- promoted
loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)
loans.com.auloans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)
- A no-bells-and-whistles loan with a super-low rate available to purchases & refinance
- No monthly fees, Redraw facility with no minimum
- Split loan facility – up to five free splits with fixed rate or identical variable loan product
interest rate
3.64% p.a. variable
comparison rate*
3.66% p.a.
Upfront fees
$520
Go to site More info
- A no-bells-and-whistles loan with a super-low rate available to purchases & refinance
- No monthly fees, Redraw facility with no minimum
- Split loan facility – up to five free splits with fixed rate or identical variable loan product
- Interest rate: 3.64% p.a. variable
- Comparison rate*: 3.66% p.a.
- Upfront fees: $520
- Ongoing fees: $0.00
- Discharge fee: $0.00
- 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: $2,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)
UBankUBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)
- Experts Choice Winner - Home Loans 2016
- No monthly fees
- 20% minimum deposit required
interest rate
3.74% p.a. variable
comparison rate*
3.74% p.a.
Upfront fees
$0
Go to site More info
- Experts Choice Winner - Home Loans 2016
- No monthly fees
- 20% minimum deposit required
- Interest rate: 3.74% p.a. variable
- Comparison rate*: 3.74% p.a.
- 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
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- promoted
Australian Unity Kick Starter Home Loan (Owner Occupier)
Australian UnityAustralian 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
3.79% p.a. variable
comparison rate*
3.82% p.a.
Upfront fees
$600
Go to site More info
- No annual fee on a credit card of your choice
- Free transaction account with a Visa Debit
- Unlimited redraws ($500 min)
- Interest rate: 3.79% p.a. variable
- Comparison rate*: 3.82% p.a.
- 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
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- promoted
NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)
NABBig 4 DealNAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)
- Low ongoing rate
- No annual or monthly fees
- Free extra repayments and redraw facility
interest rate
4.17% p.a. variable
comparison rate*
4.22% p.a.
Upfront fees
$600
Go to site More info
- Low ongoing rate
- No annual or monthly fees
- Free extra repayments and redraw facility
- Interest rate: 4.17% p.a. variable
- Comparison rate*: 4.22% p.a.
- Upfront fees: $600
- Ongoing fees: $0.00
- Discharge fee: $350.00
- Extra repayments: yes - free
- Redraw facility: yes
- Offset account: no
- Maximum loan to value ratio: 95.00%
- Minimum loan amount: $20,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
State Custodians Low Rate Home Loan with Offset (LVR 80-90%, Owner Occupier)
State CustodiansState Custodians Low Rate Home Loan with Offset (LVR 80-90%, Owner Occupier)
- $0 Application Fee, Free Redraws, Extra Repayments
- P&I or Interest Only Up to 5yrs
- Free 100% Offset Account
interest rate
3.79% p.a. variable
comparison rate*
3.82% p.a.
Upfront fees
$286
Go to site More info
- $0 Application Fee, Free Redraws, Extra Repayments
- P&I or Interest Only Up to 5yrs
- Free 100% Offset Account
- Interest rate: 3.79% p.a. variable
- Comparison rate*: 3.82% p.a.
- Upfront fees: $286
- Ongoing fees: $0.00
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: yes
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $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
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CUA Kick Start Home Loan (Owner Occupier)
CUACUA Kick Start Home Loan (Owner Occupier)
- 2 year introductory variable rate. Limited time only
- Free redraw facility for easy access to additional payments
- No monthly or application fees
interest rate
3.79% p.a. variable for 24 months and then 3.99% p.a. variable
comparison rate*
4.00% p.a.
Upfront fees
$795
Go to site More info
- 2 year introductory variable rate. Limited time only
- Free redraw facility for easy access to additional payments
- No monthly or application fees
- Interest rate: 3.79% p.a. variable for 24 months and then 3.99% p.a. variable
- Comparison rate*: 4.00% p.a.
- 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: 90.00%
- Minimum loan amount: $100,000
- Maximum loan amount: $5,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
BCU OMG Home Loan (Owner Occupier)
BCUBCU OMG Home Loan (Owner Occupier)
- Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017
- Choose Principal and Interest or Interest Only options for your bcu OMG loan
- With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now
interest rate
3.84% p.a. variable
comparison rate*
4.09% p.a.
Upfront fees
$900
Go to site More info
- Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017
- Choose Principal and Interest or Interest Only options for your bcu OMG loan
- With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now
- Interest rate: 3.84% p.a. variable
- Comparison rate*: 4.09% p.a.
- Upfront fees: $900
- Ongoing fees: $198.00 yearly
- 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: $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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- promoted
Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)
Newcastle Permanent- Experts Choice - Home Lender of the Year 2016
- $0 application fee. 100% offset facility available
- Additional repayments and redraws at any time
interest rate
3.84% p.a. variable
comparison rate*
4.22% p.a.
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
- Interest rate: 3.84% p.a. variable
- Comparison rate*: 4.22% p.a.
- Upfront fees: $0
- Ongoing fees: $395.00 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
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
HSBC Discounted Home Value Loan (Owner Occupier)
HSBCHSBC Discounted Home Value Loan (Owner Occupier)
- Owner occupier only
- Available to new borrowings to HSBC of $50,000 or more
- Your own Personal Relationship Manager
interest rate
3.85% p.a. variable
comparison rate*
3.90% p.a.
Upfront fees
$750
Go to site More info
- Owner occupier only
- Available to new borrowings to HSBC of $50,000 or more
- Your own Personal Relationship Manager
- Interest rate: 3.85% p.a. variable
- Comparison rate*: 3.90% p.a.
- Upfront fees: $750
- Ongoing fees: $0.00
- Discharge fee: $300.00
- Extra repayments: yes - free
- Redraw facility: yes - free
- Offset account: no
- Maximum loan to value ratio: 90.00%
- Minimum loan amount: $50,000
- Maximum loan amount: $7,500,000
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)
Gateway Credit UnionGateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)
- Ability to make unlimited bulk repayments without penalty
- Offers borrowers up to three free splits
- Access extra features such as multiple offset accounts
interest rate
3.85% p.a. variable
comparison rate*
4.16% p.a.
Upfront fees
$0
Go to site More info
- Ability to make unlimited bulk repayments without penalty
- Offers borrowers up to three free splits
- Access extra features such as multiple offset accounts
- Interest rate: 3.85% p.a. variable
- Comparison rate*: 4.16% p.a.
- 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:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Bank Australia Basic Home Loan (LVR<80%, Owner Occupier)
Bank AustraliaBank Australia Basic Home Loan (LVR<80%, Owner Occupier)
- Option to fix full loan or split between fixed and variable
- Redraw available. Flexible repayments
- Loan repayment pause available
interest rate
3.87% p.a. variable
comparison rate*
3.88% p.a.
Upfront fees
$0
Go to site More info
- Option to fix full loan or split between fixed and variable
- Redraw available. Flexible repayments
- Loan repayment pause available
- Interest rate: 3.87% p.a. variable
- Comparison rate*: 3.88% p.a.
- Upfront fees: $0
- Ongoing fees: $0.00
- Discharge fee: $250.00
- 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:
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
QBANK Discounted Classic Home Loan (LVR<80%, Owner Occupier)
QBANKQLD OnlyQBANK Discounted Classic Home Loan (LVR<80%, Owner Occupier)
- Free online redraw
- No penalty for extra repayments
- No monthly fees
interest rate
3.88% p.a. variable
comparison rate*
3.89% p.a.
Upfront fees
$0
Go to site More info
- Free online redraw
- No penalty for extra repayments
- No monthly fees
- Interest rate: 3.88% p.a. variable
- Comparison rate*: 3.89% p.a.
- Upfront fees: $0
- 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: $150,000
- Maximum loan amount: $2,000,000
- Type of loan: Variable
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
QT Mutual Bank Mortgage Saver (Owner Occupier)
QT Mutual BankQT Mutual Bank Mortgage Saver (Owner Occupier)
- Owner occupiers in Queensland only
- Unlimited repayments at no extra cost and redraw
- Borrow up to 95% of the property value, ideal for first-time buyers & young families
interest rate
3.95% p.a. variable
comparison rate*
3.95% p.a.
Upfront fees
$0
Go to site More info
- Owner occupiers in Queensland only
- Unlimited repayments at no extra cost and redraw
- Borrow up to 95% of the property value, ideal for first-time buyers & young families
- Interest rate: 3.95% p.a. variable
- Comparison rate*: 3.95% p.a.
- Upfront fees: $0
- Ongoing fees: $0.00
- Discharge fee: $297.00
- Extra repayments: yes - free
- Redraw facility: yes - fees apply
- Offset account: no
- Maximum loan to value ratio: 95.00%
- Minimum loan amount: $20,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
AMP Essential Home Loan (Owner Occupier, Principal & Interest)
AMPAMP Essential Home Loan (Owner Occupier, Principal & Interest)
- Experts Choice Winner - Home Loans 2017
- Additional repayments anytime
- Waived establishment & settlement fees
interest rate
3.96% p.a. variable
comparison rate*
3.98% p.a.
Upfront fees
$295
Go to site More info
- Experts Choice Winner - Home Loans 2017
- Additional repayments anytime
- Waived establishment & settlement fees
- Interest rate: 3.96% p.a. variable
- Comparison rate*: 3.98% p.a.
- 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: $100,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)
Greater BankGreater Bank Discount 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% p.a. variable
comparison rate*
3.99% p.a.
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
- Interest rate: 3.99% p.a. variable
- Comparison rate*: 3.99% p.a.
- 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
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- promoted
Heritage Bank Discount Variable Home Loan Special (Owner Occupier)
Heritage BankHeritage Bank Discount Variable Home Loan Special (Owner Occupier)
- Experts Choice Winner - Best Value Variable Home Loan
- No ongoing fees
- Unlimited extra repayments
interest rate
3.99% p.a. variable
comparison rate*
4.04% p.a.
Upfront fees
$750
Go to site More info
- Experts Choice Winner - Best Value Variable Home Loan
- No ongoing fees
- Unlimited extra repayments
- Interest rate: 3.99% p.a. variable
- Comparison rate*: 4.04% p.a.
- Upfront fees: $750
- 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: 90.00%
- Minimum loan amount: $150,000
- Maximum loan amount:
- Type of loan: Variable
- Repayment types: Principal & Interest
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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- promoted
Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier) (Package)
Australian UnityAustralian 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
3.99% p.a. variable
comparison rate*
4.02% p.a.
Upfront fees
$600
Go to site More info
- No annual fee on a credit card of your choice
- 100% offset facility
- Owner occupied only
- Interest rate: 3.99% p.a. variable
- Comparison rate*: 4.02% p.a.
- 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
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- promoted
CUA Fresh Start Basic Variable Home Loan (Owner Occupier)
CUACUA 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% p.a. variable
comparison rate*
4.04% p.a.
Upfront fees
$795
Go to site More info
- Low interest rate
- No ongoing fees
- Free redraw facility for easy access to additional payments
- Interest rate: 3.99% p.a. variable
- Comparison rate*: 4.04% p.a.
- 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: 90.00%
- 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
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- promoted
ME Flexible Home Loan (Fixed, Owner Occupier)
MEME Flexible Home Loan (Fixed, Owner Occupier)
- Option to split your loan into fixed and variable
- Offset available & no fees to redraw
- Meet a mobile banker at a time or place that suits you
interest rate
4.09% p.a.
fixed 2 yearscomparison rate*
4.88% p.a.
Upfront fees
$400
Go to site More info
- Option to split your loan into fixed and variable
- Offset available & no fees to redraw
- Meet a mobile banker at a time or place that suits you
- Interest rate: 4.09% p.a.
fixed 2 years - Comparison rate*: 4.88% p.a.
- Upfront fees: $400
- Ongoing fees: $0.00
- Discharge fee: $300.00
- Extra repayments: yes - free up to $30,000 during fixed rate period
- Redraw facility: no
- Offset account: no
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $40,000
- Maximum loan amount:
- Type of loan: Fixed
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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ME Flexible Home Loan (Fixed, Owner Occupier)
MEME Flexible Home Loan (Fixed, Owner Occupier)
- Option to split your loan into fixed and variable
- Offset available & no fees to redraw
- Meet a mobile banker at a time or place that suits you
interest rate
4.19% p.a.
fixed 3 yearscomparison rate*
4.82% p.a.
Upfront fees
$400
Go to site More info
- Option to split your loan into fixed and variable
- Offset available & no fees to redraw
- Meet a mobile banker at a time or place that suits you
- Interest rate: 4.19% p.a.
fixed 3 years - Comparison rate*: 4.82% p.a.
- Upfront fees: $400
- Ongoing fees: $0.00
- Discharge fee: $300.00
- Extra repayments: yes - free up to $30,000 during fixed rate period
- Redraw facility: no
- Offset account: no
- Maximum loan to value ratio: 80.00%
- Minimum loan amount: $40,000
- Maximum loan amount:
- Type of loan: Fixed
- Repayment types: Principal & Interest, Interest Only
- Availability: Owner Occupier
- Repayment options: Weekly, Fortnightly, Monthly
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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 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.