|
|
|
3.59%
|
3.61%
|
$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.
|
|
|
|
|
|
|
3.59%
|
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.
|
|
|
|
|
|
|
3.57%
|
3.58%
|
$0
|
$0 p.a.
|
80%
|
|
Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.75%
|
3.75%
|
$0
|
$0 p.a.
|
70%
|
|
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
|
|
|
|
|
|
|
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 $2000000 from a convenient online lender.
|
|
|
|
|
|
|
3.64%
|
3.64%
|
$0
|
$0 p.a.
|
70%
|
|
A low interest rate home loan with no application or ongoing fees.
|
|
|
|
|
|
|
3.54%
|
3.57%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable essentials interest rate product aimed at refinancers looking to switch to a lower rate.
|
|
|
|
|
|
|
3.85%
|
3.85%
|
$0
|
$0 p.a.
|
80%
|
|
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
|
|
|
|
|
|
|
3.49%
|
3.53%
|
$250
|
$0 p.a.
|
80%
|
|
A very low variable interest rate for borrowers with a 20% deposit. Add a 100% offset account for $10 a month.
|
|
|
|
|
|
|
3.87%
|
3.91%
|
$600
|
$0 p.a.
|
95%
|
|
A home loan with no ongoing fee and a redraw facility that you can borrow up to 95% LVR.
|
|
|
|
|
|
|
3.80%
|
4.05%
|
$0
|
$0 p.a.
|
70%
|
|
Earn tens of thousands of Qantas Points to spend on flights, hotels and more with this variable owner occupier mortgage. Competitive variable rate mortgage that requires a 30% deposit.
|
|
|
|
|
|
|
3.84%
|
3.85%
|
$0
|
$0 p.a.
|
90%
|
|
A flexible, basic mortgage for owner occupiers. Make extra repayments and take advantage of mortgage redraw facilities. Available with a 10% deposit.
|
|
|
|
|
|
|
3.88%
|
4.51%
|
$0
|
$395 p.a.
|
90%
|
|
Lock in a very competitive 2 year rate and get package discounts on your credit card and offset account. $1,500 cashback available (conditions apply).
|
|
|
|
|
|
|
3.68%
|
3.82%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
Earn 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.
|
|
|
|
|
|
|
3.59%
|
3.63%
|
$0
|
$0 p.a.
|
90%
|
|
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.87%
|
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.
|
|
|
|
|
|
|
3.69%
|
4.86%
|
$0
|
$395 p.a.
|
90%
|
|
Special discounted rate for first home buyers. Start your home buying journey with 2 years of fixed repayments at a competitive rate plus package discounts. Available with a 10% deposit.
|
|
|
|
|
|
|
3.75%
|
4.72%
|
$0
|
$299 p.a.
|
95%
|
|
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
|
|
|
|
|
|
|
3.68%
|
3.70%
|
$0
|
$0 p.a.
|
80%
|
|
A competitive variable rate mortgage for owner occupiers that comes with a no fee debit card with a $5,000 limit.
|
|
|
|
|
|
|
3.84%
|
3.85%
|
$0
|
$0 p.a.
|
70%
|
|
Keep your LVR at 70% or below and enjoy a special discounted rate. Also, pay no application or ongoing fees.
|
|
|
|
|
|
|
3.64%
|
3.78%
|
$0
|
$10 monthly ($120 p.a.)
|
80%
|
|
Earn Velocity Frequent Flyer Points on your mortgage (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.79%
|
3.82%
|
$0
|
$0 p.a.
|
80%
|
|
An essentials variable investor mortgage with a high borrowing amount so you can fund a large purchase.
|
|
|
|
|
|
|
3.74%
|
4.13%
|
$0
|
$349 p.a.
|
90%
|
|
Get a sharp rate plus package discounts and a 100% offset account.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.79%
|
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. Plus $1,500 cashback offer for eligible refinancers.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.70%
|
3.70%
|
$0
|
$0 p.a.
|
70%
|
|
Get a discount for keeping your LVR at $70% or below with this innovative online lender.
|
|
|
|
|
|
|
3.64%
|
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%
|
3.59%
|
$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 Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.89%
|
4.27%
|
$0
|
$395 p.a.
|
80%
|
|
New borrowers or refinancers can get a discounted rate with this package loan.
|
|
|
|
|
|
|
3.59%
|
3.58%
|
$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.
|
|
|
|
|
|
|
4.17%
|
4.21%
|
$600
|
$0 p.a.
|
95%
|
|
Variable rate home loan from one of the big 4 banks. Available with just a 5% deposit.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.72%
|
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.
|
|
|
|
|
|
|
3.69%
|
4.75%
|
$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.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.59%
|
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. Cut down on interest costs with a 100% offset account.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.94%
|
3.94%
|
$0
|
$0 p.a.
|
70%
|
|
Investors with a 30% deposit can get this low rate loan to fund their property portfolio. Take advantage of split and redraw facilities.
|
|
|
|
|
|
|
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.
|
|
|
|
|
|
|
3.99%
|
3.92%
|
$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.
|
|
|
|
|
|
|
3.94%
|
4.95%
|
$595
|
$0 p.a.
|
95%
|
|
Borrow up to 95% LVR 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.
|
|
|
|
|
|
|
3.89%
|
3.91%
|
$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.
|
|
|
|
|
|
|
3.89%
|
3.91%
|
$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.