
|
$582.16
| |
Home buyers can get a competitive, low-fee variable rate plus a 100% offset account. Low deposit option available. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs. Eligible refinancers can get a $2,000 pre-paid credit card when they switch to CUA. | | |
| | |
1.99%
|
3.29%
|
$0
|
$395 p.a.
|
95%
|
$554.81
| | Up to $3,000 refinance cashback. Lock in a very low rate for four years with this owner occupier loan. Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply. | | |
| | |
1.89%
|
3.43%
|
$0
|
$395 p.a.
|
80%
|
$547.35
| | Up to $4,000 refinance cashback.
Fix to a low rate for two years and forget about rate rises. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.84%
|
3.38%
|
$0
|
$395 p.a.
|
80%
|
$543.64
| | Up to $4,000 refinance cashback
Get a competitive home loan rate for two years. Requires at least a 20% deposit. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
1.99%
|
2.7%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
Home buyers can lock in this low fixed rate for two years. This loan also allows extra repayments. Requires a 20% deposit.
| | |
| | |
1.99%
|
3.26%
|
$0
|
$395 p.a.
| |
$554.81
| | Up to $4,000 refinance cashback
A competitive fixed rate loan. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.19%
|
4.23%
|
$600
|
$8 monthly ($96 p.a.)
|
95%
|
$569.91
| |
Get a partial offset account and the option to make interest-only repayments.
| | |
| | |
1.94%
|
3.21%
|
$0
|
$395 p.a.
|
80%
|
$551.07
| | Up to $4,000 refinance cashback
Lock in a very low rate for four years. Requires a 20% deposit. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.24%
|
2.21%
|
$0
|
$0 p.a.
|
70%
|
$573.72
| |
A low variable rate for owner occupiers with 30% deposits. No upfront or ongoing fees.
| | |
| | |
2.28%
|
3.84%
|
$0
|
$395 p.a.
|
95%
|
$576.78
| | $2,000 refinance cashback
Enjoy a competitive rate with no application fee for this package loan. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.09%
|
3.27%
|
$0
|
$395 p.a.
|
80%
|
$562.33
| |
Get a low 3 year fixed rate with a 100% offset account and package discounts.
| | |
| | |
2.59%
|
2.6%
|
$0
|
$0 p.a.
|
110%
|
$600.83
| |
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. | | |
| | |
2.58%
|
2.64%
|
$449
|
$0 p.a.
|
80%
|
$600.05
| |
A competitive variable rate for borrowers with 20% deposits saved. Available for NSW and ACT borrowers only. | | |
| | |
2.29%
|
2.29%
|
$250
|
$0 p.a.
|
90%
|
$577.55
| |
A competitive 3 year investor rate with principal and interest repayments. Optional offset account with a $10 monthly fee. Not available for construction purposes. | | |
| | |
2.69%
|
2.52%
|
$0
|
$0 p.a.
|
80%
|
$608.71
| |
A competitive rate with no application or ongoing fee. This loan is not available for construction.
| | |
| | |
2.58%
|
2.6%
|
$0
|
$0 p.a.
|
80%
|
$600.05
| |
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
| | |
| | |
2.14%
|
2.35%
|
$0
|
$0 p.a.
|
80%
|
$566.11
| |
A one year fixed rate offer with no ongoing bank fees.
| | |
| | |
2.59%
|
2.64%
|
$600
|
$0 p.a.
|
80%
|
$600.83
| | Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
| | |
| | |
2.14%
|
2.71%
|
$0
|
$0 p.a.
|
80%
|
$566.11
| |
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
| | |
| | |
2.64%
|
4.65%
|
$0
|
$0 p.a.
|
80%
|
$604.76
| |
Lock in a competitive rate for 2 years, unlock package discounts and use a 100% offset account to minimise interest payments.
| | |
| | |
2.39%
|
3.15%
|
$0
|
$350 p.a.
|
95%
|
$585.25
| |
Get a partial offset account and flexible repayments with this package loan.
| | |
| | |
2.49%
|
2.76%
|
$0
|
$0 p.a.
|
60%
|
$593.01
| |
A sharp variable rate with low fees for borrowers with 40% deposits or refinancers with equity in their properties. Refinancers can switch with a convenient digital application.
| | |
| | |
1.89%
|
2.15%
|
$0
|
$0 p.a.
|
90%
|
$547.35
| |
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.
| | |
| | |
1.99%
|
2.71%
|
$0
|
$0 p.a.
|
80%
|
$554.81
| |
If you have an owner occupier loan with loans.com.au you can also get this very low rate variable mortgage for your investment property. Principal and interest repayments. Add an offset account for an additional 0.10% on your interest rate. | | |
| | |
2.59%
|
2.63%
|
$595
|
$0 p.a.
|
80%
|
$600.83
| | $2,000 refinance cashback
$2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.54%
|
2.56%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| | $2,000 cashback.
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get a $2,000 cashback (terms, conditions & exclusions apply)
| | |
| | |
2.19%
|
2.53%
|
$0
|
$0 p.a.
|
80%
|
$569.91
| |
Borrow up to $750,000 with this basic 3 years fixed rate home loan. Refinancers can switch with a convenient digital application.
| | |
| | |
2.04%
|
2.17%
|
$250
|
$0 p.a.
|
90%
|
$558.56
| |
A low 3 year fixed rate for home buyers. Add a 100% offset account with a $10 monthly fee. Not available for construction purposes. | | |
| | |
2.68%
|
2.74%
|
$449
|
$0 p.a.
|
95%
|
$607.92
| | NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
| | |
| | |
2.59%
|
2.61%
|
$0
|
$0 p.a.
|
90%
|
$600.83
| |
Save on interest with a free 100% offset account and buy your property with just a 10% deposit. This loan is not available for construction.
| | |
| | |
2.54%
|
2.56%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| | $2,000 cashback
A competitive variable rate loan. Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply). | | |
| | |
2.52%
|
2.55%
|
$250
|
$0 p.a.
|
90%
|
$595.35
| |
A very low variable interest rate for borrowers with a 10% deposit. Add a 100% offset account for $10 a month. Not available for construction purposes. | | |
| | |
2.59%
|
2.76%
|
$300
|
$10 monthly ($120 p.a.)
|
60%
|
$600.83
| | $3,000 refinance cashback.
A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 27 February 2021 and settle by 27 August 2021. | | |
| | |
2.54%
|
2.54%
|
$0
|
$0 p.a.
|
60%
|
$596.91
| |
Investors with large 40% deposits or equity can get this low variable rate. A competitive option for investors looking to refinance.
| | |
| | |
2.74%
|
2.74%
|
$0
|
$0 p.a.
|
80%
|
$612.67
| |
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
| | |
| | |
2.19%
|
3.72%
|
$0
|
$395 p.a.
|
95%
|
$569.91
| | $2,000 refinance cashback
Enjoy a discounted fixed rate and the ability to package the loan with other financial products. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.59%
|
2.56%
|
$0
|
$0 p.a.
|
70%
|
$600.83
| |
Athena's refinance offer for investors and owner occupiers.
| | |
| | |
2.29%
|
4.31%
|
$595
|
$0 p.a.
|
95%
|
$577.55
| | $2,000 refinance cashback
Borrow up to 95% LVR of the value of the property you're buying and pay no ongoing fees. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.09%
|
2.6%
|
$0
|
$0 p.a.
|
80%
|
$562.33
| |
Pay no ongoing fees on this competitive investment loan and fix your rate for 3 years.
| | |
| | |
2.59%
|
3.05%
|
$0
|
$395 p.a.
|
80%
|
$600.83
| | $2,000 cashback offer
A competitive variable rate package home loan with a 100% offset account. Eligible refinancers can get a $2,000 cashback. | | |
| | |
2.38%
|
3.72%
|
$595
|
$0 p.a.
|
90%
|
$584.48
| | $2,000 refinance cashback
Competitive fixed rate for home buyers.Available with a 10% deposit.$2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.64%
|
2.59%
|
$0
|
$0 p.a.
|
80%
|
$604.76
| |
A competitive investor variable rate that falls as you build equity.
| | |
| | |
2.94%
|
3.34%
|
$0
|
$395 p.a.
|
95%
|
$628.65
| | $2,000 refinance cashback
New borrowers or refinancers can get a discounted rate with this package loan. $2,000 cashback for eligible refinancers borrowing $250,000 or more. | | |
| | |
2.54%
|
2.55%
|
$0
|
$0 p.a.
|
90%
|
$596.91
| |
A competitive value home loan with no ongoing fee.
| | |
| | |
2.24%
|
2.64%
|
$0
|
$0 p.a.
|
80%
|
$573.72
| |
Pay no ongoing fees on this investment loan fixed for 3 years.
| | |
| | |
2.64%
|
2.64%
|
$0
|
$0 p.a.
|
80%
|
$604.76
| |
Pay no application and ongoing fees and take advantage of split and redraw options. Refinancers can switch with a convenient digital application.
| | |
| | |
2.09%
|
2.3%
|
$0
|
$0 p.a.
|
80%
|
$562.33
| |
A competitive 3 year fixed rate with no ongoing bank fees.
| | |
Hi, I just want to ask that I want to buy a house and how your company works. I just need detail.
Hi Amish,
Thanks for reaching out to Finder.
We are a product comparison website and general information service. If you are looking at buying a property in Australia, check our home buying guide to know the steps in buying a house as well as know your options to get funding. You can also check our tips on how to negotiate buying a house as well as the costs of buying a property.
If you need a loan, you may refer to our list of home loans. You can use our comparison table to help you find the lender that suits you. You can also speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.
Hope this was helpful.
Cheers,
Nikki
I have $140,000 savings. Im a single person with no dependants and want to use my savings plus a $120,000 loan to buy property. My annual income is $45,000 with no loans debts or credit cards . Can I borrow the $120,000 and what would be monthly repayments?
Hi Kate,
Thanks for your enquiry.
Please note that each lender will have different eligibility criteria that you will need to meet to qualify for one of their home loans but ultimately they will review your ability to service the mortgage by reviewing your income, assets, and any existing debts you have against your name.
You can use our home loan repayment calculator to estimate what your repayments would be and you can also compare a range of home loans in the comparison table to find one that suits your needs.
I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.
Thanks,
Belinda
Hi, we are looking at consolidating our debt’s 22k into our mortgage, 50k left on it, are many lenders keen to refinance to consolidate?
Hi Annie,
Thanks for the question.
There are many lenders who allow you to refinance your home loan to consolidate debt. Before doing so, you may talk to a mortgage broker to begin a free discussion. The page also provides a list of lenders that offer refinancing debt consolidation loans.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Marc
I borrowed 45,000 how much taxes will I have to pay
Hi Heidi,
Thank you for reaching out to finder.com.au, a financial comparison website.
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Jodie
Hi , just a question and hope you can help. My partner was advised today from the broker who applied to liberty for a non genuine savings loan that they would only offer him a loan on a high interest rate due to his bank statements having late payments which can be explained ,I believe everything else was all good ,he is a first home buyer but isn’t applying due to myself being linked to him and as i have previously purchased he wont qualify. He is fifo and full time just over probation but same for max 6 yrs and has , his credit history is clear but did go bankrupt in 96 but has just reason if need be. It would be with great appreciation if you could assist .
Thank you
Julie and Alan
Hi Julie,
Thanks for the question.
I’d recommend contacting another mortgage broker with a large panel of lenders. If a mortgage broker doesn’t have a large panel of lenders to choose from, it may result in you not getting the best loan for you.
Be aware too that if you apply for too many home loans in one space in time it may be hard for you to qualify for further home loans.
I hope this helps,
Marc