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 | ||||||||||||
FEATUREDGREAT INTEREST RATE | Smart Booster Investor Bundle (Principal and Interest)
| ||||||||||||
Smart Booster Investor Bundle (Principal and Interest)
| |||||||||||||
Variable | More details | ||||||||||||
FEATUREDNO UPFRONT OR ONGOING FEES | Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 80%)
| ||||||||||||
Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 80%)
| |||||||||||||
Variable | More details | ||||||||||||
BUNDLE YOUR HOME LOAN AND YOUR INVESTMENT LOAN FOR MORE SAVINGS | Yard Investor Bundle Loan (Bundled with Home Loan)
| ||||||||||||
Yard Investor Bundle Loan (Bundled with Home Loan)
| |||||||||||||
Variable | More details | ||||||||||||
REFINANCE ONLY | Variable Rate Investment Loan – Refinance Only
| ||||||||||||
Variable Rate Investment Loan – Refinance Only
| |||||||||||||
Variable | More details | ||||||||||||
FREE REDRAW FACILITY | Basic Investment Loan (Principal and Interest) (LVR < 60%)
| ||||||||||||
Basic Investment Loan (Principal and Interest) (LVR < 60%)
| |||||||||||||
Variable | More details | ||||||||||||
100% FULL OFFSET ACCOUNT | Ocean Investment (Amounts < $1m, LVR < 60%)
| ||||||||||||
Ocean Investment (Amounts < $1m, LVR < 60%)
| |||||||||||||
Variable | More details | ||||||||||||
FAST TURNAROUND TIMES AND FLEXIBLE LOAN OPTIONS | |||||||||||||
Basic Investment Loan (Principal and Interest) (LVR 60%-70%) | |||||||||||||
Variable | More details | ||||||||||||
Budget Investment Loan (Principal and Interest) (LVR ≤ 80%) | |||||||||||||
Variable | More details | ||||||||||||
Ocean Investment (Amounts < $1m, LVR < 70%) | |||||||||||||
Variable | More details | ||||||||||||
FEATUREDGET A FULL OFFSET ACCOUNT FOR NO EXTRA COST | Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 60%)
| ||||||||||||
Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 60%)
| |||||||||||||
Variable | More details | ||||||||||||
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 | ||||||||||||
FEATUREDSELF MANAGED SUPER FUND LOAN | SMSF 80
| ||||||||||||
SMSF 80
|

- Option to add an offset for 0.10%
- No monthly or ongoing fees
- Unlimited redraws
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 25, 2022. View disclaimer.
How long will it take to pay off my home loan?
A home loan is one of the most expensive purchases you’ll ever make, and that’s not just because of the purchase price of the home itself. Home loans can also be as long as 30 years, sometimes longer, which is decades of interest that can be accrued.
Home loans can be shorter though, and paying more than the minimum repayments can help you pay it off sooner. Not to mention, a shorter home loan will also generally cost less in interest over time.
That’s where our mortgage repayment calculator can come in.
How long to pay off mortgage calculator
Savings.com.au’s How Long To Repay My Mortgage calculator can help you estimate you how long it could take you to pay off your mortgage based on your regular repayments and interest rate. For example, a $350,000 loan with $2,000 monthly repayments at a 3.80% p.a. interest rate will take 21 years and eight months to repay, costing over $161,000 in interest.
But if you upped those repayments to $2,500 per month, that loan term will take just 15 and a half years to repay, and will cost $113,000 in interest. That’s six years earlier and almost $50,000 less in interest costs.
So use our mortgage repayment calculator now to work out how much time and money you can save by upping those regular repayments.