Home loan comparison

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.

Rates
Features
Fees
Other
Lender

Rates correct as of . View disclaimer.

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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 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. Rates correct as of 9 October 2024.

^The addition of offset sub-account means your comparison rate will change.

Choosing a Mortgage

Before you decide which lender to choose, here are some questions you can ask to help you assess different home loans:

Do they have low interest rates?

While there are other important factors, low interest rates are usually the most important thing when choosing a home loan. A lower interest rate can potentially save you thousands in the long run, but be sure to check the comparison rates to get a clear idea of all the costs involved.

What other home loan fees are included?

When you take out a home loan there are other home loan fees that lenders might charge you such as:

  • establishment fees

  • application fees

  • conveyancing fees

  • legal fees

  • Lenders Mortgage Insurance (LMI)

  • stamp duty costs

  • other ongoing costs

It might also be helpful to consider these other home loan fees when choosing a lender.

Is the home loan interest-only?

Interest-only home loans are type of mortgages where the borrower is required to pay only the interest of the loan for a certain period. This can be cheaper for the first years of the loan but will revert to higher repayments after the 'interest-only' period expires.