Lender

Variable
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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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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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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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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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AN EASY ONLINE APPLICATION
AN EASY ONLINE APPLICATION

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

  • $5000 Cashback. T&Cs Apply.
Variable
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100% FULL OFFSET ACCOUNT
100% FULL OFFSET ACCOUNT

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

  • $5000 Cashback. T&Cs Apply.
Variable
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UNLIMITED EXTRA REPAYMENTS
UNLIMITED EXTRA REPAYMENTS

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

    Variable
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    $0 APPLICATION FEE
    $0 APPLICATION FEE

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

      Variable
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      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
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      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

      Owner Occupier Accelerates - Evaporate (LVR 60%-70%) (Principal and Interest)

      • Fast turnaround times, can meet 30-day settlement
      • No ongoing or monthly fees, add offset for 0.10%
      • Extra repayments + redraw services
      Variable
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      100% FULL OFFSET ACCOUNT
      100% FULL OFFSET ACCOUNT

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

        Variable
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        NO UPFRONT OR ONGOING FEES
        NO UPFRONT OR ONGOING FEES

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

          Variable
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          EASY DIGITAL APPLICATION
          EASY DIGITAL APPLICATION

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

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

              Variable
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              NO UPFRONT OR ONGOING FEES
              NO UPFRONT OR ONGOING FEES

              Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 90%)

                Variable
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                100% FULL OFFSET ACCOUNT
                100% FULL OFFSET ACCOUNT

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

                  Variable
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                  NO APPLICATION FEES
                  NO APPLICATION FEES

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

                    Variable
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                    NO UPFRONT OR ONGOING FEES
                    NO UPFRONT OR ONGOING FEES

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

                      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

                      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 29, 2022. View disclaimer.

                      How our home loan comparison works

                      At Savings.com.au, we compare home loans from some of Australia's biggest and most notable retail banks, non-banks and customer-owned banks. Here you can compare mortgages:

                      With our home loan comparison tables, you can compare the advertised interest rates, the home loan comparison rate (a better reflection of the loan's true cost), and what the minimum monthly repayments are based on the selected loan size.

                      Compare Home Loans

                      How to compare home loans

                      Here are some of the top things to consider when choosing a home loan:

                      Interest rate

                      Interest represents the biggest cost of a home loan, so the lower the interest rate, the better. You also need to consider whether you want the certainty of a fixed-rate, the flexibility of a variable-rate, or a bit of both with a split-rate. Also watch out for introductory rates.

                      Loan Purpose

                      Home loan availability and interest rates differ depending on what you intend to use the mortgage for - is it for residing (owner-occupier), investing, refinancing or building?

                      Fees

                      Home loans can come with a variety of one-off and ongoing fees, such as establishment fees and annual fees. It can be hard to compare all these fees, but here’s a quick tip - use the comparison rate as a guide.

                      A home loan with high fees will often have a comparison rate that’s much higher than its advertised interest rate.

                      Features

                      Home loans with features like offset accounts or redraw facilities can be very useful. These features can allow borrowers to save interest by putting extra money towards their home loan, but also provide them with the flexibility to access those funds when necessary.

                      However, there are some pros and cons for both offset and redraw to keep in mind.

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