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Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
Interest Rate
5.19%
Comparison Rate
5.10%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierNo LMI
Monthly Payment
$824
per month
This loan comes with no application fee, no ongoing fees and no exit fees. The best news? Borrowers get a 0.01% rate discount for every year they hold the loan.
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Interest Rate
5.29%
Comparison Rate
5.32%
Fees
  • Application: $449
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierCashbackNo LMI
Monthly Payment
$833
per month
Cashback: Eligible borrowers can get up to $4,000 cashback when buying or refinancing with IMB. Loan value criteria applies. T&Cs apply.
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Interest Rate
5.48%
Comparison Rate
5.54%
Fees
  • Application: $345
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierPointsNo LMI
Monthly Payment
$851
per month
Points: Earn Qantas Points in your first year and 0.05% rate discount at time of loan approval for loans $700k+. Plus 100k points every year after. Submit before 11 Dec 2025 and settle by 11 Jun 2026. T&Cs apply.
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Community First Bank logo
Community First Bank Boost Package Fixed Rate Home Loan
Interest Rate
4.79%
Comparison Rate
5.62%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Principal & Interest 2Y Fixed20% min. equityOwner-occupierNo LMI
Monthly Payment
$788
per month
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Community First Bank logo
Community First Bank Boost Package Fixed Rate Special Offer Home Loan
Interest Rate
4.99%
Comparison Rate
5.81%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Interest only 2Y Fixed20% min. equityInvestmentNo LMI
Monthly Payment
$806
per month
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G&C Mutual Bank logo
G&C Mutual Bank First Home Buyer
Interest Rate
4.99%
Comparison Rate
5.04%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest5% min. equityOwner-occupierOffset accountLMI
Monthly Payment
$806
per month
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Suncorp Bank logo
Suncorp Bank Home Package Plus Fixed
Interest Rate
5.09%
Comparison Rate
5.79%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed20% min. equityOwner-occupierNo LMI
Monthly Payment
$815
per month
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Unloan logo
Unloan Variable Home Loan
Finder Award
Interest Rate
5.19%
Comparison Rate
5.10%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierNo LMI
Monthly Payment
$824
per month
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Greater Bank logo
Greater Bank Great Rate Discount Variable Home Loan
Interest Rate
5.19%
Comparison Rate
5.20%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest-10% min. equityOwner-occupierCashbackLMI
Monthly Payment
$824
per month
Cashback: Eligible borrowers applying online can get up to $3,000 cashback. Other eligible refinancers and FHBs can get up to $2,500. First Home Buyers can use a family pledge option to borrow up to 110% with a guarantor. LVR and loan value criteria and T&Cs apply.
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Ubank logo
Ubank Flex Fixed Home Loan
Interest Rate
5.23%
Comparison Rate
5.65%
Fees
  • Application: $250
  • Ongoing: $250 p.a.
Principal & Interest 2Y Fixed20% min. equityOwner-occupierNo LMI
Monthly Payment
$828
per month
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First Option Bank logo
First Option Bank Simple Home Loan
Interest Rate
5.24%
Comparison Rate
5.24%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityOwner-occupier
Monthly Payment
$829
per month
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Westpac logo
Westpac Flexi First Option Home Loan – Online Variable Rate
Interest Rate
5.24%
Comparison Rate
5.25%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest30% min. equityOwner-occupier
Monthly Payment
$829
per month
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Newcastle Permanent logo
Newcastle Permanent Real Deal Home Loan
Interest Rate
5.24%
Comparison Rate
5.28%
Fees
  • Application: $595
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityOwner-occupierCashbackNo LMI
Monthly Payment
$829
per month
Cashback: Eligible purchasers and refinancers can get $2,000 or $3,000 depending on loan value, as long as LVR is 80% or lower. T&Cs apply.
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G&C Mutual Bank logo
G&C Mutual Bank Momentum Home Loan
Interest Rate
5.24%
Comparison Rate
5.29%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityOwner-occupierOffset account
Monthly Payment
$829
per month
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Ubank logo
Ubank Flex Fixed Home Loan
Interest Rate
5.28%
Comparison Rate
5.64%
Fees
  • Application: $250
  • Ongoing: $250 p.a.
Principal & Interest 3Y Fixed20% min. equityOwner-occupierNo LMI
Monthly Payment
$833
per month
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loans.com.au logo
loans.com.au Variable Home Loan
Interest Rate
5.29%
Comparison Rate
5.33%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest10% min. equityOwner-occupierOffset accountLMI
Monthly Payment
$833
per month
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Ubank logo
Ubank Flex Fixed Home Loan
Interest Rate
5.32%
Comparison Rate
5.68%
Fees
  • Application: $250
  • Ongoing: $250 p.a.
Principal & Interest 1Y Fixed20% min. equityOwner-occupierNo LMI
Monthly Payment
$836
per month
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Macquarie Bank logo
Macquarie Bank Offset Home Loan Package
Interest Rate
5.34%
Comparison Rate
5.60%
Fees
  • Application: $0
  • Ongoing: $248 p.a.
Principal & Interest30% min. equityOwner-occupierOffset account
Monthly Payment
$838
per month
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Macquarie Bank logo
Macquarie Bank Offset Home Loan Package
Interest Rate
5.34%
Comparison Rate
5.60%
Fees
  • Application: $0
  • Ongoing: $248 p.a.
Principal & Interest40% min. equityOwner-occupierOffset account
Monthly Payment
$838
per month
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Macquarie Bank logo
Macquarie Bank Basic Home Loan
Interest Rate
5.34%
Comparison Rate
5.36%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityOwner-occupier
Monthly Payment
$838
per month
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Written by

Publisher

Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money. See full bio

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2 Responses

    Default Gravatar
    FrancesSeptember 11, 2017

    My husband 75 years and I 70 years. We are planning to sell the family home in 12 to 18 months. We have tried to access a reverse mortgage from CWB ( who we bank with ) and have been refused. We run a B&B from our family home and have done for 10 years. We have also gone security guarantor for our son and his wife (160,000) with Westpac. We own our home which has been valued by a valuer at $1.500.000. We have no debts and have never had a bad credit rating. Could you please advise us where to apply and if you think we have any chance of accessing around $30,000. Thank you.

      Default Gravatar
      JonathanSeptember 11, 2017

      Hello Frances,

      Thank you for your inquiry.

      May I confirm if both of you are pensioners? If you are, we have a full guide written for pensioners who are seeking home loans. On that page, we have listed some tips on how to apply for a home loan, the types of home loans you may qualify for, and the advantages and disadvantages of pensioner home loans. Should you identify that reverse mortgage suits you, we have a list of lenders that you may consider.

      Both pages have a comparison table you can use to find the right lender for you. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance.

      Take note that you need to review their requirements and loan terms before proceeding.

      Alternatively, you may consult a mortgage broker for a personalized advice based on your needs.

      Hope this helps.

      Cheers,
      Jonathan

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