Purchase: Credit Score Calculator

Looking for a home loan?

Buying a home or looking to refinance? The table below features home loans
with some of the lowest interest rates on the market for owner occupiers.

Loan amount

Compare

Lender	Advertised rate	Comparison rate*	Monthly repayment	Rate Type	Ongoing Fee	Upfront Fees	LVR	as of August 11, 2022

	3.10^%_p.a.	3.12^%_p.a.	^$1,708	Variable	^$0	^$520	70^%	More details
FEATURED	Variable Home Loan (LVR < 70%) Min 30% deposit No monthly or ongoing fees, add 0.10% for offset Unlimited redraws
FEATURED Variable Home Loan (LVR < 70%) Min 30% deposit No monthly or ongoing fees, add 0.10% for offset Unlimited redraws More details
	3.14^%_p.a.	3.06^%_p.a.	^$1,717	Variable	^$0	^$0	80^%	More details
FEATUREDREFINANCE ONLY	Variable Rate Home Loan – Refinance Only A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
FEATUREDREFINANCE ONLY Variable Rate Home Loan – Refinance Only A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank. More details
	3.14^%_p.a.	3.14^%_p.a.	^$1,717	Variable	^$0	^$0	60^%	More details
FEATURED100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES	Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%) No upfront or ongoing fees 100% full offset account Extra repayments + redraw services
FEATURED100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%) No upfront or ongoing fees 100% full offset account Extra repayments + redraw services More details
	3.64^%_p.a.	3.66^%_p.a.	^$1,828	Variable	^$250	^$250	60^%	More details
FEATUREDAN EASY DIGITAL APPLICATION	Neat Variable Home Loan (Principal and Interest) (LVR < 60%) No ongoing fees - None! Unlimited additional repayments Easy online application, find out if you're approved quick! Redraw- Access your additional payments if you need them Use the app to get loan insights to help you pay off your home loan faster
FEATUREDAN EASY DIGITAL APPLICATION Neat Variable Home Loan (Principal and Interest) (LVR < 60%) No ongoing fees - None! Unlimited additional repayments Easy online application, find out if you're approved quick! Redraw- Access your additional payments if you need them Use the app to get loan insights to help you pay off your home loan faster More details
	3.09^%_p.a.	3.00^%_p.a.	^$1,706	Variable	^$0	^$0	80^%	More details
QLD/NSW/VIC/SA METRO & INNER REGIONAL AREAS	Variable Home Loan (Principal and Interest) $5000 Cashback. T&Cs Apply.
QLD/NSW/VIC/SA METRO & INNER REGIONAL AREAS Variable Home Loan (Principal and Interest) $5000 Cashback. T&Cs Apply. More details
	3.19^%_p.a.	3.45^%_p.a.	^$1,728	Variable	^$248	^$363	60^%	More details
100% FULL OFFSET ACCOUNT	Offset Package Home Loan (Principal and Interest) (LVR < 60%) $5000 Cashback. T&Cs Apply.
100% FULL OFFSET ACCOUNT Offset Package Home Loan (Principal and Interest) (LVR < 60%) $5000 Cashback. T&Cs Apply. More details
	3.24^%_p.a.	3.31^%_p.a.	^$1,739	Variable	^$0	^$887	60^%	More details
100% FULL OFFSET ACCOUNT	Ocean Owner Occupied (Amounts < $1m, LVR < 60%) $5000 Cashback. T&Cs Apply.
100% FULL OFFSET ACCOUNT Ocean Owner Occupied (Amounts < $1m, LVR < 60%) $5000 Cashback. T&Cs Apply. More details
	3.24^%_p.a.	3.24^%_p.a.	^$1,739	Variable	^$0	^$0	80^%	More details
NO UPFRONT OR ONGOING FEES	Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 80%) $5000 Cashback. T&Cs Apply.
NO UPFRONT OR ONGOING FEES Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 80%) $5000 Cashback. T&Cs Apply. More details
	3.29^%_p.a.	3.33^%_p.a.	^$1,750	Variable	^$0	^$445	80^%	More details
NO ONGOING FEES	Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80% $5000 Cashback. T&Cs Apply.
NO ONGOING FEES Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80% $5000 Cashback. T&Cs Apply. More details
	3.19^%_p.a.	3.19^%_p.a.	^$1,728	Variable	^$0	^$363	60^%	More details
UNLIMITED EXTRA REPAYMENTS	Basic Home Loan (Principal and Interest) (LVR < 60%) $5000 Cashback. T&Cs Apply.
UNLIMITED EXTRA REPAYMENTS Basic Home Loan (Principal and Interest) (LVR < 60%) $5000 Cashback. T&Cs Apply. More details
	3.84^%_p.a.	3.86^%_p.a.	^$1,873	Variable	^$250	^$250	80^%	More details
EASY DIGITAL APPLICATION	Neat Variable Home Loan (Principal and Interest) (LVR 70%-80%) $5000 Cashback. T&Cs Apply.
EASY DIGITAL APPLICATION Neat Variable Home Loan (Principal and Interest) (LVR 70%-80%) $5000 Cashback. T&Cs Apply. More details
	3.34^%_p.a.	3.34^%_p.a.	^$1,761	Variable	^$0	^$363	80^%	More details
GREAT FLEXIBLE LOAN OPTIONS	Basic Home Loan (Principal and Interest) (LVR 70%-80%) $5000 Cashback. T&Cs Apply.
GREAT FLEXIBLE LOAN OPTIONS Basic Home Loan (Principal and Interest) (LVR 70%-80%) $5000 Cashback. T&Cs Apply. More details
	3.60^%_p.a.	3.96^%_p.a.	^$1,819	Variable	^$0	^$520	80^%	More details
UNLIMITED REDRAWS	Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%) $5000 Cashback. T&Cs Apply.
UNLIMITED REDRAWS Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%) $5000 Cashback. T&Cs Apply. More details
	3.79^%_p.a.	3.79^%_p.a.	^$1,862	Variable	^$0	^$0	60^%	More details
ZERO APPLICATION FEESFEE FREE OFFSET	Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest) $5000 Cashback. T&Cs Apply.
ZERO APPLICATION FEESFEE FREE OFFSET Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest) $5000 Cashback. T&Cs Apply. More details
	4.04^%_p.a.	4.04^%_p.a.	^$1,919	Variable	^$0	^$0	95^%	More details
NO UPFRONT OR ONGOING FEES	Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%) $5000 Cashback. T&Cs Apply.
NO UPFRONT OR ONGOING FEES Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%) $5000 Cashback. T&Cs Apply. More details
	4.23^%_p.a.	4.25^%_p.a.	^$1,963	Variable	^$0	^$520	80^%	More details
	Smart Home Loan (Principal and Interest) (LVR < 80%) $5000 Cashback. T&Cs Apply.
Smart Home Loan (Principal and Interest) (LVR < 80%) $5000 Cashback. T&Cs Apply. More details
	4.44^%_p.a.	4.44^%_p.a.	^$2,013	Variable	^$5	^$910	95^%	More details
	Standard Variable Home Loan (Principal and Interest) (LVR > 80%) $5000 Cashback. T&Cs Apply.
Standard Variable Home Loan (Principal and Interest) (LVR > 80%) $5000 Cashback. T&Cs Apply. More details
	5.77^%_p.a.	5.90^%_p.a.	^$2,339	Variable	^$8	^$0	95^%	More details
	Tailored Home Loan (Principal and Interest) $5000 Cashback. T&Cs Apply.
Tailored Home Loan (Principal and Interest) $5000 Cashback. T&Cs Apply. More details
	3.63^%_p.a.	4.05^%_p.a.	^$1,825	Variable	^$0	^$520	90^%	More details
FEATURED	Green Home Loan (Principal and Interest) Low rate home loan with added benefits, add offset for 0.10% Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old Get a 7.0 star NatHERS rating or higher for up to 1.59% discount on your variable rate home loan T&Cs apply
FEATURED Green Home Loan (Principal and Interest) Low rate home loan with added benefits, add offset for 0.10% Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old Get a 7.0 star NatHERS rating or higher for up to 1.59% discount on your variable rate home loan T&Cs apply More details
	5.19^%_p.a.	4.27^%_p.a.	^$2,194	Fixed	^$250	^$250	80^%	More details
FEATUREDUSE A MARKET LEADING APP TO HELP YOU PAY OFF YOUR LOAN SOONER	Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
FEATUREDUSE A MARKET LEADING APP TO HELP YOU PAY OFF YOUR LOAN SOONER Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	3.89^%_p.a.	3.84^%_p.a.	^$1,884	Variable	^$0	^$0	80^%	More details
THE MORE YOU PAY THE LOWER YOUR RATE	Owner Occupier Accelerates - Liberate (LVR 70%-80%) (Principal and Interest) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
THE MORE YOU PAY THE LOWER YOUR RATE Owner Occupier Accelerates - Liberate (LVR 70%-80%) (Principal and Interest) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.39^%_p.a.	5.86^%_p.a.	^$2,244	Fixed	^$8	^$0	95^%	More details
	Tailored Home Loan Fixed (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Tailored Home Loan Fixed (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	3.84^%_p.a.	3.81^%_p.a.	^$1,873	Variable	^$0	^$0	70^%	More details
NO UPFRONT OR ONGOING FEES	Owner Occupier Accelerates - Evaporate (LVR 60%-70%) (Principal and Interest) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
NO UPFRONT OR ONGOING FEES Owner Occupier Accelerates - Evaporate (LVR 60%-70%) (Principal and Interest) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	4.89^%_p.a.	5.87^%_p.a.	^$2,120	Fixed	^$8	^$600	70^%	More details
	Fixed Options Home Loan (Principal and Interest) 1 Year (LVR < 70%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Fixed Options Home Loan (Principal and Interest) 1 Year (LVR < 70%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.54^%_p.a.	4.65^%_p.a.	^$2,281	Fixed	^$10	^$910	95^%	More details
	Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR > 80%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR > 80%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.39^%_p.a.	4.92^%_p.a.	^$2,244	Fixed	^$250	^$250	85^%	More details
	Own Home Loan Fixed (Principal and Interest) 1 Year (LVR 80%-85%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Own Home Loan Fixed (Principal and Interest) 1 Year (LVR 80%-85%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	4.24^%_p.a.	4.24^%_p.a.	^$1,965	Variable	^$5	^$910	80^%	More details
	Standard Variable Home Loan (Principal and Interest) (LVR < 80%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Standard Variable Home Loan (Principal and Interest) (LVR < 80%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	4.99^%_p.a.	5.49^%_p.a.	^$2,145	Fixed	^$395	^$200	95^%	More details
	Wealth Package Fixed Rate Home Loan (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Wealth Package Fixed Rate Home Loan (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.08^%_p.a.	5.13^%_p.a.	^$2,167	Variable	^$0	^$600	70^%	More details
	Flexi First Option Home Loan (Principal and Interest) (LVR < 70%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Flexi First Option Home Loan (Principal and Interest) (LVR < 70%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.14^%_p.a.	5.88^%_p.a.	^$2,182	Fixed	^$8	^$800	95^%	More details
	Fixed Rate Home Loan (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Fixed Rate Home Loan (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.18^%_p.a.	5.23^%_p.a.	^$2,192	Variable	^$0	^$600	95^%	More details
	Flexi First Option Home Loan (Principal and Interest) (LVR > 70%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Flexi First Option Home Loan (Principal and Interest) (LVR > 70%) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.19^%_p.a.	4.42^%_p.a.	^$2,194	Fixed	^$0	^$520	90^%	More details
	Fixed Home Loan (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Fixed Home Loan (Principal and Interest) 1 Year Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.69^%_p.a.	5.94^%_p.a.	^$2,319	Fixed	^$8	^$600	95^%	More details
	Fixed Options Home Loan (Principal and Interest) 2 Years Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Fixed Options Home Loan (Principal and Interest) 2 Years Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.79^%_p.a.	5.63^%_p.a.	^$2,344	Fixed	^$395	^$200	95^%	More details
	Wealth Package Fixed Rate Home Loan (Principal and Interest) 2 Years Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Wealth Package Fixed Rate Home Loan (Principal and Interest) 2 Years Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.83^%_p.a.	5.97^%_p.a.	^$2,355	Variable	^$8	^$600	95^%	More details
	Rocket Repay Home Loan (Principal and Interest) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies)
Rocket Repay Home Loan (Principal and Interest) Make up to $20,000 additional repayments per fixed term Redraw available – lets you access any extra loan repayments you’ve made Choose to rate lock for 90 days (fee applies) More details
	5.99^%_p.a.	5.03^%_p.a.	^$2,396	Fixed	^$250	^$250	80^%	More details
	Own Home Loan Fixed (Principal and Interest) 5 Years (LVR < 80%) Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees
Own Home Loan Fixed (Principal and Interest) 5 Years (LVR < 80%) Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees More details
	5.99^%_p.a.	5.48^%_p.a.	^$2,396	Fixed	^$395	^$0	70^%	More details
	Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years (LVR < 70%) Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees
Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years (LVR < 70%) Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees More details
	5.29^%_p.a.	3.76^%_p.a.	^$2,219	Fixed	^$0	^$363	70^%	More details
NO UPFRONT OR ONGOING FEES	Basic Home Loan Fixed (Principal and Interest) (LVR < 70%) 3 Years Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees
NO UPFRONT OR ONGOING FEES Basic Home Loan Fixed (Principal and Interest) (LVR < 70%) 3 Years Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees More details
	6.09^%_p.a.	5.58^%_p.a.	^$2,421	Fixed	^$395	^$0	95^%	More details
	Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees
Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years Easy, digital application process Market leading app to help you pay off your loan sooner No on-going fees More details
	6.19^%_p.a.	5.52^%_p.a.	^$2,447	Fixed	^$250	^$250	85^%	More details
	Own Home Loan Fixed (Principal and Interest) 5 Years (LVR 80%-85%) Great Rates Easy to apply Market leading app helps you pay off you loan sooner
Own Home Loan Fixed (Principal and Interest) 5 Years (LVR 80%-85%) Great Rates Easy to apply Market leading app helps you pay off you loan sooner More details
	5.19^%_p.a.	5.74^%_p.a.	^$2,194	Fixed	^$8	^$600	70^%	More details
	Fixed Options Home Loan (Principal and Interest) 4 Years (LVR < 70%) Great Rates Easy to apply Market leading app helps you pay off you loan sooner
Fixed Options Home Loan (Principal and Interest) 4 Years (LVR < 70%) Great Rates Easy to apply Market leading app helps you pay off you loan sooner More details
	6.54^%_p.a.	6.15^%_p.a.	^$2,539	Fixed	^$8	^$800	95^%	More details
	Fixed Rate Home Loan (Principal and Interest) 3 Years Great Rates Easy to apply Market leading app helps you pay off you loan sooner
Fixed Rate Home Loan (Principal and Interest) 3 Years Great Rates Easy to apply Market leading app helps you pay off you loan sooner More details

Variable Home Loan (LVR < 70%)

Product Features

Min 30% deposit
No monthly or ongoing fees, add 0.10% for offset
Unlimited redraws

Monthly repayments:$1,708

3.10%Advertised Rate (p.a.)

3.12%Comparison Rate*

More details

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of August 11, 2022. View disclaimer.

What is a credit score?

Your credit score, or credit rating, is a numerical representation of your trustworthiness as a borrower. Lenders use it to determine:

How much they’re willing to lend you for a home
What interest rate to charge you
Whether you can afford to meet your repayments
Whether you should be approved or rejected for a car loan, personal loan or credit card
What your credit limit should be on a credit card

Good credit behaviour, like consistently meeting repayments, paying bills on time and not borrowing beyond your limits is likely to have a positive effect on a credit score, while consistently missing repayments or defaulting on loans could have negative effects on it.

For help working out how strong your credit score might be, use our credit score calculator.

Credit score calculator

Although this won’t give you an exact credit score (you should use credit agencies like Equifax or Experian for that) our credit score estimator tool can give you a rough idea of what your credit rating might be based on the following information:

How many credit enquiries are on your credit file from the past 6 months
The length of your credit history
Your average monthly credit usage
Your credit limit
Your age range
Whether you’ve had any missed or late payments in the past 2 years
How long you’ve been in your current job for
How long you’ve lived at your current address

While each lender can assess applicants differently, this will hopefully give you a good idea as to what band your credit score is likely to fall into:

Excellent: 800-1,000
Very good: 700-799
Good: 625-699
Fair: 550-624
Below average: 0-549

Other Calculators

Home Loans

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Savings.com.au

The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site. Savings.com.au, yourmortgage.com.au, yourinvestmentpropertymag.com.au, and Performance Drive are part of the Savings Media group. In the interests of full disclosure, the Savings Media Group are associated with the Firstmac Group. Read about how Savings Media Group manages potential conflicts of interest, along with how we get paid.

Savings.com.au Pty Ltd ACN 161 358 363 operates as an Australian Financial Services Licensee and an Australian Credit Licensee Number 515843. Savings.com.au is a general information provider and in giving you general product information, Savings.com.au is not making any suggestion or recommendation about any particular product and all market products may not be considered. If you decide to apply for a credit product listed on Savings.com.au, you will deal directly with a credit provider, and not with Savings.com.au. Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au's Financial Services and Credit Guide (FSCG) The information provided constitutes information which is general in nature and has not taken into account any of your personal objectives, financial situation, or needs. Savings.com.au may receive a fee for products displayed.

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Credit Score Calculator

Looking for a home loan?

Variable Home Loan (LVR < 70%)

Variable Home Loan (LVR < 70%)

Variable Rate Home Loan – Refinance Only

Variable Rate Home Loan – Refinance Only

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)

Neat Variable Home Loan (Principal and Interest) (LVR < 60%)

Neat Variable Home Loan (Principal and Interest) (LVR < 60%)

Variable Home Loan (Principal and Interest)

Variable Home Loan (Principal and Interest)

Offset Package Home Loan (Principal and Interest) (LVR < 60%)

Offset Package Home Loan (Principal and Interest) (LVR < 60%)

Ocean Owner Occupied (Amounts < $1m, LVR < 60%)

Ocean Owner Occupied (Amounts < $1m, LVR < 60%)

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 80%)

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 80%)

Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80%

Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80%

Basic Home Loan (Principal and Interest) (LVR < 60%)

Basic Home Loan (Principal and Interest) (LVR < 60%)

Neat Variable Home Loan (Principal and Interest) (LVR 70%-80%)

Neat Variable Home Loan (Principal and Interest) (LVR 70%-80%)

Basic Home Loan (Principal and Interest) (LVR 70%-80%)

Basic Home Loan (Principal and Interest) (LVR 70%-80%)

Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)

Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)

Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest)

Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest)

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%)

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%)

Smart Home Loan (Principal and Interest) (LVR < 80%)

Smart Home Loan (Principal and Interest) (LVR < 80%)

Standard Variable Home Loan (Principal and Interest) (LVR > 80%)

Standard Variable Home Loan (Principal and Interest) (LVR > 80%)

Tailored Home Loan (Principal and Interest)

Tailored Home Loan (Principal and Interest)

Green Home Loan (Principal and Interest)

Green Home Loan (Principal and Interest)

Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%)

Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%)

Owner Occupier Accelerates - Liberate (LVR 70%-80%) (Principal and Interest)

Owner Occupier Accelerates - Liberate (LVR 70%-80%) (Principal and Interest)

Tailored Home Loan Fixed (Principal and Interest) 1 Year

Tailored Home Loan Fixed (Principal and Interest) 1 Year

Owner Occupier Accelerates - Evaporate (LVR 60%-70%) (Principal and Interest)

Owner Occupier Accelerates - Evaporate (LVR 60%-70%) (Principal and Interest)

Fixed Options Home Loan (Principal and Interest) 1 Year (LVR < 70%)

Fixed Options Home Loan (Principal and Interest) 1 Year (LVR < 70%)

Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR > 80%)

Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR > 80%)

Own Home Loan Fixed (Principal and Interest) 1 Year (LVR 80%-85%)

Own Home Loan Fixed (Principal and Interest) 1 Year (LVR 80%-85%)

Standard Variable Home Loan (Principal and Interest) (LVR < 80%)

Standard Variable Home Loan (Principal and Interest) (LVR < 80%)

Wealth Package Fixed Rate Home Loan (Principal and Interest) 1 Year

Wealth Package Fixed Rate Home Loan (Principal and Interest) 1 Year

Flexi First Option Home Loan (Principal and Interest) (LVR < 70%)

Flexi First Option Home Loan (Principal and Interest) (LVR < 70%)

Fixed Rate Home Loan (Principal and Interest) 1 Year

Fixed Rate Home Loan (Principal and Interest) 1 Year

Flexi First Option Home Loan (Principal and Interest) (LVR > 70%)

Flexi First Option Home Loan (Principal and Interest) (LVR > 70%)

Fixed Home Loan (Principal and Interest) 1 Year

Fixed Home Loan (Principal and Interest) 1 Year

Fixed Options Home Loan (Principal and Interest) 2 Years

Fixed Options Home Loan (Principal and Interest) 2 Years

Wealth Package Fixed Rate Home Loan (Principal and Interest) 2 Years

Wealth Package Fixed Rate Home Loan (Principal and Interest) 2 Years

Rocket Repay Home Loan (Principal and Interest)

Rocket Repay Home Loan (Principal and Interest)

Own Home Loan Fixed (Principal and Interest) 5 Years (LVR < 80%)

Own Home Loan Fixed (Principal and Interest) 5 Years (LVR < 80%)

Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years (LVR < 70%)

Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years (LVR < 70%)

Basic Home Loan Fixed (Principal and Interest) (LVR < 70%) 3 Years

Basic Home Loan Fixed (Principal and Interest) (LVR < 70%) 3 Years

Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years

Premier Package Fixed Options Home Loan (Principal and Interest) 5 Years