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
More details
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
More details
100% FULL OFFSET ACCOUNT
100% FULL OFFSET ACCOUNT

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

    Variable
    More details
    NO APPLICATION FEES
    NO APPLICATION FEES

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

      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
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          UNLIMITED EXTRA REPAYMENTS
          UNLIMITED EXTRA REPAYMENTS

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

            Variable
            More details
            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

                  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 30, 2022. View disclaimer.

                   

                  Rent vs buy: Which is better?

                  There’s no real answer to this question, because, depending on the circumstances, renting a home can better for some people while buying a home may be better for others.

                  Rent payments are often lower than mortgage repayments, and there are fewer property maintenance costs to worry about. To secure a rental, renters only have to pay a bond as opposed to a hefty house deposit.

                  But on the home-buying side, you can have greater freedom to do what you want with the property, more security of living and most importantly, you’re building equity in a property that you actually own. It’s yours, and you could potentially sell it for hefty profit years down the road.

                  It might be the Australian dream to own a home of your own, but depending on the circumstances, you might actually be financially better off renting over a set period of time. Our rent vs buy calculator can help you work out what the better choice is for you.

                  Rent vs buy calculator

                  Our rent vs buy calculator will help you estimate your financial position when renting, compared to buying a house.

                  To use our rent vs buy calculator, you’ll need to enter following details:

                  • Weekly rent
                  • Your current savings
                  • Your monthly savings
                  • Your average annual rate of returns on your savings (if all of your savings is in cash and you don’t have any investments, like shares, you can just put your savings account interest rate)
                  • The property purchase price and loan amount
                  • The loan term
                  • The loan interest rate
                  • Any upfront and ongoing costs (for renting and buying)
                  • Where your savings would go if you were buying a home (savings account or offset account?)
                  • Assumed annual house price growth
                  • The period of analysis

                  With these inputs, the calculator can give you a rough estimation of your future net worth as a renter compared to a buyer in the period of time you’ve chosen. Although it requires a lot of assumptions, this estimation will hopefully help give you a rough idea of whether you’re better off renting or buying a home.

                   

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