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Everything you need to know about owning your home

A home loan is only the first step. We can help guide you through every part of your home owning journey.

Owning a home is the realisation of a dream for many Australians. It’s also the start of a long-term commitment. Whether you’re looking to beautify your home, lower your mortgage repayments, get along with your neighbours or just have a laugh, we’ve got you covered.

1. Protect your home

Make sure your largest asset is safeguarded.

1. Protect your home

2. Beautify your home

Learn how to add value and style through renovation.

2. Beautify your home

3. Survive your neighbours

Living next door without losing your mind.

3. Survive your neighbours

4. Plan for the future

Preparing yourself for interest rate rises.

4. Plan for the future

5. Get a better deal

Make sure you’re not paying too much for your home loan.

5. Get a better deal

6. Pay your loan off sooner

Learn easy tips to pay your mortgage off sooner.

6. Pay your loan off sooner

More about owning your home

The offbeat and the odd

Get a better deal on your home loan

Rates last updated September 16th, 2019
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Loan purpose
Offset account
Loan type
Repayment type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
 3.09% 3.05% $0 $0 p.a. 80% Go to site More info
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
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.09% 3.09% $0 $0 p.a. 80% Go to site More info
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ 90% LVR (Owner Occupier, P&I)
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ 90% LVR (Owner Occupier, P&I)
A low fixed rate loan that lets you borrow up to 90% of your property's value.
 3.19% 3.85% $300 $10 monthly ($120 p.a.) 90% Enquire now More info
ING Orange Advantage Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
ING Orange Advantage Loan - $150,000 to $500,000 (LVR <=80% Owner Occupier, P&I)
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.
 3.23% 3.56% $0 $299 p.a. 80% Go to site More info
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I)
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.
3.15% 3.17% $0 $0 p.a. 80% Go to site More info
Mortgage House Advantage Home Loan - 70 (PAYG Essentials)
Mortgage House Advantage Home Loan - 70 (PAYG Essentials)
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.
 3.09% 3.12% $600 $10 monthly ($120 p.a.) 70% Enquire now More info
Bankwest Complete Home Loan Package Variable - $200k to $499k LVR <80% (Owner Occupier, P&I)
Bankwest Complete Home Loan Package Variable - $200k to $499k LVR <80% (Owner Occupier, P&I)
A low variable rate loan with a 100% offset account and package discounts.
 3.29% 3.73% $0 $395 p.a. 80% Go to site More info
Community First Accelerator Home Loan Package - $250k and over 2 Year Discounted Variable (Owner Occupier, P&I)
Community First Accelerator Home Loan Package - $250k and over 2 Year Discounted Variable (Owner Occupier, P&I)
A package loan that offers discounts and a 100% offset account.
 3.39% 4.29% $600 $395 p.a. 95% Go to site More info
ANZ Simplicity PLUS Home Loan - LVR ≤ 80% Special Offer Discount (Owner Occupier, PI)
ANZ Simplicity PLUS Home Loan - LVR ≤ 80% Special Offer Discount (Owner Occupier, PI)
Get a low variable rate from a ANZ and save money with $0 application or ongoing fees. Requires a 20% deposit.
 3.38% 3.42% $0 $0 p.a. 80% Go to site More info
Macquarie Bank Offset Home Loan Package - LVR ≤ 70% (Owner Occupier, P&I)
Macquarie Bank Offset Home Loan Package - LVR ≤ 70% (Owner Occupier, P&I)
Borrowers with a 30% deposit can get this competitive rate. Cut down on interest costs with a 100% offset account.
 3.24% 3.50% $0 $248 p.a. 70% Enquire now More info
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