Compare home loans

Whether you're a first home buyer, a property investor or simply shopping around for a better home loan deal - we have the tools to help with your home loan search. From do-it-yourself rate comparisons to personalised services that connect you with home loan experts ready to help.

Home loan comparisonsRates updated daily

  • Bank Australia Basic Home Loan (Owner Occupier)

    Bank Australia Basic Home Loan (Owner Occupier)

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable

    variable rate

    3.98%

    comparison rate*

    3.99%

    Upfront fees

    $0

    		 Go to site

    More info

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable
    Product info
    • Variable rate: 3.98%
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees
    • 20% Minimum deposit required

    variable rate

    3.99%

    comparison rate*

    3.99%

    Upfront fees

    $0

    		 Go to site

    More info

    • Experts Choice Winner - Best Value Variable Home Loan
    • No monthly fees
    • 20% Minimum deposit required
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier)

    • No establishment fee
    • No monthly fee
    • Lump sum payments without penalty

    variable rate

    3.99%

    comparison rate*

    3.99%

    Upfront fees

    $0

    		 Go to site

    More info

    • No establishment fee
    • No monthly fee
    • Lump sum payments without penalty
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 3.99%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Easy Street Basic Variable Home Loan (LVR 80% or less)

    Easy Street Basic Variable Home Loan (LVR 80% or less)

    • Powered by Community First Credit Union
    • No monthly or ongoing fees
    • Purchase, refinance, renovate or invest

    variable rate

    3.99%

    comparison rate*

    4.02%

    Upfront fees

    $500

    		 Go to site

    More info

    • Powered by Community First Credit Union
    • No monthly or ongoing fees
    • Purchase, refinance, renovate or invest
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.02%
    • Upfront fees: $500
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes-free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • IMB Bank Budget Home Loan (LVR<70%, Owner Occupier)

    IMB Bank Budget Home Loan (LVR<70%, Owner Occupier)

    • Free extra repayments
    • Free redraw facility
    • Split account available

    variable rate

    3.99%

    comparison rate*

    4.16%

    Upfront fees

    $769

    		 Go to site

    More info

    • Free extra repayments
    • Free redraw facility
    • Split account available
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.16%
    • Upfront fees: $769
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • State Custodians Standard Variable (LVR<80%, Owner Occupier)

    State Custodians Standard Variable (LVR<80%, Owner Occupier)

    • Special Discounted Rate For Owner Occupiers
    • P&I or Interest Only Up to 10yrs
    • Free 100% Offset Account

    variable rate

    3.99%

    comparison rate*

    4.32%

    Upfront fees

    $275

    		 Go to site

    More info

    • Special Discounted Rate For Owner Occupiers
    • P&I or Interest Only Up to 10yrs
    • Free 100% Offset Account
    Product info
    • Variable rate: 3.99%
    • Comparison rate*: 4.32%
    • Upfront fees: $275
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    • Switch your home loan
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    variable rate

    4.09%

    comparison rate*

    4.45%

    Upfront fees

    $0

    		 Go to site

    More info

    • Switch your home loan
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.45%
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • iMortgage Fusion 80 (Principal & Interest, Owner Occupier)

    iMortgage Fusion 80 (Principal & Interest, Owner Occupier)

    • $0 application and valuation fees
    • Low rate for the life of the loan
    • Free redraw

    variable rate

    4.04%

    comparison rate*

    4.18%

    Upfront fees

    $363

    		 Go to site

    More info

    • $0 application and valuation fees
    • Low rate for the life of the loan
    • Free redraw
    Product info
    • Variable rate: 4.04%
    • Comparison rate*: 4.18%
    • Upfront fees: $363
    • Ongoing fees: $120.00 yearly
    • Discharge fee: $545.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

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  • AMP Essential Home Loan (Owner Occupier)

    AMP Essential Home Loan (Owner Occupier)

    • Competitive variable rate
    • Additional repayments anytime
    • Waived establishment & settlement fees

    variable rate

    4.08%

    comparison rate*

    4.10%

    Upfront fees

    $295

    		 Go to site

    More info

    • Competitive variable rate
    • Additional repayments anytime
    • Waived establishment & settlement fees
    Product info
    • Variable rate: 4.08%
    • Comparison rate*: 4.10%
    • Upfront fees: $295
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • Bankwest Complete Variable Home Loan (LVR<80%, Owner Occupier) (Package)

    Bankwest Complete Variable Home Loan (LVR<80%, Owner Occupier) (Package)

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application

    variable rate

    4.08%

    comparison rate*

    4.49%

    Upfront fees

    $150

    		 Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application
    Product info
    • Variable rate: 4.08%
    • Comparison rate*: 4.49%
    • Upfront fees: $150
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $338.20
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Greater Building Society Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)

    Greater Building Society Great Rate Home Loan (Owner Occupier, LVR<80%, over $150k)

    • No establishment fee
    • No ongoing fee
    • Free internet redraw facility

    variable rate

    4.09%

    comparison rate*

    4.09%

    Upfront fees

    $0

    		 Go to site

    More info

    • No establishment fee
    • No ongoing fee
    • Free internet redraw facility
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.09%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only

    variable rate

    4.09%

    comparison rate*

    4.12%

    Upfront fees

    $600

    		 Go to site

    More info

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only
    Product info
    • Variable rate: 4.09%
    • Comparison rate*: 4.12%
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

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  • State Custodians Breathe Easy (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy (LVR<80%, Owner Occupier)

    • $0 Annual Fee
    • Special Discounted Rate For Owner Occupiers
    • Free 100% Offset Account

    variable rate

    4.12%

    comparison rate*

    4.15%

    Upfront fees

    $275

    		 Go to site

    More info

    • $0 Annual Fee
    • Special Discounted Rate For Owner Occupiers
    • Free 100% Offset Account
    Product info
    • Variable rate: 4.12%
    • Comparison rate*: 4.15%
    • Upfront fees: $275
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • Beyond Bank Low Rate Special Variable Home Loan (Investment)

    Beyond Bank Low Rate Special Variable Home Loan (Investment)

    • No establishment fee
    • No monthly fee
    • Lump sum payments without penalty

    variable rate

    4.14%

    comparison rate*

    4.14%

    Upfront fees

    $0

    		 Go to site

    More info

    • No establishment fee
    • No monthly fee
    • Lump sum payments without penalty
    Product info
    • Variable rate: 4.14%
    • Comparison rate*: 4.14%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Hunter United Credit Union Dream Home Loan - Platinum

    Hunter United Credit Union Dream Home Loan - Platinum

    • 100% interest offset facility
    • Low deposit - from 10% of purchase price (Owner Occupier)
    • No annual fee

    variable rate

    4.20%

    comparison rate*

    4.28%

    Upfront fees

    $350

    		 Go to site

    More info

    • 100% interest offset facility
    • Low deposit - from 10% of purchase price (Owner Occupier)
    • No annual fee
    Product info
    • Variable rate: 4.20%
    • Comparison rate*: 4.28%
    • Upfront fees: $350
    • Ongoing fees: $5.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - fees apply
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)

    Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier) (Package)

    • No establishment fee
    • 100% offset account
    • Free internet redraw facility

    variable rate

    4.24%

    comparison rate*

    4.61%

    Upfront fees

    $275

    		 Go to site

    More info

    • No establishment fee
    • 100% offset account
    • Free internet redraw facility
    Product info
    • Variable rate: 4.24%
    • Comparison rate*: 4.61%
    • Upfront fees: $275
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • IMB Bank Essentials Home Loan (LVR<80%, Owner Occupier)

    IMB Bank Essentials Home Loan (LVR<80%, Owner Occupier)

    • Experts Choice Winner - Best Value Full Feature Home Loan
    • 100% offset account
    • No monthly, annual or establishment fees

    variable rate

    4.30%

    comparison rate*

    4.30%

    Upfront fees

    $0

    		 Go to site

    More info

    • Experts Choice Winner - Best Value Full Feature Home Loan
    • 100% offset account
    • No monthly, annual or establishment fees
    Product info
    • Variable rate: 4.30%
    • Comparison rate*: 4.30%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $75,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan (Principal & Interest)

    NAB Base Variable Rate Home Loan (Principal & Interest)

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    variable rate

    4.39%

    comparison rate*

    4.39%

    Upfront fees

    $0

    		 Go to site

    More info

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    Product info
    • Variable rate: 4.39%
    • Comparison rate*: 4.39%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • act. Residential Variable Home Loan

    act. Residential Variable Home Loan

    • Ethical banking. Every month, donate a portion of our profit to a social project of your choice
    • Negotiable rates
    • Free online redraw facility on all loan types

    variable rate

    4.78%

    comparison rate*

    4.93%

    Upfront fees

    $750

    		 Go to site

    More info

    • Ethical banking. Every month, donate a portion of our profit to a social project of your choice
    • Negotiable rates
    • Free online redraw facility on all loan types
    Product info
    • Variable rate: 4.78%
    • Comparison rate*: 4.93%
    • Upfront fees: $750
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - partial only (full offset available for $5 per month)
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $500,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

Look for a specific type of home loan:

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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