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
More details
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
More details
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
More details
NSW/VIC/SA METRO & INNER REGIONAL AREAS$5000 CASHBACK. T&Cs APPLY.
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
NSW/VIC/SA METRO & INNER REGIONAL AREAS$5000 CASHBACK. T&Cs APPLY.

Variable Home Loan (Principal and Interest)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Variable
More details
NO UPFRONT OR ONGOING FEES
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
NO UPFRONT OR ONGOING FEES

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

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Variable
More details
NO APPLICATION FEES
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
NO APPLICATION FEES

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

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Variable
More details
100% FULL OFFSET ACCOUNT
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
100% FULL OFFSET ACCOUNT

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

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Variable
More details
$0 APPLICATION FEE
  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
$0 APPLICATION FEE

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

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Variable
More details
NO ONGOING FEES
NO ONGOING FEES

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

    Variable
    More details
    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 1.79% 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 1.79% 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 1.79% discount on your variable rate home loan T&Cs apply
    NO UPFRONT OR ONGOING FEES

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

    • 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 1.79% discount on your variable rate home loan T&Cs apply
    Fixed
    More details
    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%)

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

      Offset Package Home Loan (Principal and Interest) (LVR 70%-80%)

        Fixed
        More details

        Fixed Options Home Loan (Principal and Interest) 2 Years (LVR < 70%)

          Fixed
          More details

          Breakfree Package Fixed Rate Home Loan (Principal and Interest) 3 Years (LVR < 80%)

            Variable
            More details
            FREE REDRAW FACILITY
            FREE REDRAW FACILITY

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

              Variable
              More details

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

                Variable
                More details
                GREAT FLEXIBLE LOAN OPTIONS
                GREAT FLEXIBLE LOAN OPTIONS

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

                  Fixed
                  More details

                  Premier Package Fixed Options Home Loan (Principal and Interest) 2 Years (LVR < 70%)

                    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 May 24, 2022. View disclaimer.

                     

                    There are a lot of ways you can save money on your home loan. You can increase your regular repayments or add an extra lump sum payment, for example. Home loans are a long commitment, often lasting as long as 25 to 30 years, possibly more, and costing hundreds of thousands of dollars at least.

                    Another way you can potentially save money on your home loan is to pay your mortgage weekly or fortnightly, instead of monthly.

                    Paying mortgage weekly vs monthly

                    This is because by paying your mortgage weekly (or biweekly) instead of monthly, you could trick yourself into paying more off your mortgage each year. For instance, if you were making monthly repayments of $1,000, you’d be repaying $12,000 a year. But if you switched to fortnightly payments of $500 (half your monthly payment) or weekly payments of $250 (a quarter of your monthly repayment), you’d be repaying $13,000 a year, as different months have different numbers of days. We have more information on how weekly and fortnightly vs monthly home loan repayments work here.

                    Our home loan repayment frequency calculator can show you how much you could save by repaying your home loan weekly or fortnightly instead of monthly. Not every loan allows more frequent repayments, so compare home loans to find one that does if this is what you want to do, and check out some of our other home loan calculators to see how else you can save.

                     

                    Home loan news