Find the cheapest home loan by comparing the best rates

Save thousands of dollars by finding the lowest interest rates and smallest fees on your home loan.
Powered by
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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
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
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
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
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
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
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
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
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
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
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier)
  • 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
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
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
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
Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)
  • 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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier)
  • $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
4.22%
comparison rate*
4.62%
Upfront fees
$150
Go to site
More info
variable rate
4.22%
comparison rate*
4.62%
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
$1,499,999
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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
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
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
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
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
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
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
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
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
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
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier)
  • 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
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
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
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
Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)
  • 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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier)
  • $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
4.22%
comparison rate*
4.62%
Upfront fees
$150
Go to site
More info
variable rate
4.22%
comparison rate*
4.62%
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
$1,499,999
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150K, Owner Occupier)
  • 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
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
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Macquarie Basic Home Loan Offer (Owner Occupier, LVR<80%, $250k-$750k)
  • $1,000 universal Visa Gift Card if you apply by 15 May 2016 and settle by 31 August 2016
  • Make unlimited extra payments on a variable rate loan or up to 5% each year on a fixed rate loan
  • No application or account management fees
variable rate
4.29%
comparison rate*
4.29%
Upfront fees
$0
Go to site
More info
variable rate
4.29%
comparison rate*
4.29%
Upfront fees
$0
Ongoing fees
$0.00
Discharge Fee
$400.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$250,000
Maximum loan amount
$750,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Fortnightly, Monthly
Macquarie Flyer Home Loan Offer (Owner Occupier, LVR<80%, $250k-$750k)
  • $1,000 universal Visa Gift Card if you apply by 15 May 2016 and settle by 31 August 2016
  • Earn up to 160,000 Qantas Points on a $500,000 loan
  • No application or account management fees
variable rate
4.34%
comparison rate*
4.34%
Upfront fees
$0
Go to site
More info
variable rate
4.34%
comparison rate*
4.34%
Upfront fees
$0
Ongoing fees
$0.00
Discharge Fee
$400.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$250,000
Maximum loan amount
$750,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Fortnightly, Monthly
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
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*
4.96%
Upfront fees
$750
Go to site
More info
variable rate
4.78%
comparison rate*
4.96%
Upfront fees
$750
Ongoing fees
$10.00 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
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
Greater Building Society Discount Ultimate Home Loan (LVR<80%, over $150k, Owner Occupier)
  • Experts Choice Winner - Best Value Fixed Home Loan
  • Free redraw facility. No monthly fees
  • $0 application fee
interest rate
3.79%
fixed 1 year
comparison rate*
4.74%
Upfront fees
$275
Go to site
More info
interest rate
4.09%
comparison rate*
4.71%
Upfront fees
$275
Ongoing fees
$375.00 yearly
Discharge Fee
$300.00
Extra repayments
yes - fee applies
Redraw facility
yes
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$150,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Hunter United Credit Union 2 Year Fixed Rate Special (Owner Occupier, LVR<95%)
  • Low deposit - 5% for owner occupiers
  • Fix part or all of your home loan
  • Borrow as little as $100,000
interest rate
3.98%
fixed 2 years
comparison rate*
4.72%
Upfront fees
$350
Go to site
More info
comparison rate*
n/a
Upfront fees
$350
Ongoing fees
$5.00 monthly
Discharge Fee
$80.00
Extra repayments
yes
Redraw facility
no
Offset account
no
Maximum loan to value ratio
95.00%
Minimum loan amount
$100,000
Type of loan
Fixed
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Hunter United Credit Union 2 Year Fixed Rate Special (Investment, LVR<75%)
  • Low deposit - 5% owner occupied, 25% investment loans
  • No annual fee
  • Repayment holidays available
interest rate
3.98%
fixed 2 years
comparison rate*
4.72%
Upfront fees
$350
Go to site
More info
comparison rate*
n/a
Upfront fees
$350
Ongoing fees
$5.00 monthly
Discharge Fee
$80.00
Extra repayments
yes
Redraw facility
no
Offset account
no
Maximum loan to value ratio
75.00%
Minimum loan amount
$100,000
Type of loan
Fixed
Repayment types
Principal & Interest
Availability
Investor
Repayment options
Weekly, Fortnightly, Monthly
UBank UHomeLoan (Owner Occupier, Principal & Interest)
  • Experts Choice Winner - Best Value Fixed Home Loan
  • Apply online and get a decision in just 30 minutes
  • Make additional repayments (fee applies)
interest rate
3.99%
fixed 3 years
comparison rate*
4.26%
Upfront fees
$395
Go to site
More info
interest rate
3.99%
comparison rate*
4.26%
Upfront fees
$395
Ongoing fees
$0.00
Discharge Fee
$0.00
Extra repayments
yes - fee applies
Redraw facility
no
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$100,000
Maximum loan amount
$2,000,000
Type of loan
Fixed
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Australian Unity Health, Wealth and Happiness Fixed Rate
  • No annual fee on a credit card of your choice
  • 10% off Australian Unity Health Insurance
  • Owner occupied only
interest rate
4.05%
fixed 3 years
comparison rate*
4.34%
Upfront fees
$600
Go to site
More info
interest rate
4.05%
comparison rate*
4.34%
Upfront fees
$600
Ongoing fees
$0.00
Discharge Fee
$300.00
Extra repayments
yes - free up to $10,000 p.a.
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
90.00%
Minimum loan amount
$200,000
Maximum loan amount
$2,500,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Beyond Bank Fixed Rate Total Home Loan
  • Pay less fees and lower interest
  • Switch from variable to fixed at anytime
  • Apply online in 15 minutes
interest rate
4.09%
fixed 3 years
comparison rate*
5.02%
Upfront fees
$150
Go to site
More info
interest rate
4.09%
comparison rate*
5.02%
Upfront fees
$150
Ongoing fees
$395.00 yearly
Discharge Fee
$295.00
Extra repayments
yes - free up to $25,000 p.a.
Redraw facility
yes - fees apply
Offset account
yes
Maximum loan to value ratio
80.00%
Minimum loan amount
$50,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
Bankwest Complete Fixed Home Loan (LVR 80-90%, Owner Occupier)
  • $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
interest rate
4.19%
fixed 3 years
comparison rate*
4.70%
Upfront fees
$150
Go to site
More info
interest rate
4.19%
comparison rate*
4.70%
Upfront fees
$150
Ongoing fees
$395.00 yearly
Discharge Fee
$338.20
Extra repayments
yes - free up to $10,000 a year
Redraw facility
yes - fees apply
Offset account
yes - partial only
Maximum loan to value ratio
90.00%
Minimum loan amount
$200,000
Maximum loan amount
$499,999
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bankwest Complete Fixed Home Loan (LVR 80-90%, Owner Occupier)
  • $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
interest rate
4.24%
fixed 2 years
comparison rate*
4.72%
Upfront fees
$150
Go to site
More info
interest rate
4.19%
comparison rate*
4.70%
Upfront fees
$150
Ongoing fees
$395.00 yearly
Discharge Fee
$338.20
Extra repayments
yes - free up to $10,000 a year
Redraw facility
yes - fees apply
Offset account
yes - partial only
Maximum loan to value ratio
90.00%
Minimum loan amount
$200,000
Maximum loan amount
$499,999
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
NAB Tailored Home Loan
  • No upfront fees
  • Make free extra repayments up to $20K in the fixed period
  • Repayment holidays available
interest rate
4.24%
fixed 3 years
comparison rate*
5.18%
Upfront fees
$0
Go to site
More info
interest rate
4.24%
comparison rate*
5.18%
Upfront fees
$0
Ongoing fees
$395.00 yearly
Discharge Fee
$350.00
Extra repayments
yes - free up to $20,000 during the fixed rate period
Redraw facility
no
Offset account
no
Maximum loan to value ratio
95.00%
Minimum loan amount
$20,000
Maximum loan amount
$249,999
Type of loan
Fixed
Repayment types
Principal & Interest
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
Australian Unity Health, Wealth and Happiness Fixed Rate
  • No annual fee on a credit card of your choice
  • 10% off Australian Unity Health Insurance
  • Owner occupied only
interest rate
4.35%
fixed 1 year
comparison rate*
4.42%
Upfront fees
$600
Go to site
More info
interest rate
4.05%
comparison rate*
4.34%
Upfront fees
$600
Ongoing fees
$0.00
Discharge Fee
$300.00
Extra repayments
yes - free up to $10,000 p.a.
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
90.00%
Minimum loan amount
$200,000
Maximum loan amount
$2,500,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bank Australia Basic Home Loan (Fixed, Owner Occupier)
  • No monthly fees
  • Free redraw
  • Repayment pause available
interest rate
4.44%
fixed 3 years
comparison rate*
4.56%
Upfront fees
$0
Go to site
More info
interest rate
4.44%
comparison rate*
4.56%
Upfront fees
$0
Ongoing fees
$0.00
Discharge Fee
$250.00
Extra repayments
yes - free up to $20,000 p.a
Redraw facility
yes - fees apply
Offset account
no
Maximum loan to value ratio
95.00%
Minimum loan amount
$150,000
Type of loan
Fixed
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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
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
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
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
Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)
  • 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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Hunter United Credit Union Dream Home Loan - Platinum (Investment, LVR<75%)
  • 100% interest offset facility
  • 25% deposit required
  • No annual fee
variable rate
4.20%
comparison rate*
4.28%
Upfront fees
$350
Go to site
More 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
75.00%
Minimum loan amount
$300,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Investor
Repayment options
Weekly, Fortnightly, Monthly
Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier)
  • $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
4.22%
comparison rate*
4.62%
Upfront fees
$150
Go to site
More info
variable rate
4.22%
comparison rate*
4.62%
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
$1,499,999
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
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
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
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
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
Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)
  • 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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bankwest Complete Variable Home Loan (LVR<80% $200k-$1.5m, Owner Occupier)
  • $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
4.22%
comparison rate*
4.62%
Upfront fees
$150
Go to site
More info
variable rate
4.22%
comparison rate*
4.62%
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
$1,499,999
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier)
  • 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
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
Hunter United Credit Union Dream Home Loan - Platinum (Owner Occupier, LVR<90%)
  • 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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
Hunter United Credit Union Dream Home Loan - Platinum (Investment, LVR<75%)
  • 100% interest offset facility
  • 25% deposit required
  • No annual fee
variable rate
4.20%
comparison rate*
4.28%
Upfront fees
$350
Go to site
More 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
75.00%
Minimum loan amount
$300,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Investor
Repayment options
Weekly, Fortnightly, Monthly
State Custodians Standard Variable (LVR<80%, Investment)
  • Special Discounted Rate For Investors
  • P&I; or Interest Only Up to 10yrs
  • Free 100% Offset Account
variable rate
4.39%
comparison rate*
4.72%
Upfront fees
$275
Go to site
More info
variable rate
4.39%
comparison rate*
4.72%
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
Investor
Repayment options
Weekly, Fortnightly, Monthly
State Custodians Breathe Easy (LVR<80%, Investment)
  • $0 Annual Fee
  • Special Discounted Rate For Investors
  • Free 100% Offset Account
variable rate
4.52%
comparison rate*
4.55%
Upfront fees
$275
Go to site
More info
variable rate
4.52%
comparison rate*
4.55%
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
Investor
Repayment options
Weekly, Fortnightly, Monthly
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
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
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier, Investor
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan

Home Loan Switch and Save

Note that you must have a variable loan to use this tool.
  • pay off your home loan faster have lower repayments
  • My own home An investment property
  • !

    If it's there, please select your loan from the menu above.

    Note:

    • your loan may not be listed
    • even if it's listed your actual rate and fees may differ from those shown

    If necessary, please enter the correct values for your current loan in the fields.

  • Search
*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 based on the loan amount and term you entered, and applies only to this example. Fixed rate loans assume a 3 year fixed term. 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.

This table contains a selection of home loans available via Mozo. Not all available home loans are listed above. For a detailed search of home loans please visit mozo.com.au/home-loans
Mozo Pty Ltd ABN 68 128 199 208 | AFSL & ACL 328141
General advice disclaimer | FSG | Terms of Use | Privacy
News Corp Australia is not a credit licensee or registered person in relation to the credit activities being engaged in by Mozo, including on this page. Mozo has approved the contents of this document.