Find the cheapest home loan by comparing the best rates

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Mortgage House Advantage Discounted Variable Home Loan 70 (Owner Occupier)
  • We will pay your switching cost
  • No monthly or annual fees
  • Low interest rate
variable rate
3.69% variable for 6 months and then 4.19%
comparison rate*
4.19%
Upfront fees
$200
Go to site
More info
variable rate
3.69% variable for 6 months and then 4.19%
comparison rate*
4.19%
Upfront fees
$200
Ongoing fees
$0.00
Discharge Fee
$450.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
70.00%
Minimum loan amount
$150,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bank Australia Basic Home Loan Full Salary Credit (Owner Occupier)
  • No monthly fees
  • Redraw available
  • Option to fix full loan or split between fixed and variable
variable rate
3.98%
comparison rate*
4.02%
Upfront fees
$595
Go to site
More info
variable rate
3.98%
comparison rate*
4.02%
Upfront fees
$595
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
$10,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier, Principal & Interest)
  • Ability to make unlimited bulk repayments without penalty
  • Offers borrowers up to four free splits
  • Access extra features such as multiple offset accounts
variable rate
3.98%
comparison rate*
4.28%
Upfront fees
$0
Go to site
More info
variable rate
3.98%
comparison rate*
4.28%
Upfront fees
$0
Ongoing fees
$299.00 yearly
Discharge Fee
$300.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes - free
Maximum loan to value ratio
80.00%
Minimum loan amount
$150,000
Maximum loan amount
$1,000,000
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
IMB Bank Budget Home Loan (LVR<80%, 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
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
80.00%
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
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
4.10%
comparison rate*
4.14%
Upfront fees
$595
Go to site
More info
variable rate
4.10%
comparison rate*
4.14%
Upfront fees
$595
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
$10,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
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 5yrs
  • 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
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
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
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 (Owner Occupier, 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
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
Mortgage House Advantage Discounted Variable Home Loan 70 (Owner Occupier)
  • We will pay your switching cost
  • No monthly or annual fees
  • Low interest rate
variable rate
3.69% variable for 6 months and then 4.19%
comparison rate*
4.19%
Upfront fees
$200
Go to site
More info
variable rate
3.69% variable for 6 months and then 4.19%
comparison rate*
4.19%
Upfront fees
$200
Ongoing fees
$0.00
Discharge Fee
$450.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
70.00%
Minimum loan amount
$150,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Bank Australia Basic Home Loan Full Salary Credit (Owner Occupier)
  • No monthly fees
  • Redraw available
  • Option to fix full loan or split between fixed and variable
variable rate
3.98%
comparison rate*
4.02%
Upfront fees
$595
Go to site
More info
variable rate
3.98%
comparison rate*
4.02%
Upfront fees
$595
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
$10,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier, Principal & Interest)
  • Ability to make unlimited bulk repayments without penalty
  • Offers borrowers up to four free splits
  • Access extra features such as multiple offset accounts
variable rate
3.98%
comparison rate*
4.28%
Upfront fees
$0
Go to site
More info
variable rate
3.98%
comparison rate*
4.28%
Upfront fees
$0
Ongoing fees
$299.00 yearly
Discharge Fee
$300.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes - free
Maximum loan to value ratio
80.00%
Minimum loan amount
$150,000
Maximum loan amount
$1,000,000
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
IMB Bank Budget Home Loan (LVR<80%, 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
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
80.00%
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
State Custodians Standard Variable (LVR<80%, Owner Occupier)
  • Special Discounted Rate For Owner Occupiers
  • P&I; or Interest Only Up to 5yrs
  • 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
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
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
4.10%
comparison rate*
4.14%
Upfront fees
$595
Go to site
More info
variable rate
4.10%
comparison rate*
4.14%
Upfront fees
$595
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
$10,000
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
iMortgage Elite 80 (Principal & Interest, Owner Occupier)
  • $0 application, legal and valuation fees
  • 100% Offset available on variable rate loans ($198 pa fee applies)
  • Low rate for the life of the loan
variable rate
4.14%
comparison rate*
4.15%
Upfront fees
$0
Go to site
More info
variable rate
4.14%
comparison rate*
4.15%
Upfront fees
$0
Ongoing fees
$0.00
Discharge Fee
$400.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
Optional - $198 annual fee
Maximum loan to value ratio
80.00%
Minimum loan amount
$150,000
Maximum loan amount
$5,000,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
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*
4.32%
Upfront fees
$350
Go to site
More info
variable rate
4.20%
comparison rate*
4.32%
Upfront fees
$350
Ongoing fees
$8.00 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
Liberty Star Home Loan (LVR<70%, Owner Occupier)
  • 100% offset
  • Free redraw
  • Options to fix
variable rate
4.24%
comparison rate*
4.54%
Upfront fees
$0
Go to site
More info
variable rate
4.24%
comparison rate*
4.54%
Upfront fees
$0
Ongoing fees
$295.00 yearly
Discharge Fee
$395.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
70.00%
Minimum loan amount
$50,000
Maximum loan amount
$1,500,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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
$0
Go to site
More info
variable rate
4.24%
comparison rate*
4.61%
Upfront fees
$0
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
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
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
Macquarie Flyer Home Loan Offer (Owner Occupier, LVR<80%, up to $750k)
  • Earn up to 160,000 Qantas Points on a $500,000 loan
  • Free Qantas Frequent Flyer membership (save $89.50)
  • 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
Macquarie Basic Home Loan Offer (Owner Occupier, LVR<80%, up to $750k)
  • A low rate home loan with no application fee
  • 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
NAB Base Variable Rate Home Loan (Owner Occupier, 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
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
$0
Go to site
More info
interest rate
4.09%
comparison rate*
4.71%
Upfront fees
$0
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*
4.76%
Upfront fees
$350
Go to site
More info
comparison rate*
n/a
Upfront fees
$350
Ongoing fees
$8.00 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
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
IMB Bank Fixed Home Loan (LVR<90%, Owner Occupier)
  • Free extra repayments up to 1 year in advance
  • Free internet and mobile banking redraws
  • Borrow up to 90% of the property value
interest rate
4.15%
fixed 3 years
comparison rate*
4.90%
Upfront fees
$769
Go to site
More info
interest rate
4.15%
comparison rate*
4.90%
Upfront fees
$769
Ongoing fees
$6.00 monthly
Extra repayments
yes - free up to 1 year in advance
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
90.00%
Minimum loan amount
$10,000
Maximum loan amount
$5,000,000
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
4.19%
fixed 3 years
comparison rate*
5.04%
Upfront fees
$150
Go to site
More info
interest rate
4.19%
comparison rate*
5.04%
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
Click Loans The Online Home Loan (Owner Occupier, Principal & Interest)
  • Up to 95% LVR
  • No ongoing fees
  • Easy online application
interest rate
4.19%
fixed 2 years
comparison rate*
4.34%
Upfront fees
$363
Go to site
More info
interest rate
4.29%
comparison rate*
4.53%
Upfront fees
$363
Ongoing fees
$0.00
Discharge Fee
$400.00
Extra repayments
yes - free up to $10,000 p.a.
Redraw facility
yes - free
Offset account
Optional - $198 annual fee
Maximum loan to value ratio
95.00%
Minimum loan amount
$150,000
Maximum loan amount
$750,000
Type of loan
Fixed
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
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 (Owner Occupier, Principal & Interest)
  • 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
Repayment options
Weekly, Fortnightly, Monthly
Liberty Fixed Rate Home Loan (Owner Occupier)
  • 1, 2 and 3 year fixed options
  • No upfront fees
  • Free redraw
interest rate
4.39%
fixed 3 years
comparison rate*
4.94%
Upfront fees
$0
Go to site
More info
interest rate
4.39%
comparison rate*
4.94%
Upfront fees
$0
Ongoing fees
$295.00 yearly
Discharge Fee
$395.00
Extra repayments
yes - free
Redraw facility
no
Offset account
no
Maximum loan to value ratio
85.00%
Minimum loan amount
$50,000
Maximum loan amount
$1,000,000
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*
4.59%
Upfront fees
$595
Go to site
More info
interest rate
4.44%
comparison rate*
4.59%
Upfront fees
$595
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
$10,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
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Health check my home loan
Macquarie Basic Home Loan Offer (Owner Occupier, LVR<80%, up to $750k)
  • A low rate home loan with no application fee
  • 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%, up to $750k)
  • Earn up to 160,000 Qantas Points on a $500,000 loan
  • Free Qantas Frequent Flyer membership (save $89.50)
  • 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 (Owner Occupier, 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
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
4.10%
comparison rate*
4.14%
Upfront fees
$595
Go to site
More info
variable rate
4.10%
comparison rate*
4.14%
Upfront fees
$595
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
$10,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
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
IMB Bank Budget Home Loan (LVR<80%, 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
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
80.00%
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
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*
4.32%
Upfront fees
$350
Go to site
More info
variable rate
4.20%
comparison rate*
4.32%
Upfront fees
$350
Ongoing fees
$8.00 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
Liberty Star Home Loan (LVR<70%, Owner Occupier)
  • 100% offset
  • Free redraw
  • Options to fix
variable rate
4.24%
comparison rate*
4.54%
Upfront fees
$0
Go to site
More info
variable rate
4.24%
comparison rate*
4.54%
Upfront fees
$0
Ongoing fees
$295.00 yearly
Discharge Fee
$395.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
70.00%
Minimum loan amount
$50,000
Maximum loan amount
$1,500,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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
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
Macquarie Flyer Home Loan Offer (Owner Occupier, LVR<80%, up to $750k)
  • Earn up to 160,000 Qantas Points on a $500,000 loan
  • Free Qantas Frequent Flyer membership (save $89.50)
  • 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
Liberty Sharp Home Loan (LVR 70-80%, Owner Occupier)
  • Great low rate
  • No on-going fees
  • Set and forget
variable rate
4.34%
comparison rate*
4.41%
Upfront fees
$995
Go to site
More info
variable rate
4.34%
comparison rate*
4.41%
Upfront fees
$995
Ongoing fees
$0.00
Discharge Fee
$395.00
Extra repayments
yes - free
Redraw facility
yes - fees apply
Offset account
No
Maximum loan to value ratio
80.00%
Minimum loan amount
$100,000
Maximum loan amount
$500,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
NAB Base Variable Rate Home Loan (Owner Occupier, 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
Repayment options
Weekly, Fortnightly, Monthly
See more home loans
See all home loans
Health check my home loan
Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier, Principal & Interest)
  • Ability to make unlimited bulk repayments without penalty
  • Offers borrowers up to four free splits
  • Access extra features such as multiple offset accounts
variable rate
3.98%
comparison rate*
4.28%
Upfront fees
$0
Go to site
More info
variable rate
3.98%
comparison rate*
4.28%
Upfront fees
$0
Ongoing fees
$299.00 yearly
Discharge Fee
$300.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes - free
Maximum loan to value ratio
80.00%
Minimum loan amount
$150,000
Maximum loan amount
$1,000,000
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 5yrs
  • 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
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
iMortgage Elite 80 (Principal & Interest, Owner Occupier)
  • $0 application, legal and valuation fees
  • 100% Offset available on variable rate loans ($198 pa fee applies)
  • Low rate for the life of the loan
variable rate
4.14%
comparison rate*
4.15%
Upfront fees
$0
Go to site
More info
variable rate
4.14%
comparison rate*
4.15%
Upfront fees
$0
Ongoing fees
$0.00
Discharge Fee
$400.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
Optional - $198 annual fee
Maximum loan to value ratio
80.00%
Minimum loan amount
$150,000
Maximum loan amount
$5,000,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
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*
4.32%
Upfront fees
$350
Go to site
More info
variable rate
4.20%
comparison rate*
4.32%
Upfront fees
$350
Ongoing fees
$8.00 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
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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
4.10%
comparison rate*
4.14%
Upfront fees
$595
Go to site
More info
variable rate
4.10%
comparison rate*
4.14%
Upfront fees
$595
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
$10,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Liberty Free Variable Home Loan (LVR 90-95%, Owner Occupier)
  • Low deposit
  • Non-genuine savings
  • No upfront or ongoing fees
variable rate
5.09%
comparison rate*
5.12%
Upfront fees
$330
Go to site
More info
variable rate
5.09%
comparison rate*
5.12%
Upfront fees
$330
Ongoing fees
$0.00
Discharge Fee
$395.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$50,000
Maximum loan amount
$1,000,000
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
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*
4.32%
Upfront fees
$350
Go to site
More info
variable rate
4.20%
comparison rate*
4.32%
Upfront fees
$350
Ongoing fees
$8.00 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
Liberty Free Variable Home Loan (LVR 90-95%, Owner Occupier)
  • Low deposit
  • Non-genuine savings
  • No upfront or ongoing fees
variable rate
5.09%
comparison rate*
5.12%
Upfront fees
$330
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More info
variable rate
5.09%
comparison rate*
5.12%
Upfront fees
$330
Ongoing fees
$0.00
Discharge Fee
$395.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$50,000
Maximum loan amount
$1,000,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
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NAB Base Variable Rate Home Loan (Owner Occupier, 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
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
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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
See more home loans
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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.

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*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
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