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Home Loans

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

Home loan comparisons Rates updated daily

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

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

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% Minimum deposit required

    interest rate

    3.74% variable

    comparison rate*

    3.74%

    Upfront fees

    $0

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    More info

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% Minimum deposit required
    Product info
    • Interest rate: 3.74% variable
    • Comparison rate*: 3.74%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

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

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    interest rate

    3.74% variable

    comparison rate*

    4.10%

    Upfront fees

    $0

    		 Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    Product info
    • Interest rate: 3.74% variable
    • Comparison rate*: 4.10%
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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    More info

  • Australian Unity Kick Starter Home Loan (Owner Occupier)

    Australian Unity Kick Starter Home Loan (Owner Occupier)

    • No annual fee on a credit card of your choice
    • Free transaction account with a visa debit
    • Unlimited redraws ($500 min)

    interest rate

    3.85% variable

    comparison rate*

    3.88%

    Upfront fees

    $600

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    More info

    • No annual fee on a credit card of your choice
    • Free transaction account with a visa debit
    • Unlimited redraws ($500 min)
    Product info
    • Interest rate: 3.85% variable
    • Comparison rate*: 3.88%
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $375.00
    • 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: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier, Principal & Interest) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier, Principal & Interest) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to four free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.89% variable

    comparison rate*

    4.19%

    Upfront fees

    $0

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    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to four free splits
    • Access extra features such as multiple offset accounts
    Product info
    • Interest rate: 3.89% variable
    • Comparison rate*: 4.19%
    • 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
    Need more information?
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  • Hunter United Get A Better Home Loan - Refinance (Owner Occupier)

    Hunter United Get A Better Home Loan - Refinance (Owner Occupier)

    • $0 application fee when refinancing from another lender
    • 100% interest offset facility & redraw
    • Only 10% deposit for Owner Occupiers

    interest rate

    3.95% variable

    comparison rate*

    4.05%

    Upfront fees

    $0

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    More info

    • $0 application fee when refinancing from another lender
    • 100% interest offset facility & redraw
    • Only 10% deposit for Owner Occupiers
    Product info
    • Interest rate: 3.95% variable
    • Comparison rate*: 4.05%
    • Upfront fees: $0
    • 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
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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    More info

  • Bank Australia Home Loan - (Full Salary Credit, LVR<80%, Owner Occupier)

    Bank Australia Home Loan - (Full Salary Credit, LVR<80%, Owner Occupier)

    • No monthly fees
    • Redraw available
    • Flexible repayments

    interest rate

    3.98% variable

    comparison rate*

    3.99%

    Upfront fees

    $0

    		 Go to site

    More info

    • No monthly fees
    • Redraw available
    • Flexible repayments
    Product info
    • Interest rate: 3.98% variable
    • 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: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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    More info

  • Greater Bank Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    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
    • NSW, QLD, ACT customers only

    interest rate

    3.99% variable

    comparison rate*

    3.99%

    Upfront fees

    $0

    		 Go to site

    More info

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only
    Product info
    • Interest rate: 3.99% variable
    • 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
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments

    interest rate

    3.99% variable

    comparison rate*

    4.04%

    Upfront fees

    $795

    		 Go to site

    More info

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments
    Product info
    • Interest rate: 3.99% variable
    • Comparison rate*: 4.04%
    • Upfront fees: $795
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Liberty Sharp Home Loan (LVR<70%, Owner Occupier)

    Liberty Sharp Home Loan (LVR<70%, Owner Occupier)

    • Great low rate
    • No on-going fees
    • Set and forget

    interest rate

    3.99% variable

    comparison rate*

    4.06%

    Upfront fees

    $995

    		 Go to site

    More info

    • Great low rate
    • No on-going fees
    • Set and forget
    Product info
    • Interest rate: 3.99% variable
    • Comparison rate*: 4.06%
    • 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: 70.00%
    • 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
    Need more information?
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  • Liberty Star Home Loan (LVR<70%, Owner Occupier)

    Liberty Star Home Loan (LVR<70%, Owner Occupier)

    • 100% offset
    • Free redraw
    • Options to fix

    interest rate

    3.99% variable

    comparison rate*

    4.29%

    Upfront fees

    $0

    		 Go to site

    More info

    • 100% offset
    • Free redraw
    • Options to fix
    Product info
    • Interest rate: 3.99% variable
    • Comparison rate*: 4.29%
    • 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
    Need more information?
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  • Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier) (Package)

    Greater Bank Discount Ultimate Home Loan (LVR<85%, over $150K, Owner Occupier) (Package)

    • Experts Choice Winner 2016
    • 100% offset account. No establishment fee
    • Free internet redraw facility

    interest rate

    3.99% variable

    comparison rate*

    4.36%

    Upfront fees

    $0

    		 Go to site

    More info

    • Experts Choice Winner 2016
    • 100% offset account. No establishment fee
    • Free internet redraw facility
    Product info
    • Interest rate: 3.99% variable
    • 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
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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    More info

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

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

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

    interest rate

    4.00% variable

    comparison rate*

    4.03%

    Upfront fees

    $600

    		 Go to site

    More info

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only
    Product info
    • Interest rate: 4.00% variable
    • Comparison rate*: 4.03%
    • 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
    Need more information?
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  • Bankwest Complete Variable Home Loan (LVR<90%, Owner Occupier) (Package)

    Bankwest Complete Variable Home Loan (LVR<90%, Owner Occupier) (Package)

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

    interest rate

    4.02% variable

    comparison rate*

    4.43%

    Upfront fees

    $150

    		 Go to site

    More info

    • $0 home loan application fees
    • $0 annual fee on your choice of a rewards credit card
    • $0 property valuation fees with your home loan application
    Product info
    • Interest rate: 4.02% variable
    • Comparison rate*: 4.43%
    • 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: 90.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

  • AMP Essential Home Loan (Owner Occupier)

    AMP Essential Home Loan (Owner Occupier)

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees

    interest rate

    4.08% variable

    comparison rate*

    4.10%

    Upfront fees

    $295

    		 Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees
    Product info
    • Interest rate: 4.08% variable
    • 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
    Need more information?
    Go to site

    More info

  • Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

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

    interest rate

    4.10% variable

    comparison rate*

    4.11%

    Upfront fees

    $0

    		 Go to site

    More info

    • No monthly fees
    • Redraw available
    • Option to fix full loan or split between fixed and variable
    Product info
    • Interest rate: 4.10% variable
    • Comparison rate*: 4.11%
    • 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: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
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  • Illawarra Credit Union Variable Home Loan (Owner Occupier)

    Illawarra Credit Union Variable Home Loan (Owner Occupier)

    • For new home loans over $250k only
    • No annual or ongoing fees
    • 100% Offset Account available with no transaction or account keeping fees

    interest rate

    4.15% variable

    comparison rate*

    4.15%

    Upfront fees

    $600

    		 Go to site

    More info

    • For new home loans over $250k only
    • No annual or ongoing fees
    • 100% Offset Account available with no transaction or account keeping fees
    Product info
    • Interest rate: 4.15% variable
    • Comparison rate*: 4.15%
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • 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
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

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

    NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

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

    interest rate

    4.20% variable

    comparison rate*

    4.21%

    Upfront fees

    $0

    		 Go to site

    More info

    • $0 upfront fees
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    Product info
    • Interest rate: 4.20% variable
    • Comparison rate*: 4.21%
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

Look for a specific type of home loan:

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

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