Savings .com.au

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.


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

VariableMore details
Online ExclusiveUp To $4K Cashback Includes NOV RBA Rate Increase
  • Immediate cashback upon settlement
  • $2000 for loans up to $700,000
  • $4000 for loans over $700,000
Online ExclusiveUp To $4K Cashback Includes NOV RBA Rate Increase

loans.com.au – Variable Basic Cashback Home Loan (Principal and Interest) (LVR < 70%)

  • Immediate cashback upon settlement
  • $2000 for loans up to $700,000
  • $4000 for loans over $700,000
VariableMore details
Refinance OnlyApply In Minutes
  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Refinance OnlyApply In Minutes

Unloan – Variable Rate Home Loan – Refinance Only

  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
VariableMore details
  • Up is 100% owned by Bendigo Bank.
  • Up to 50 offset accounts
  • New joiners get $10 by signing up to the app using code UPHOMESAVINGS. (T&Cs apply)

Up – Up Home Variable (Principal & Interest) (LVR ≤ 90)

  • Up is 100% owned by Bendigo Bank.
  • Up to 50 offset accounts
  • New joiners get $10 by signing up to the app using code UPHOMESAVINGS. (T&Cs apply)
VariableMore details

Reduce Home Loans – Rate Cutter Home Loan (LVR < 60%)

    VariableMore details
    4.6 Star Customer RatingsIncludes Nov RBA Rate Increase
    4.6 Star Customer RatingsIncludes Nov RBA Rate Increase

    loans.com.au – Variable Home Loan (LVR < 90%)

      VariableMore details
      • $0 application fee
      • Fast turnaround times
      • Estimate your borrowing power in as little as 1 minute

      Macquarie Bank – Offset Package Home Loan (Principal and Interest) (LVR 60%-70%)

      • $0 application fee
      • Fast turnaround times
      • Estimate your borrowing power in as little as 1 minute
      VariableMore details

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

        VariableMore details
        • $0 application fee
        • Fast turnaround times
        • Estimate your borrowing power in as little as 1 minute

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

        • $0 application fee
        • Fast turnaround times
        • Estimate your borrowing power in as little as 1 minute
        FixedMore details

        Reduce Home Loans – Home Owners Dream Fixed Cashback 1 Year (LVR < 80%)

          FixedMore details

          Westpac – Premier Package Fixed Options Home Loan (Principal and Interest) 1 Year (LVR < 70%)

            FixedMore details

            Commonwealth Bank – Fixed Rate Home Loan (Principal and Interest) 3 Years

              VariableMore details

              NAB – Base Variable Home Loan (Principal and Interest) (New Customer)

                FixedMore details

                ANZ – Fixed Rate Home Loan (Principal and Interest) 5 Years (LVR < 80%)

                  FixedMore details
                  • Up is 100% owned by Bendigo Bank.
                  • Up to 50 offset accounts
                  • New joiners get $10 by signing up to the app using code UPHOMESAVINGS. (T&Cs apply)

                  Up – Up Home Fixed 4 Years (Principal & Interest) (LVR ≤ 90)

                  • Up is 100% owned by Bendigo Bank.
                  • Up to 50 offset accounts
                  • New joiners get $10 by signing up to the app using code UPHOMESAVINGS. (T&Cs apply)
                  VariableMore details
                  Unlimited Redraws
                  • No annual fees – None!
                  • Get fast pre-approval
                  • Unlimited additional repayments free of charge
                  • Redraw freely – Access your additional payments when you need them
                  • Home loan specialists available today
                  Unlimited Redraws

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

                  • No annual fees – None!
                  • Get fast pre-approval
                  • Unlimited additional repayments free of charge
                  • Redraw freely – Access your additional payments when you need them
                  • Home loan specialists available today
                  VariableMore details

                  Heritage Bank – Discount Variable Home Loan ($150k+) (LVR < 70%)

                    VariableMore details

                    P&N Bank – & Basic Home Loan (LVR < 60%)

                      FixedMore details

                      Newcastle Permanent – Premium Plus Package Fixed Rate Home Loan Special (Principal and Interest) 2 Years

                        VariableMore details

                        MOVE Bank – Straightforward Plus Home Loan (LVR < 80%) (New Customer)

                          FixedMore details

                          HSBC – Package Fixed Rate Home Loan (Principal and Interest) 4 Years (LVR < 80%)

                            Important Information and Comparison Rate Warning

                            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. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. 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 December 2, 2023. View disclaimer.