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.

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Get a better deal on your home loan

Rates last updated June 25th, 2019
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)
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
3.34% 3.30% $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
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees. UBank will cut its variable rates for new and existing customers on June 28, making this rate even lower.
3.59% 3.59% $0 $0 p.a. 80% Go to site More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.44% 3.44% $0 $0 p.a. 70% Enquire now More info
HSBC Home Value Loan - (Owner Occupier P&I)
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.
3.47% 3.48% $0 $0 p.a. 90% Go to site More info
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate (Owner Occupier, P&I)
Lock in a competitive rate for owner occupiers for two years. Extra repayments up to $30,000 over the life of the fixed period can be made.
3.43% 4.26% $0 $395 p.a. 80% Go to site More info
Macquarie Bank Offset Home Loan  - 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.
3.44% 3.70% $0 $248 p.a. 70% Enquire now More info
3.44% 3.48% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
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.
3.40% 3.42% $0 $0 p.a. 80% Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)
NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.
3.54% 3.57% $445 $0 p.a. 90% Go to site More info
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