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 | |||||||||||||
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| Variable | More details | ||||||||||||
| FEATURED | Variable Home Loan (LVR < 70%)
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Variable Home Loan (LVR < 70%)
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| Variable | More details | ||||||||||||
| FEATUREDREFINANCE ONLY | Variable Rate Home Loan – Refinance Only
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Variable Rate Home Loan – Refinance Only
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| Variable | More details | ||||||||||||
| FEATURED100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES | Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)
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Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)
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| Variable | More details | ||||||||||||
| FEATUREDAN EASY DIGITAL APPLICATION | Neat Variable Home Loan (Principal and Interest) (LVR < 60%)
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Neat Variable Home Loan (Principal and Interest) (LVR < 60%)
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| Variable | More details | ||||||||||||
| QLD/NSW/VIC/SA METRO & INNER REGIONAL AREAS | Variable Home Loan (Principal and Interest)
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Variable Home Loan (Principal and Interest)
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| Variable | More details | ||||||||||||
| 100% FULL OFFSET ACCOUNT | Offset Package Home Loan (Principal and Interest) (LVR < 60%)
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Offset Package Home Loan (Principal and Interest) (LVR < 60%)
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| Variable | More details | ||||||||||||
| 100% FULL OFFSET ACCOUNT | Ocean Owner Occupied (Amounts < $1m, LVR < 60%)
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Ocean Owner Occupied (Amounts < $1m, LVR < 60%)
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| Variable | More details | ||||||||||||
| NO UPFRONT OR ONGOING FEES | Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 80%)
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Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 80%)
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| Variable | More details | ||||||||||||
| NO ONGOING FEES | Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80%
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Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80%
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| Variable | More details | ||||||||||||
| UNLIMITED EXTRA REPAYMENTS | Basic Home Loan (Principal and Interest) (LVR < 60%)
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Basic Home Loan (Principal and Interest) (LVR < 60%)
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| Variable | More details | ||||||||||||
| EASY DIGITAL APPLICATION | Neat Variable Home Loan (Principal and Interest) (LVR 70%-80%)
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Neat Variable Home Loan (Principal and Interest) (LVR 70%-80%)
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| Variable | More details | ||||||||||||
| GREAT FLEXIBLE LOAN OPTIONS | Basic Home Loan (Principal and Interest) (LVR 70%-80%)
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Basic Home Loan (Principal and Interest) (LVR 70%-80%)
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| Variable | More details | ||||||||||||
| UNLIMITED REDRAWS | Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)
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Smart Booster Home Loan Discounted Variable - 2yr (LVR < 80%)
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| Variable | More details | ||||||||||||
| ZERO APPLICATION FEESFEE FREE OFFSET | Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest)
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Owner Occupier Accelerates - Celebrate (LVR < 60%) (Principal and Interest)
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| Variable | More details | ||||||||||||
| NO UPFRONT OR ONGOING FEES | Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%)
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Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%)
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| Variable | More details | ||||||||||||
Smart Home Loan (Principal and Interest) (LVR < 80%)
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Smart Home Loan (Principal and Interest) (LVR < 80%)
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| Variable | More details | ||||||||||||
Standard Variable Home Loan (Principal and Interest) (LVR > 80%)
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Standard Variable Home Loan (Principal and Interest) (LVR > 80%)
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| Variable | More details | ||||||||||||
Tailored Home Loan (Principal and Interest)
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Tailored Home Loan (Principal and Interest)
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| Variable | More details | ||||||||||||
| FEATURED | Green Home Loan (Principal and Interest)
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Green Home Loan (Principal and Interest)
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| Fixed | More details | ||||||||||||
| FEATUREDUSE A MARKET LEADING APP TO HELP YOU PAY OFF YOUR LOAN SOONER | Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%)
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Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%)
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- Min 30% deposit
- No monthly or ongoing fees, add 0.10% for offset
- 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 August 10, 2022. View disclaimer.
As our refinancing costs calculator shows, refinancing can cost hundreds of dollars, sometimes thousands. It isn’t always cheap, but a home loan with a lower interest rate can make up for these costs quickly.
How much will I save by refinancing?
Using our Upfront Refinance Costs vs. Interest Rate Savings Calculator, you can estimate how long it will take you to recoup the costs of refinancing with a lower interest rate. Just enter the following information:
- Your loan balance
- Your current loan term and the new loan term
- The interest rates on both loans
- The upfront costs of refinancing (like discharge fees, application fees and settlement fees)
Other Calculators
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