Savings .com.au

Our tables below display a range of home loans available from each of the big four:

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.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
6.04% p.a.
6.06% p.a.
$3,011
Principal & Interest
Variable
$0
$530
90%
4.6 Star Customer Ratings
  • Available for purchase or refinance, min 10% deposit needed to qualify.
  • No application, ongoing monthly or annual fees.
  • Quick and easy online application process.
Disclosure
5.99% p.a.
5.90% p.a.
$2,995
Principal & Interest
Variable
$0
$0
80%
Apply in minutes
  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
 Disclosure
5.69% p.a.
6.16% p.a.
$2,899
Principal & Interest
Fixed
$0
$530
90%
  • Available for purchase or refinance, min 10% deposit needed to qualify.
  • No application, ongoing monthly or annual fees.
  • Flexibility to split your loan with both fixed and variable rates
 Disclosure
Important Information and Comparison Rate Warning

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. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. 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 . View disclaimer.

Important Information and Comparison Rate Warning

Big 4 Variable Home Loan Rates

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Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
6.44% p.a.
6.44% p.a.
$3,141
Principal & Interest
Variable
$0
$160
70%
6.44% p.a.
6.66% p.a.
$3,141
Principal & Interest
Variable
$0
$0
97%
6.49% p.a.
6.50% p.a.
$3,157
Principal & Interest
Variable
$null
$400
70%
6.79% p.a.
6.87% p.a.
$3,256
Principal & Interest
Variable
$8
$350
60%
Important Information and Comparison Rate Warning

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. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. 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 . View disclaimer.

Important Information and Comparison Rate Warning

ANZ home loans

The table below displays a snapshot of ANZ’s variable home loans for both investors and owner-occupiers. See our page on ANZ home loans for a look at some of its fixed-rate products too. 

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Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
7.63% p.a.
7.02% p.a.
$3,179
Interest-only
Variable
$null
$160
60%
6.44% p.a.
6.44% p.a.
$3,141
Principal & Interest
Variable
$0
$160
70%
6.19% p.a.
7.19% p.a.
$3,059
Principal & Interest
Fixed
$null
$160
95%
7.64% p.a.
7.64% p.a.
$3,544
Principal & Interest
Variable
$0
$160
95%
6.19% p.a.
7.08% p.a.
$3,059
Principal & Interest
Fixed
$null
$160
95%
7.04% p.a.
6.85% p.a.
$2,933
Interest-only
Variable
$null
$160
60%
6.39% p.a.
7.55% p.a.
$3,124
Principal & Interest
Fixed
$null
$160
95%
6.59% p.a.
7.35% p.a.
$3,190
Principal & Interest
Fixed
$null
$160
95%
6.39% p.a.
7.70% p.a.
$3,124
Principal & Interest
Fixed
$null
$160
95%
6.49% p.a.
7.72% p.a.
$2,704
Interest-only
Fixed
$null
$160
95%
6.34% p.a.
7.03% p.a.
$3,108
Principal & Interest
Fixed
$null
$160
95%
6.49% p.a.
7.59% p.a.
$2,704
Interest-only
Fixed
$null
$160
95%
6.49% p.a.
7.17% p.a.
$2,704
Interest-only
Fixed
$null
$160
90%
6.44% p.a.
7.00% p.a.
$3,141
Principal & Interest
Fixed
$null
$160
95%
6.49% p.a.
7.25% p.a.
$2,704
Interest-only
Fixed
$null
$160
90%
6.69% p.a.
7.89% p.a.
$3,223
Principal & Interest
Fixed
$null
$160
95%
6.54% p.a.
7.12% p.a.
$2,725
Interest-only
Fixed
$null
$160
90%
6.44% p.a.
7.44% p.a.
$3,141
Principal & Interest
Fixed
$null
$160
95%
6.79% p.a.
7.37% p.a.
$2,829
Interest-only
Fixed
$null
$160
90%
7.98% p.a.
7.99% p.a.
$3,325
Interest-only
Variable
$0
$160
95%
More home loans
Important Information and Comparison Rate Warning

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. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. 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 . View disclaimer.

Important Information and Comparison Rate Warning

Commonwealth Bank home loans

The table below displays a snapshot of CBA’s variable home loans for both investors and owner-occupiers. See our page on CBA home loans for a look at some of its fixed-rate products too. 

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Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
6.59% p.a.
8.29% p.a.
$2,746
Interest-only
Fixed
$0
$0
95%
5.89% p.a.
7.80% p.a.
$2,962
Principal & Interest
Fixed
$0
$0
95%
6.39% p.a.
8.27% p.a.
$3,124
Principal & Interest
Fixed
$0
$0
95%
6.64% p.a.
8.80% p.a.
$2,767
Interest-only
Fixed
$0
$0
95%
6.59% p.a.
8.79% p.a.
$3,190
Principal & Interest
Fixed
$0
$0
95%
6.09% p.a.
8.25% p.a.
$3,027
Principal & Interest
Fixed
$0
$0
95%
6.69% p.a.
7.82% p.a.
$3,223
Principal & Interest
Fixed
$0
$0
95%
6.19% p.a.
7.88% p.a.
$2,579
Interest-only
Fixed
$0
$0
95%
6.29% p.a.
7.77% p.a.
$3,092
Principal & Interest
Fixed
$0
$0
95%
6.24% p.a.
8.29% p.a.
$2,600
Interest-only
Fixed
$0
$0
95%
6.54% p.a.
8.68% p.a.
$3,174
Principal & Interest
Fixed
$8
$600
95%
6.74% p.a.
8.71% p.a.
$2,808
Interest-only
Fixed
$8
$600
95%
6.04% p.a.
8.10% p.a.
$3,011
Principal & Interest
Fixed
$8
$600
95%
6.79% p.a.
7.85% p.a.
$2,829
Interest-only
Fixed
$0
$0
95%
6.49% p.a.
7.84% p.a.
$2,704
Interest-only
Fixed
$0
$0
95%
6.79% p.a.
9.22% p.a.
$2,829
Interest-only
Fixed
$8
$600
95%
6.24% p.a.
8.55% p.a.
$3,075
Principal & Interest
Fixed
$8
$600
95%
6.74% p.a.
9.21% p.a.
$3,240
Principal & Interest
Fixed
$8
$600
95%
6.34% p.a.
8.13% p.a.
$3,108
Principal & Interest
Fixed
$0
$0
95%
6.79% p.a.
8.16% p.a.
$3,256
Principal & Interest
Fixed
$0
$0
95%
More home loans
Important Information and Comparison Rate Warning

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. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. 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 . View disclaimer.

Important Information and Comparison Rate Warning

NAB home loans

The table below displays a snapshot of NAB’s variable home loans for both investors and owner-occupiers. See our page on NAB home loans for a look at some of its fixed-rate products too. 

Update resultsUpdate
Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.89% p.a.
6.62% p.a.
$2,962
Principal & Interest
Fixed
$8
$350
70%
5.89% p.a.
6.62% p.a.
$2,962
Principal & Interest
Fixed
$8
$350
80%
5.89% p.a.
6.62% p.a.
$2,962
Principal & Interest
Fixed
$8
$350
60%
5.94% p.a.
6.77% p.a.
$2,978
Principal & Interest
Fixed
$8
$350
90%
5.94% p.a.
6.77% p.a.
$2,978
Principal & Interest
Fixed
$8
$350
80%
6.04% p.a.
6.72% p.a.
$3,011
Principal & Interest
Fixed
$8
$350
80%
6.04% p.a.
6.72% p.a.
$3,011
Principal & Interest
Fixed
$8
$350
70%
6.04% p.a.
6.72% p.a.
$3,011
Principal & Interest
Fixed
$8
$350
60%
6.09% p.a.
6.89% p.a.
$3,027
Principal & Interest
Fixed
$8
$350
90%
6.09% p.a.
6.89% p.a.
$3,027
Principal & Interest
Fixed
$8
$350
80%
6.29% p.a.
6.82% p.a.
$3,092
Principal & Interest
Fixed
$8
$350
70%
6.29% p.a.
6.82% p.a.
$3,092
Principal & Interest
Fixed
$8
$350
60%
6.29% p.a.
6.82% p.a.
$3,092
Principal & Interest
Fixed
$8
$350
80%
6.24% p.a.
6.67% p.a.
$3,075
Principal & Interest
Fixed
$8
$350
60%
6.24% p.a.
6.67% p.a.
$3,075
Principal & Interest
Fixed
$8
$350
80%
6.09% p.a.
6.88% p.a.
$3,027
Principal & Interest
Fixed
$8
$350
70%
6.24% p.a.
7.00% p.a.
$3,075
Principal & Interest
Fixed
$8
$350
70%
6.24% p.a.
7.00% p.a.
$3,075
Principal & Interest
Fixed
$8
$350
60%
6.09% p.a.
6.88% p.a.
$3,027
Principal & Interest
Fixed
$8
$350
60%
6.34% p.a.
7.00% p.a.
$3,108
Principal & Interest
Fixed
$8
$350
80%
More home loans
Important Information and Comparison Rate Warning

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. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. 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 . View disclaimer.

Important Information and Comparison Rate Warning

Westpac home loans

The table below displays a snapshot of Westpac’s variable home loans for both investors and owner-occupiers. See our page on Westpac home loans for a look at some of its fixed-rate products too. 

Update resultsUpdate
Filters
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
6.44% p.a.
6.66% p.a.
$3,141
Principal & Interest
Variable
$0
$0
97%
5.89% p.a.
7.45% p.a.
$2,962
Principal & Interest
Fixed
$395
$150
70%
6.09% p.a.
7.91% p.a.
$3,027
Principal & Interest
Fixed
$395
$150
70%
6.54% p.a.
6.86% p.a.
$3,174
Principal & Interest
Variable
$null
$null
80%
6.19% p.a.
8.13% p.a.
$2,579
Interest-only
Fixed
$395
$150
70%
5.89% p.a.
7.19% p.a.
$2,962
Principal & Interest
Fixed
$395
$150
70%
5.89% p.a.
7.32% p.a.
$2,962
Principal & Interest
Fixed
$395
$150
70%
5.99% p.a.
7.55% p.a.
$2,995
Principal & Interest
Fixed
$395
$150
80%
6.09% p.a.
7.62% p.a.
$3,027
Principal & Interest
Fixed
$395
$150
70%
6.19% p.a.
8.01% p.a.
$3,059
Principal & Interest
Fixed
$395
$null
80%
6.29% p.a.
8.23% p.a.
$2,621
Interest-only
Fixed
$395
$null
80%
5.89% p.a.
7.08% p.a.
$2,962
Principal & Interest
Fixed
$395
$150
70%
5.99% p.a.
7.29% p.a.
$2,995
Principal & Interest
Fixed
$395
$150
80%
5.99% p.a.
7.41% p.a.
$2,995
Principal & Interest
Fixed
$395
$150
80%
6.19% p.a.
7.72% p.a.
$3,059
Principal & Interest
Fixed
$395
$150
80%
6.09% p.a.
7.59% p.a.
$3,027
Principal & Interest
Fixed
$395
$150
70%
6.09% p.a.
7.75% p.a.
$3,027
Principal & Interest
Fixed
$395
$150
70%
6.24% p.a.
8.12% p.a.
$3,075
Principal & Interest
Fixed
$395
$150
70%
6.19% p.a.
8.39% p.a.
$3,059
Principal & Interest
Fixed
$8
$750
70%
6.39% p.a.
8.85% p.a.
$3,124
Principal & Interest
Fixed
$8
$750
70%