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.
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loans.com.au Move Fast Special (Owner Occupier)
  • Unlimited free redraws
  • Split loan facility
  • Available for purchase and refinance
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Go to site
More info
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Ongoing fees
$375.00 yearly
Discharge Fee
$550.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$50,000
Maximum loan amount
$500,000
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 - Home Loans 2016
  • No monthly fees
  • 20% Minimum deposit required
variable rate
3.74%from 16 May
comparison rate*
3.74%from 16 May
Upfront fees
$0
Go to site
More info
variable rate
3.74%from 16 May
comparison rate*
3.74%from 16 May
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 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
3.89%
comparison rate*
3.90%
Upfront fees
$0
Go to site
More info
variable rate
3.89%
comparison rate*
3.90%
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
Bank Australia Basic Home Loan Full Salary Credit (Owner Occupier)
  • No monthly fees
  • Redraw available
  • 3.98% p.a. variable rate
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
Greater Bank Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)
  • Experts Choice Winner 2016
  • No ongoing fee. No establishment fee
  • Free internet redraw facility
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
$300.00
Extra repayments
yes - free
Redraw facility
yes
Offset account
no
Maximum loan to value ratio
85.00%
Minimum loan amount
$150,000
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
$2,000,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier)
  • Experts Choice Winner 2016
  • 100% offset account. No establishment fee
  • Free internet redraw facility
variable rate
3.99%
comparison rate*
4.36%
Upfront fees
$0
Go to site
More info
variable rate
3.99%
comparison rate*
4.36%
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
85.00%
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
$375.00
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
Newcastle Permanent Discounted Variable Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • $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
variable rate
4.09%
comparison rate*
4.45%
Upfront fees
$0
Ongoing fees
$375.00 yearly
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$150,000
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
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
4.45%
comparison rate*
4.45%
Upfront fees
$0
Go to site
More info
variable rate
4.45%
comparison rate*
4.45%
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
loans.com.au Move Fast Special (Owner Occupier)
  • Unlimited free redraws
  • Split loan facility
  • Available for purchase and refinance
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Go to site
More info
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Ongoing fees
$375.00 yearly
Discharge Fee
$550.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$50,000
Maximum loan amount
$500,000
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 - Home Loans 2016
  • No monthly fees
  • 20% Minimum deposit required
variable rate
3.74%from 16 May
comparison rate*
3.74%from 16 May
Upfront fees
$0
Go to site
More info
variable rate
3.74%from 16 May
comparison rate*
3.74%from 16 May
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 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
3.89%
comparison rate*
3.90%
Upfront fees
$0
Go to site
More info
variable rate
3.89%
comparison rate*
3.90%
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
Bank Australia Basic Home Loan Full Salary Credit (Owner Occupier)
  • No monthly fees
  • Redraw available
  • 3.98% p.a. variable rate
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
Greater Bank Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)
  • Experts Choice Winner 2016
  • No ongoing fee. No establishment fee
  • Free internet redraw facility
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
$300.00
Extra repayments
yes - free
Redraw facility
yes
Offset account
no
Maximum loan to value ratio
85.00%
Minimum loan amount
$150,000
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
$2,000,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier)
  • Experts Choice Winner 2016
  • 100% offset account. No establishment fee
  • Free internet redraw facility
variable rate
3.99%
comparison rate*
4.36%
Upfront fees
$0
Go to site
More info
variable rate
3.99%
comparison rate*
4.36%
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
85.00%
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
$375.00
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
Newcastle Permanent Discounted Variable Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • $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
variable rate
4.09%
comparison rate*
4.45%
Upfront fees
$0
Ongoing fees
$375.00 yearly
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
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
$2,000,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
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
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
4.45%
comparison rate*
4.45%
Upfront fees
$0
Go to site
More info
variable rate
4.45%
comparison rate*
4.45%
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
Illawarra Credit Union Fixed Home Loan (Owner Occupier)
  • Redraw facilities
  • No transaction or account keeping fees
  • Flexible repayment options
interest rate
3.50%
fixed 1 year
comparison rate*
4.31%
Upfront fees
$600
Go to site
More info
interest rate
3.89%
comparison rate*
4.27%
Upfront fees
$600
Ongoing fees
$0.00
Discharge Fee
$250.00
Extra repayments
no
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$250,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Newcastle Permanent Fixed Rate Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • Borrow up to 95% of the property value
  • No ongoing account fees. Free extra repayments up to $25k p.a.
interest rate
3.74%
fixed 2 years
comparison rate*
5.04%
Upfront fees
$0
Go to site
More info
interest rate
3.99%
comparison rate*
4.98%
Upfront fees
$0
Ongoing fees
$0.00
Extra repayments
yes - free up to $25,000 p.a.
Redraw facility
no
Offset account
no
Maximum loan to value ratio
95.00%
Minimum loan amount
$5,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150k, Owner Occupier)
  • Experts Choice Winner 2016
  • Free redraw facility. No monthly fees
  • $0 application fee
interest rate
3.79%
fixed 1 year
comparison rate*
4.52%
Upfront fees
$0
Go to site
More info
interest rate
4.09%
comparison rate*
4.53%
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
85.00%
Minimum loan amount
$150,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Illawarra Credit Union Fixed Home Loan (Owner Occupier)
  • Redraw facilities
  • No transaction or account keeping fees
  • Flexible repayment options
interest rate
3.85%
fixed 2 years
comparison rate*
4.30%
Upfront fees
$600
Go to site
More info
interest rate
3.89%
comparison rate*
4.27%
Upfront fees
$600
Ongoing fees
$0.00
Discharge Fee
$250.00
Extra repayments
no
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$250,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
loans.com.au Fixed Home Loan (LVR<90%, Owner Occupier)
  • Lock in a great rate today
  • Available for purchase or refinance
  • 1, 2 or 3 year fixed rate options available
interest rate
3.99%
fixed 2 years
comparison rate*
3.91%
Upfront fees
$520
Go to site
More info
interest rate
3.99%
comparison rate*
3.91%
Upfront fees
$520
Ongoing fees
$0.00
Discharge Fee
$550.00
Extra repayments
yes - free up to $10,000 p.a.
Redraw facility
no
Offset account
no
Maximum loan to value ratio
90.00%
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
UBank UHomeLoan (Owner Occupier, Principal & Interest)
  • Experts Choice Winner - Home Loans 2016
  • Apply online and get a decision in just 30 minutes
  • Make additional repayments (fee applies)
interest rate
3.99%
fixed 3 years
comparison rate*
4.08%
Upfront fees
$395
Go to site
More info
interest rate
3.99%
comparison rate*
4.08%from 16 May
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
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
3.99%
fixed 3 years
comparison rate*
4.65%
Upfront fees
$150
Go to site
More info
interest rate
3.99%
comparison rate*
4.65%
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
Newcastle Permanent Fixed Rate Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • Borrow up to 95% of the property value
  • No ongoing account fees. Free extra repayments up to $25k p.a.
interest rate
3.99%
fixed 3 years
comparison rate*
4.98%
Upfront fees
$0
Go to site
More info
interest rate
3.99%
comparison rate*
4.98%
Upfront fees
$0
Ongoing fees
$0.00
Extra repayments
yes - free up to $25,000 p.a.
Redraw facility
no
Offset account
no
Maximum loan to value ratio
95.00%
Minimum loan amount
$5,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier)
  • 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
$375.00
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
Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150k, Owner Occupier)
  • Experts Choice Winner 2016
  • Free redraw facility. No monthly fees
  • $0 application fee
interest rate
4.09%
fixed 3 years
comparison rate*
4.53%
Upfront fees
$0
Go to site
More info
interest rate
4.09%
comparison rate*
4.53%
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
85.00%
Minimum loan amount
$150,000
Type of loan
Fixed
Repayment types
Principal & Interest, Interest Only
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Click Loans The Online Home Loan (Fixed)
  • Up to 95% LVR
  • No ongoing fees
  • Easy online application
interest rate
4.19%
fixed 2 years
comparison rate*
4.19%
Upfront fees
$363
Go to site
More info
interest rate
4.29%
comparison rate*
4.29%
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, Interest Only
Availability
Owner Occupier
Repayment options
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
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
no
Redraw facility
no
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
See all home loans
Health check my home loan
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 (Owner Occupier, Principal & Interest)
  • $0 upfront fees
  • No annual or monthly fees
  • Free extra repayments and redraw facility
variable rate
4.45%
comparison rate*
4.45%
Upfront fees
$0
Go to site
More info
variable rate
4.45%
comparison rate*
4.45%
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
loans.com.au Move Fast Special (Owner Occupier)
  • Unlimited free redraws
  • Split loan facility
  • Available for purchase and refinance
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Go to site
More info
variable rate
3.63%
comparison rate*
4.03%
Upfront fees
$520
Ongoing fees
$375.00 yearly
Discharge Fee
$550.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$50,000
Maximum loan amount
$500,000
Type of loan
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
loans.com.au Essentials Variable (LVR<80%, Owner Occupier)
  • Low interest rate
  • No monthly fees, Redraw available
  • For purchases or refinance
variable rate
3.84%
comparison rate*
3.86%
Upfront fees
$520
Go to site
More info
variable rate
3.84%
comparison rate*
3.86%
Upfront fees
$520
Ongoing fees
$0.00
Discharge Fee
$550.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
no
Maximum loan to value ratio
80.00%
Minimum loan amount
$50,000
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 - Home Loans 2016
  • No monthly fees
  • 20% Minimum deposit required
variable rate
3.74%from 16 May
comparison rate*
3.74%from 16 May
Upfront fees
$0
Go to site
More info
variable rate
3.74%from 16 May
comparison rate*
3.74%from 16 May
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
Greater Bank Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)
  • Experts Choice Winner 2016
  • No ongoing fee. No establishment fee
  • Free internet redraw facility
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
$300.00
Extra repayments
yes - free
Redraw facility
yes
Offset account
no
Maximum loan to value ratio
85.00%
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
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
4.45%
comparison rate*
4.45%
Upfront fees
$0
Go to site
More info
variable rate
4.45%
comparison rate*
4.45%
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
Newcastle Permanent Discounted Variable Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • $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
variable rate
4.09%
comparison rate*
4.45%
Upfront fees
$0
Ongoing fees
$375.00 yearly
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$150,000
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
3.89%
comparison rate*
3.90%
Upfront fees
$0
Go to site
More info
variable rate
3.89%
comparison rate*
3.90%
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
loans.com.au Offset Variable (LVR<80%, Owner Occupier)
  • Fully-featured, low rate home loan
  • For purchases or refinance, borrow up to 90% of the property value
  • Apply online
variable rate
3.89%
comparison rate*
3.91%
Upfront fees
$520
Go to site
More info
variable rate
3.89%
comparison rate*
3.91%
Upfront fees
$520
Ongoing fees
$0.00
Discharge Fee
$550.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
80.00%
Minimum loan amount
$50,000
Maximum loan amount
$1,000,000
Type of loan
Variable
Repayment types
Principal & Interest
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
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
$2,000,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
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
Newcastle Permanent Discounted Variable Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • $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
variable rate
4.09%
comparison rate*
4.45%
Upfront fees
$0
Ongoing fees
$375.00 yearly
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
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
See more home loans
See all home loans
Health check my home loan
Newcastle Permanent Discounted Variable Home Loan (Owner Occupier)
  • Experts Choice - Home Lender of the Year 2016
  • $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
variable rate
4.09%
comparison rate*
4.45%
Upfront fees
$0
Ongoing fees
$375.00 yearly
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$150,000
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
Illawarra Credit Union Variable Home Loan (Investment)
  • For new home loans over $250k only
  • No annual or ongoing fees
  • 100% Offset Account available with no transaction or account keeping fees
variable rate
4.35%
comparison rate*
4.49%
Upfront fees
$600
Go to site
More info
variable rate
4.35%
comparison rate*
4.49%
Upfront fees
$600
Ongoing fees
$8.00 monthly
Discharge Fee
$250.00
Extra repayments
yes - free
Redraw facility
yes - free
Offset account
yes
Maximum loan to value ratio
95.00%
Minimum loan amount
$250,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
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
$2,000,000
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
$2,000,000
Type of loan
Variable
Repayment types
Principal & Interest, Interest Only
Availability
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.

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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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