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
UNLIMITED REDRAWSSPECIAL OFFER
  • Fast turnaround times, can meet 30-day settlement
  • For purchase and refinance, min 20% deposit
  • No ongoing or monthly fees, add offset for 0.10%
UNLIMITED REDRAWSSPECIAL OFFER

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

  • Fast turnaround times, can meet 30-day settlement
  • For purchase and refinance, min 20% deposit
  • No ongoing or monthly fees, add offset for 0.10%
Variable
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100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
100% 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
Variable
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ZERO APPLICATION FEESFEE FREE OFFSET
  • We lower your rate based off how much you’ve paid down your loan
  • Automatic rate match
  • No upfront or ongoing fees
  • The shorter your loan, the less interest you pay in the long run.
ZERO APPLICATION FEESFEE FREE OFFSET

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

  • We lower your rate based off how much you’ve paid down your loan
  • Automatic rate match
  • No upfront or ongoing fees
  • The shorter your loan, the less interest you pay in the long run.
Variable
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AN EASY DIGITAL APPLICATION
  • 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
AN 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
Variable
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QLD/NSW/VIC/SA METRO & INNER REGIONAL AREAS
QLD/NSW/VIC/SA METRO & INNER REGIONAL AREAS

Variable Home Loan (Principal and Interest)

  • $5000 Cashback. T&Cs Apply.
Variable
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NO ONGOING FEESFREE REDRAW FACILITY
  • Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
NO ONGOING FEESFREE REDRAW FACILITY

Live-in Variable Loan (Principal and Interest) (LVR < 90%)

  • Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
Variable
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REFINANCE ONLY
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
REFINANCE ONLY

Variable Rate Home Loan – Refinance Only

  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Variable
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100% FULL OFFSET ACCOUNT
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
100% FULL OFFSET ACCOUNT

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

  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Variable
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$0 APPLICATION FEE
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
$0 APPLICATION FEE

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

  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Variable
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GET A DISCOUNTED GREEN RATE*
  • 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
GET A DISCOUNTED GREEN RATE*

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
Variable
More details
NO UPFRONT OR ONGOING FEES
  • 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
NO UPFRONT OR ONGOING FEES

Owner Occupier Accelerates - Evaporate (LVR 60%-70%) (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
Variable
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100% FULL OFFSET ACCOUNT
100% FULL OFFSET ACCOUNT

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

    Variable
    More details
    NO UPFRONT OR ONGOING FEES
    NO UPFRONT OR ONGOING FEES

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

      Variable
      More details
      THE MORE YOU PAY THE LOWER YOUR RATE
      THE MORE YOU PAY THE LOWER YOUR RATE

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

        Variable
        More details
        UNLIMITED EXTRA REPAYMENTS
        UNLIMITED EXTRA REPAYMENTS

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

          Variable
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          NO ONGOING FEES
          NO ONGOING FEES

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

            Fixed
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            BORROW UP TO 95% OF PROPERTY VALUE
            BORROW UP TO 95% OF PROPERTY VALUE

            Fixed Rate Home Loan (Principal and Interest) 3 Years (LVR ≤ 80%)

              Fixed
              More details
              No ongoing feesFree redraw facility
              No ongoing feesFree redraw facility

              Live-in Fixed Loan (Principal and Interest) 1 Year

                Variable
                More details
                LIMITED TIME OFFER
                • Fast turnaround times, can meet 30-day settlement
                • No ongoing or monthly fees, add offset for 0.10%
                • Extra repayments + redraw services
                LIMITED TIME OFFER

                Smart Booster Home Loan Discounted Variable - 1yr

                • Fast turnaround times, can meet 30-day settlement
                • No ongoing or monthly fees, add offset for 0.10%
                • Extra repayments + redraw services
                Variable
                More details
                NO UPFRONT OR ONGOING FEES
                • Fast turnaround times, can meet 30-day settlement
                • No ongoing or monthly fees, add offset for 0.10%
                • Extra repayments + redraw services
                NO UPFRONT OR ONGOING FEES

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

                • Fast turnaround times, can meet 30-day settlement
                • No ongoing or monthly fees, add offset for 0.10%
                • Extra repayments + redraw services

                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 July 3, 2022. View disclaimer.

                 

                A mortgage offset account is a bank account linked to your home loan - money put in there can be fully or partially 'offset' against the balance of your loan, so you only pay interest on the difference.

                Using an offset account has the potential to save you a lot more than a standard savings account - you can use Savings.com.au's Home Loan Offset Account Calculator to work out just how much you could stand to save.

                All you have to do to use our Offset Account Calculator is enter your loan amount, offset balance, interest rate and your regular deposits to see how much time and money an offset account could save you on your home loan.

                Savings.com.au's offset account calculations are estimates only; consider speaking to a professional to get dedicated home loan advice.

                 

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