Lender

Variable
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  • Min 30% deposit
  • No monthly or ongoing fees, add 0.10% for offset
  • Unlimited redraws

Variable Home Loan (LVR < 70%)

  • Min 30% deposit
  • No monthly or ongoing fees, add 0.10% for offset
  • Unlimited redraws
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 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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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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100% FULL OFFSET ACCOUNT
100% FULL OFFSET ACCOUNT

Offset Package 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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NO UPFRONT OR ONGOING FEES
NO UPFRONT OR ONGOING FEES

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

  • $5000 Cashback. T&Cs Apply.
Variable
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NO ONGOING FEES
NO ONGOING FEES

Yard PAYG Home Loan (Principal and Interest) LVR ≤ 80%

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

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

  • $5000 Cashback. T&Cs Apply.
Variable
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EASY DIGITAL APPLICATION
EASY DIGITAL APPLICATION

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

  • $5000 Cashback. T&Cs Apply.
Variable
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GREAT FLEXIBLE LOAN OPTIONS
GREAT FLEXIBLE LOAN OPTIONS

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

  • $5000 Cashback. T&Cs Apply.
Variable
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UNLIMITED REDRAWS
UNLIMITED REDRAWS

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

  • $5000 Cashback. T&Cs Apply.
Variable
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ZERO APPLICATION FEESFEE FREE OFFSET
ZERO APPLICATION FEESFEE FREE OFFSET

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

  • $5000 Cashback. T&Cs Apply.
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%)

  • $5000 Cashback. T&Cs Apply.
Variable
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Smart Home Loan (Principal and Interest) (LVR < 80%)

  • $5000 Cashback. T&Cs Apply.
Variable
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Standard Variable Home Loan (Principal and Interest) (LVR > 80%)

  • $5000 Cashback. T&Cs Apply.
Variable
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Tailored Home Loan (Principal and Interest)

  • $5000 Cashback. T&Cs Apply.
Variable
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  • 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

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
Fixed
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USE A MARKET LEADING APP TO HELP YOU PAY OFF YOUR LOAN SOONER
  • Make up to $20,000 additional repayments per fixed term
  • Redraw available – lets you access any extra loan repayments you’ve made
  • Choose to rate lock for 90 days (fee applies)
USE A MARKET LEADING APP TO HELP YOU PAY OFF YOUR LOAN SOONER

Own Home Loan Fixed (Principal and Interest) 1 Year (LVR < 80%)

  • Make up to $20,000 additional repayments per fixed term
  • Redraw available – lets you access any extra loan repayments you’ve made
  • Choose to rate lock for 90 days (fee applies)

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 11, 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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