AFG Home Loans Alpha
Every product AFG Home Loans Alpha publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 9 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Adelaide Bank, Aussie Elevate, Bendigo Bank, Connective Select, NRMA Home Loans, Qantas Money Basic/Offset Home Loans, Rural Bank, Tiimely Home and Up under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 237879, held by Bendigo and Adelaide Bank Limited; credit licence since 6 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
3 products in 2 categories
AFG Home Loans Alpha's rates today
AFG Home Loans Alpha'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 AFG Home Loans Alpha sits among every institution's best
| Rate | AFG Home Loans Alpha | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.54%AFG Alpha Basic Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69%AFG Alpha Basic Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
AFG Home Loans Alpha home loan repayments
Repayments at AFG Home Loans Alpha's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableAFG Alpha Basic Home Loan6.54%6.56% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- 1-year fixedAFG Alpha Basic Home Loan6.59%6.56% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- 2-year fixedAFG Alpha Basic Home Loan6.59%6.57% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- 3-year fixedAFG Alpha Basic Home Loan6.69%6.60% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- 5-year fixedAFG Alpha Basic Home Loan6.79%6.67% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- Investor variableAFG Alpha Basic Home Loan6.64%6.66% comparison$3,848a month
$785,215 in interest, $1,385,215 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 AFG Home Loans Alpha's own calculator: confirm the rate with AFG Home Loans Alpha before you apply.
AFG Home Loans Alpha home loan rates
Compare across banks2 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.54%, with a comparison rate of 6.56%, on its AFG Alpha Basic Home Loan: 70th lowest of 104 lenders, level with 4 others.
- AFG Alpha Basic Home Loan
- Variable (owner occ. P&I)
- 6.34%, 6.36% comparison
- Variable (investor P&I)
- 6.49%
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- AFG Alpha Offset Home Loan
- Variable (owner occ. P&I)
- 6.39%, 6.57% comparison
- Variable (investor P&I)
- 6.54%
- Fixed
- 1 yr 6.69%, 2 yrs 6.69%, 3 yrs 6.79%, 4 yrs 6.89%, 5 yrs 6.89%
AFG Home Loans Alpha savings and transaction account rates
Compare across banks1 product
Its highest savings rate is 0.00%, on its AFG Alpha Offset Account: 74th highest of 84 institutions, level with 10 others.
Has AFG Home Loans Alpha passed on the RBA's November 2026 rate rise?
AFG Home Loans Alpha hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Fri 9 Oct
AFG Home Loans Alpha lifted 31 variable home loan rates by 0.25 percentage points.
0.25- AFG Alpha Offset Home Loan (18 rates)
- AFG Alpha Basic Home Loan (13 rates)
Mon 5 Oct
AFG Home Loans Alpha lifted 65 fixed home loan rates by 0.05 to 0.25 percentage points.
0.05 to 0.25- AFG Alpha Offset Home Loan (45 rates)
- AFG Alpha Basic Home Loan (20 rates)
Published by AFG Home Loans Alpha under the Consumer Data Right, last changed by them on 9 Oct 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.