Top Home Loans*

top home loans

Compare home loans so you save on your mortgage repayments.

Top home loans are ones that offer you value in terms of great features, a suitable term and other add-ons that are not found in ordinary mortgages. Unfortunately, because every borrower is different, what's a top home loan for one person might not represent good value for another, so there's no specific home loan which can be considered to be the best compared to all others. This is why it's important to compare all the home loans you're interested in to find out what features, fees and interest rates appeal most to you.

Compare the top home loans*

Best Home Loans

Rates last updated August 15th, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.64%
3.66%
$0
$0 p.a.
80%
Competitive interest rate and limited fees
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2 million from a convenient online lender.
3.59%
3.59%
$0
$0 p.a.
80%
Special discounted interest rate
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.64%
3.65%
$0
$0 p.a.
80%
Get approved faster with a speedy online application
Low interest rate and limited fees. Add a 100% offset account for $10 a month.
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 (subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.

Compare up to 4 providers

Investment Property Home Loans

Rates last updated August 15th, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.89%
4.24%
$0
$0 p.a.
80%
Sharp interest only package rate
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
3.99%
3.99%
$0
$0 p.a.
80%
Special discounted interest rate
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.98%
3.98%
$0
$0 p.a.
70%
Requires a 30% deposit
Investors can get a 100% offset account and a low rate if they have a big deposit. 100% online application process.
3.91%
3.92%
$0
$0 p.a.
80%
Add an offset account for $10 a month
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
3.97%
3.99%
$0
$0 p.a.
80%
Competitive investment package loan
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.

Compare up to 4 providers

Variable Rate Home Loans

Rates last updated August 15th, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
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.
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.
3.69%
4.11%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.83%
3.83%
$0
$0 p.a.
90%
New customers can get a discounted variable rate and a fee-free redraw facility. NSW, QLD and ACT residents only.
3.64%
3.65%
$0
$0 p.a.
80%
Low interest rate and limited fees. Add a 100% offset account for $10 a month.

Compare up to 4 providers

Fixed Rate Home Loans

Rates last updated August 15th, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.89%
3.94%
$0
$0 p.a.
80%
A sharp fixed rate mortgage for home buyers who want to make interest-only payments. Buy your own home and keep your repayments under control for 2 years.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
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.
3.89%
4.24%
$0
$0 p.a.
80%
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
3.64%
3.79%
$0
$0 p.a.
80%
Apply online for this fixed rate, low-fee loan with redraw facilities and an optional offset account.

Compare up to 4 providers


How to compare home loans

  • Extra repayments. Most loans will allow you to make additional repayments so you can pay it off sooner. Most fixed rate loans will have fees for making additional repayments or a cap on how many extra repayments you can make in a year during the fixed period. Variable home loans usually allow you to make unlimited extra repayments, so pick a loan that gives you the freedom you want to make repayments according to your present and future financial situation.
  • Interest rates. Whether you go for a fixed rate or variable rate home loan, be sure to keenly compare the rates on different products, as even a small difference could translate into thousands of dollars in savings over the course of the loan.
  • 100% offset account. Among the major features that a variable rate home loan can have, an offset account is one that allows you to link a transaction account to the loan. Your balance can then be used to offset your principal loan amount, enabling you to get a lower interest rate without having to make additional repayments.
  • Redraw facility. A redraw facility can be a great feature on your home loan as it allows you to access the additional repayments already made on the mortgage should you need them.
  • Fees. Compare the upfront and ongoing fees of any loan you're interested in. This includes the application fee, settlement fee and valuation fees charged by the lender, as well as any monthly account fees or annual fees. Also look into whether or not the loan has any fees for features you may use such as redraws or offset accounts.

FAQ about top* home loans

What's a top home loan?

This is a loan with features such as an offset account, lowered interest rates and additional repayments. However, what could be a top loan for you may not be what another customer would want, so what a top home loan is is mostly subjective.

Should I go for a fixed or variable rate home loan?

That will depend on your financial situation and prevailing interest rates. Talking to a mortgage broker about your finances and predicted mortgage rates can help you choose the best type of home loan for you.

Image: Shutterstock

Marc Terrano

Marc Terrano is a content marketer manager at finder. He's been writing and publishing personal finance content for over five years and loves to help Australians get a better deal.

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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Loans over $150k get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150k+ Owner Occupier, P&I) Discount 1

New borrowers or refinancers from another lender get a discounted rate with this package loan.

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