Abacus Home Loans
Every product Abacus Home Loans publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 7 Nov 2026.
- Australian credit licence and AFS licence 337303, held by Columbus Capital Pty. Limited; credit licence since 18 January 2011. ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks. 7 of its 13 products are Bluebay Home Loans's, sold under this brand at the same rates and fees.
13 products in 1 category
All of them home loansAbacus Home Loans's rates today
Abacus Home Loans's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Abacus Home Loans sits among every institution's best
| Rate | Abacus Home Loans | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.79%Homepay Standard | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
Abacus Home Loans home loan repayments
Repayments at Abacus Home Loans's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableHomepay Standard6.79%$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- Investor variableHomepay Standard6.99%$3,988a month
$835,603 in interest, $1,435,603 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Abacus Home Loans's own calculator: confirm the rate with Abacus Home Loans before you apply.
Abacus Home Loans home loan rates
Compare across lenders13 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.79%, on its Homepay Standard: 86th lowest of 104 lenders, level with one other.
- Commercial Easy RefinanceSame as Bluebay Home Loans's
- Variable (owner occ. P&I)
- 8.34%
- Variable (investor P&I)
- 8.34%
- Max LVR
- 80%
- Expat RBA TrackerSame as Bluebay Home Loans's
- Variable (investor P&I)
- 7.33%
- Max LVR
- 90%
- Annual fee
- $495
- Expat Standard Home LoanSame as Bluebay Home Loans's
- Variable (owner occ. P&I)
- 7.39%
- Variable (investor P&I)
- 7.39%
- Fixed
- 1 yr 8.04%, 2 yrs 8.04%, 3 yrs 8.04%, 4 yrs 8.14%, 5 yrs 8.14%
- Extended Home Loan
- Variable (owner occ. P&I)
- 6.89%
- Variable (investor P&I)
- 7.09%
- Max LVR
- 95%
- High LVR
- Variable (owner occ. P&I)
- 6.99%
- Variable (investor P&I)
- 7.19%
- Max LVR
- 100%
- Homepay Plus
- Variable (owner occ. P&I)
- 6.99%
- Max LVR
- 95%
- Annual fee
- $379
- Homepay Standard
- Variable (owner occ. P&I)
- 6.69%
- Variable (investor P&I)
- 6.89%
- Max LVR
- 92%
- Non-Res RBA TrackerSame as Bluebay Home Loans's
- Variable (investor P&I)
- 7.73%
- Max LVR
- 85%
- Annual fee
- $499
- Non-Res Standard Home LoanSame as Bluebay Home Loans's
- Variable (investor P&I)
- 8.38%
- Max LVR
- 85%
- Annual fee
- $499
- Prime Easy RefinanceSame as Bluebay Home Loans's
- Variable (owner occ. P&I)
- 6.69%
- Variable (investor P&I)
- 6.89%
- Max LVR
- 80%
- SMSF Commercial
- Variable (investor P&I)
- 8.08%
- Max LVR
- 80%
- Annual fee
- $395
- SMSF Residential
- Variable (investor P&I)
- 7.39%
- Max LVR
- 90%
- Annual fee
- $395
- Standard Home LoanSame as Bluebay Home Loans's
- Variable (owner occ. P&I)
- 6.69%
- Variable (investor P&I)
- 6.89%
- Fixed
- 1 yr 7.74%, 2 yrs 7.74%, 3 yrs 7.74%, 4 yrs 7.74%, 5 yrs 7.74%
Has Abacus Home Loans passed on the RBA's November 2026 rate rise?
Abacus Home Loans hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
No published rate has changed since 18 Sept 2026.
Withdrawn recently
- Standard Lender Paid LMIHome loan, withdrawn 7 Nov 2026
- Standard Easy RefinanceHome loan, withdrawn 7 Nov 2026
- Standard Bridging LoanHome loan, withdrawn 7 Nov 2026
- Sharia SMSF RBA TrackerHome loan, withdrawn 7 Nov 2026
- Portfolio LoanHome loan, withdrawn 7 Nov 2026
- Non-Res Bridging TrackerHome loan, withdrawn 7 Nov 2026
- Homepay Non-ResHome loan, withdrawn 7 Nov 2026
- Express Easy RefinanceHome loan, withdrawn 7 Nov 2026
Published by Abacus Home Loans under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.