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.

Lender

Variable
More details
GREAT INTEREST RATE
  • Option to add an offset for 0.10%
  • No monthly or ongoing fees
  • Unlimited redraws
GREAT INTEREST RATE

Smart Booster Investor Bundle (Principal and Interest)

  • Option to add an offset for 0.10%
  • No monthly or ongoing fees
  • Unlimited redraws
Variable
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NO UPFRONT OR ONGOING FEES
  • No upfront or ongoing fees
  • 100% full offset account
  • Unlimited extra repayments
NO UPFRONT OR ONGOING FEES

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

  • No upfront or ongoing fees
  • 100% full offset account
  • Unlimited extra repayments
Variable
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BUNDLE YOUR HOME LOAN AND YOUR INVESTMENT LOAN FOR MORE SAVINGS
  • No upfront or ongoing fees
  • 100% full offset account
  • Unlimited extra repayments
BUNDLE YOUR HOME LOAN AND YOUR INVESTMENT LOAN FOR MORE SAVINGS

Yard Investor Bundle Loan (Bundled with Home Loan)

  • No upfront or ongoing fees
  • 100% full offset account
  • Unlimited extra repayments
Variable
More details
REFINANCE ONLY
  • A low-rate variable investment home loan from a 100% online lender. Backed by the Commonwealth Bank.
REFINANCE ONLY

Variable Rate Investment Loan – Refinance Only

  • A low-rate variable investment home loan from a 100% online lender. Backed by the Commonwealth Bank.
Variable
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FREE REDRAW FACILITY
  • Pay more to reduce the amount of interest you pay
  • Easily access additional funds in your redraw
  • Great rates and low fees
FREE REDRAW FACILITY

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

  • Pay more to reduce the amount of interest you pay
  • Easily access additional funds in your redraw
  • Great rates and low fees
Variable
More details
100% FULL OFFSET ACCOUNT
  • Free redraw facility
  • Split account option
  • Unlimited extra repayments
100% FULL OFFSET ACCOUNT

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

  • Free redraw facility
  • Split account option
  • Unlimited extra repayments
Variable
More details
FAST TURNAROUND TIMES AND FLEXIBLE LOAN OPTIONS
FAST TURNAROUND TIMES AND FLEXIBLE LOAN OPTIONS

Basic Investment Loan (Principal and Interest) (LVR 60%-70%)

    Variable
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    Budget Investment Loan (Principal and Interest) (LVR ≤ 80%)

      Variable
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      Ocean Investment (Amounts < $1m, LVR < 70%)

        Variable
        More details
        GET A FULL OFFSET ACCOUNT FOR NO EXTRA COST
        • No upfront or ongoing fees
        • 100% full offset account
        • Extra repayments + redraw services
        GET A FULL OFFSET ACCOUNT FOR NO EXTRA COST

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

        • No upfront or ongoing fees
        • 100% full offset account
        • Extra repayments + redraw services
        Variable
        More details
        UNLIMITED EXTRA REPAYMENTS
        UNLIMITED EXTRA REPAYMENTS

        Budget Investment Loan (Principal and Interest) (LVR 80%-90%)

          Variable
          More details

          Yard Investment Loan (Principal and Interest) (LVR > 80%)

            Variable
            More details

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

              Variable
              More details

              Ocean SMSF (No Offset) (Metro) (Principal and Interest) (LVR < 60%)

                Variable
                More details

                Base Variable Investment Loan Special Offer (Principal and Interest) (LVR > 80%)

                  Variable
                  More details

                  Extra Investment Loan (Principal and Interest) (LVR 80%-90%)

                    Variable
                    More details

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

                      Variable
                      More details

                      Base Variable Investment Loan (Principal and Interest)

                        Variable
                        More details

                        Ocean SMSF (With Offset) (Metro) (Principal and Interest) (LVR 60%-65%)

                          Variable
                          More details
                          SELF MANAGED SUPER FUND LOAN
                          • Easy refinance process
                          • No application fee and no settlement fee
                          • No monthly, annual or ongoing fees
                          SELF MANAGED SUPER FUND LOAN

                          SMSF 80

                          • Easy refinance process
                          • No application fee and no settlement fee
                          • No monthly, annual or ongoing fees

                          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 June 28, 2022. View disclaimer.

                           

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                          Home loan comparison calculator

                          If you’re looking to take out a home loan, then Savings.com.au’s home loan comparison calculator can help you find out which home loan might be the best one for you.

                          This mortgage comparison calculator lets you input the interest rate, fees and repayment frequencies for multiple different loans to show you how much more or less you could pay by choosing one loan over another.

                          Choosing a home loan is a big decision, and our loan comparison tool can help you make the right choice.