|
|
|
3.59%
|
3.59%
|
$0
|
$0 p.a.
|
80%
|
|
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
|
|
|
|
|
|
|
3.64%
|
3.66%
|
$0
|
$0 p.a.
|
90%
|
|
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.
|
|
|
|
|
|
|
3.64%
|
3.65%
|
$0
|
$0 p.a.
|
80%
|
|
Get a very low interest rate and pay fewer fees. Enjoy a fast online application process and add a 100% offset account for $10 a month.
|
|
|
|
|
|
|
3.64%
|
3.66%
|
$0
|
$0 p.a.
|
80%
|
|
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2 million from a convenient online lender.
|
|
|
|
|
|
|
3.68%
|
3.82%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
Get double Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
|
|
|
|
|
|
|
3.65%
|
3.66%
|
$0
|
$0 p.a.
|
90%
|
|
Competitive interest rate and low fees. Available with a 10% deposit. Partial offset account attached (offset up to $15,000).
|
|
|
|
|
|
|
3.54%
|
3.57%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable interest rate product aimed at refinancers looking to switch to a lower rate.
|
|
|
|
|
|
|
3.79%
|
3.80%
|
$0
|
$0 p.a.
|
90%
|
|
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.
|
|
|
|
|
|
|
3.49%
|
4.57%
|
$0
|
$395 p.a.
|
90%
|
|
Loans over $150k get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
|
|
|
|
|
|
|
3.87%
|
3.91%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
|
|
|
|
|
|
|
3.54%
|
3.58%
|
$0
|
$0 p.a.
|
80%
|
|
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
|
|
|
|
|
|
|
3.68%
|
3.70%
|
$0
|
$0 p.a.
|
80%
|
|
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
|
|
|
|
|
|
|
3.64%
|
3.78%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
Earn double Velocity Frequent Flyer Points on your mortgage for a limited time (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
|
|
|
|
|
|
|
3.75%
|
3.75%
|
$0
|
$0 p.a.
|
70%
|
|
Pay no application or ongoing fees and get a flexible loan with the ability to split up to 6 times.
|
|
|
|
|
|
|
3.77%
|
3.81%
|
$695
|
$0 p.a.
|
95%
|
|
A simplified mortgage with a low interest rate and a redraw facility.
|
|
|
|
|
|
|
3.79%
|
3.82%
|
$0
|
$0 p.a.
|
80%
|
|
A variable investor mortgage with a high borrowing amount so you can fund a large purchase.
|
|
|
|
|
|
|
3.64%
|
3.64%
|
$0
|
$0 p.a.
|
70%
|
|
A low interest rate home loan with no application or ongoing fees.
|
|
|
|
|
|
|
3.74%
|
4.13%
|
$0
|
$349 p.a.
|
90%
|
|
Get a sharp rate plus package discounts and a 100% offset account.
|
|
|
|
|
|
|
3.69%
|
4.12%
|
$0
|
$395 p.a.
|
80%
|
|
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
|
|
|
|
|
|
|
3.88%
|
4.40%
|
$0
|
$395 p.a.
|
90%
|
|
Lock in a very competitive 2 year rate and get package discounts on your credit card and offset account.
|
|
|
|
|
|
|
3.74%
|
3.74%
|
$0
|
$0 p.a.
|
80%
|
|
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
|
|
|
|
|
|
|
3.79%
|
3.79%
|
$0
|
$0 p.a.
|
80%
|
|
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
|
|
|
|
|
|
|
3.70%
|
3.70%
|
$0
|
$0 p.a.
|
70%
|
|
Get a discount for keeping your LVR at 70% or below with this innovative online lender.
|
|
|
|
|
|
|
3.80%
|
3.80%
|
$0
|
$0 p.a.
|
70%
|
|
Earn tens of thousands of Qantas Points or more with this variable owner occupier mortgage. Requires a 30% deposit.
|
|
|
|
|
|
|
3.64%
|
3.64%
|
$0
|
$0 p.a.
|
70%
|
|
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
|
|
|
|
|
|
|
3.84%
|
3.84%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
|
|
|
|
|
|
|
3.64%
|
3.65%
|
$0
|
$0 p.a.
|
80%
|
|
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
|
|
|
|
|
|
|
3.99%
|
3.92%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Enjoy a competitive fixed rate with no application fee. Earn double Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
|
|
|
|
|
|
|
3.85%
|
3.85%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application and ongoing fees with Macquarie Bank Basic Home Loan. Split and redraw facilities included.
|
|
|
|
|
|
|
3.71%
|
3.71%
|
$0
|
$0 p.a.
|
70%
|
|
A variable rate home loan that has a lot of flexible features. This loan has a 100% offset account.
|
|
|
|
|
|
|
3.72%
|
4.10%
|
$0
|
$395 p.a.
|
80%
|
|
New borrowers or refinancers can get a discounted rate with this package loan. Bonus $1,500 cashback for refinancers.
|
|
|
|
|
|
|
3.59%
|
3.64%
|
$0
|
$0 p.a.
|
80%
|
|
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.
|
|
|
|
|
|
|
3.81%
|
3.81%
|
$0
|
$0 p.a.
|
80%
|
|
A home loan with a competitive rate and plenty of handy features. This product comes with a 100% offset account.
|
|
|
|
|
|
|
3.89%
|
3.91%
|
$0
|
$0 p.a.
|
80%
|
|
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
|
|
|
|
|
|
|
3.59%
|
4.19%
|
$0
|
$10 monthly ($120 p.a.)
|
90%
|
|
Get a low discounted rate for 2 years plus a 100% offset account. And you can get the loan with a 10% deposit.
|
|
|
|
|
|
|
3.62%
|
3.62%
|
$0
|
$0 p.a.
|
95%
|
|
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.
|
|
|
|
|
|
|
3.72%
|
3.74%
|
$0
|
$0 p.a.
|
80%
|
|
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
|
|
|
|
|
|
|
3.84%
|
3.82%
|
$0
|
$0 p.a.
|
80%
|
|
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
|
|
|
|
|
|
|
3.69%
|
4.08%
|
$0
|
$349 p.a.
|
90%
|
|
Package your loan with other AMP products and save on rates and fees.
|
|
|
|
|
|
|
3.59%
|
4.74%
|
$0
|
$395 p.a.
|
90%
|
|
Enjoy a competitive rate with no application fee for this package loan.
|
|
|
|
|
|
|
3.99%
|
4.13%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
A competitive variable rate home loan with no application fee.
|
|
|
|
|
|
|
3.74%
|
3.74%
|
$0
|
$0 p.a.
|
110%
|
|
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.
|
|
|
|
|
|
|
3.67%
|
3.69%
|
$0
|
$0 p.a.
|
80%
|
|
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
|
|
|
|
|
|
|
4.04%
|
4.07%
|
$0
|
$0 p.a.
|
90%
|
|
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
|
|
|
|
|
|
|
3.76%
|
4.15%
|
$0
|
$395 p.a.
|
90%
|
|
A high maximum LVR home loan with redraw facility and additional payments. Get this mortgage with a 10% deposit.
|
|
|
|
|
|
|
3.59%
|
4.14%
|
$395
|
$0 p.a.
|
80%
|
|
A one year fixed rate offer with no ongoing bank fees.
|
|
|
|
|
|
|
3.75%
|
4.00%
|
$0
|
$248 p.a.
|
70%
|
|
Borrowers with a 30% deposit can get this competitive rate.
|
|
|
|
|
|
|
3.97%
|
3.99%
|
$0
|
$0 p.a.
|
80%
|
|
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
|
|
|
|
|
|
|
3.99%
|
4.44%
|
$395
|
$0 p.a.
|
80%
|
|
Pay no ongoing fees on this investment loan fixed for 3 years.
|
|
|
|
|
|
|
3.70%
|
3.90%
|
$0
|
$0 p.a.
|
70%
|
|
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
|
|
|
|
|
|
|
3.89%
|
3.94%
|
$0
|
$0 p.a.
|
90%
|
|
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
|
|
|
|
|
|
|
3.99%
|
3.99%
|
$0
|
$0 p.a.
|
70%
|
|
Investors with a 30% deposit can get this low rate loan to fund their property portfolio.
|
|
|
|
|
|
|
3.91%
|
3.92%
|
$0
|
$0 p.a.
|
80%
|
|
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
|
|
|
|
|
|
|
3.74%
|
4.01%
|
$395
|
$0 p.a.
|
80%
|
|
A competitive fixed interest rate product with no ongoing bank fees.
|
|
|
|
|
|
|
4.31%
|
3.95%
|
$0
|
$0 p.a.
|
80%
|
|
A variable interest-only loan for investors. Fast application, low fees, optional offset account. 100% online lender.
|
|
|
|
|
|
|
4.29%
|
4.31%
|
$0
|
$0 p.a.
|
80%
|
|
Investors will pay no application or ongoing fees for this interest-only loan.
|
|
|
|
|
|
|
3.74%
|
3.74%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
|
|
|
|
|
|
|
4.18%
|
4.18%
|
$0
|
$0 p.a.
|
80%
|
|
Investors get a 100% offset account and pay no application or ongoing fees on this loan from an innovative online lender.
|
|
|
|
|
|
|
3.89%
|
4.24%
|
$0
|
$0 p.a.
|
80%
|
|
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
|
|
|
|
|
|
|
3.89%
|
4.94%
|
$595
|
$0 p.a.
|
90%
|
|
Borrow up to 90% of the value of the property you're buying and pay no application or ongoing fees.
|
|
|
|
|
|
|
3.99%
|
4.86%
|
$0
|
$0 p.a.
|
80%
|
|
Access a fee-free 100% offset account and pay no application or ongoing fees.
|
|
|
|
|
|
|
4.29%
|
4.26%
|
$0
|
$0 p.a.
|
95%
|
|
A competitive 3-year fixed rate loan with a high max insured LVR.
|
|
|
|
|
|
|
4.14%
|
3.96%
|
$0
|
$0 p.a.
|
80%
|
|
Investors can go from application to full approval in as little as 20 minutes with this innovative online lender.
|
|
|
|
|
|
|
4.14%
|
4.81%
|
$0
|
$0 p.a.
|
80%
|
|
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
|
|
|
|
|
|
|
3.84%
|
3.91%
|
$0
|
$0 p.a.
|
80%
|
|
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
|
|
|
|
|
|
|
3.99%
|
3.99%
|
$0
|
$0 p.a.
|
80%
|
|
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
|
|
|
|
|
|
|
3.94%
|
3.92%
|
$0
|
$0 p.a.
|
80%
|
|
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process.
|
|
|
|
Hi, I just want to ask that I want to buy a house and how your company works. I just need detail.
Hi Amish,
You can go and check the list of companies who can provide you a home loan in this guide. If you’ve found the home loan you want to apply, please contact the lender to discuss your eligibility or options.
Alternatively, you can speak to a mortgage broker who can take account your circumstance and find a suitable loan for you.
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’ll 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.
On this page 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.
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 do this. You can compare some of these lenders, and speak to an expert in debt consolidation by reading our guide. If you’d like to talk to an expert broker about this, click the ‘speak to a mortgage broker’ tab to begin a free discussion.
Please let me know if you need any help with this.
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.
Taxes vary from state to state, please contact your local state revenue office or the Australian Taxation office to discuss your specific circumstances.
Regards
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 qualify for further home loans.
I hope this helps,
Marc.