Bluebay Home Loans
Every product Bluebay Home Loans publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 6 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.
20 products in 1 category
All of them home loansBluebay Home Loans's rates today
Bluebay 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 Bluebay Home Loans sits among every institution's best
| Rate | Bluebay Home Loans | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 5.94%Portfolio Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.84%Standard Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
Bluebay Home Loans home loan repayments
Repayments at Bluebay 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.
- VariablePortfolio Loan5.94%$3,574a month
$686,709 in interest, $1,286,709 repaid in all
- 1-year fixedStandard Home Loan7.84%$4,336a month
$960,906 in interest, $1,560,906 repaid in all
- 2-year fixedStandard Home Loan7.84%$4,336a month
$960,906 in interest, $1,560,906 repaid in all
- 3-year fixedStandard Home Loan7.84%$4,336a month
$960,906 in interest, $1,560,906 repaid in all
- 5-year fixedStandard Home Loan7.84%$4,336a month
$960,906 in interest, $1,560,906 repaid in all
- Investor variablePortfolio Loan5.94%$3,574a month
$686,709 in interest, $1,286,709 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 Bluebay Home Loans's own calculator: confirm the rate with Bluebay Home Loans before you apply.
Bluebay Home Loans home loan rates
Compare across lenders20 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 5.94%, on its Portfolio Loan: 2nd lowest of 104 lenders, level with 3 others.
- Commercial Easy Refinance
- Variable (owner occ. P&I)
- 8.34%
- Variable (investor P&I)
- 8.34%
- Max LVR
- 80%
- Expat RBA Tracker
- Variable (investor P&I)
- 7.33%
- Max LVR
- 90%
- Annual fee
- $495
- Expat Standard Home Loan
- 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%
- Express Easy Refinance
- Variable (owner occ. P&I)
- 6.69%
- Variable (investor P&I)
- 6.89%
- Max LVR
- 80%
- 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 Non-Res
- Variable (owner occ. P&I)
- 8.03%
- Variable (investor P&I)
- 8.23%
- Max LVR
- 80%
- 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 Bridging Tracker
- Variable (investor P&I)
- 7.73%
- Max LVR
- 80%
- Annual fee
- $499
- Non-Res RBA Tracker
- Variable (investor P&I)
- 7.73%
- Max LVR
- 85%
- Annual fee
- $499
- Non-Res Standard Home Loan
- Variable (investor P&I)
- 8.38%
- Max LVR
- 85%
- Annual fee
- $499
- Portfolio Loan
- Variable (owner occ. P&I)
- 5.94%
- Variable (investor P&I)
- 5.94%
- Max LVR
- 90%
- Sharia SMSF RBA Tracker
- Variable (investor P&I)
- 7.85%
- Max LVR
- 90%
- Annual fee
- $395
- 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 Bridging Loan
- Max LVR
- 88%
- Annual fee
- $360
- Standard Easy Refinance
- Variable (owner occ. P&I)
- 7.69%
- Variable (investor P&I)
- 7.89%
- Max LVR
- 80%
- Standard Home Loan
- 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%
- Standard Lender Paid LMI
- Variable (owner occ. P&I)
- 7.20%
- Variable (investor P&I)
- 7.50%
- Max LVR
- 95%
Has Bluebay Home Loans passed on the RBA's November 2026 rate rise?
Bluebay 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.
Published by Bluebay Home Loans under the Consumer Data Right, last changed by them on 6 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.