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Home loans.
Every residential mortgage Australian banks publish, with rates by purpose, repayment type, fixed term and LVR band.
| Bank · product | Rate | Comparison | LVR band | Loan size | Features | Annual fee |
|---|---|---|---|---|---|---|
| The Mutual BankBudget Home Loan | 5.79% | 5.79% | Any | — | Redraw · Extra repayments | — |
| EasystreetSTREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest) | 5.79% | 5.80% | Any | — | Offset · Redraw | — |
| Greater BankDiscounted Great Rate Home Loan - Variable Owner Occupied | 5.84% | 5.85% | Any | — | Redraw · Extra repayments | — |
| Virgin Money AustraliaVirgin Money Lite Home Loan | 5.84% | 5.86% | 70–80% LVR | $150,000+ | Redraw · Extra repayments | — |
| Border BankFirst Home Loan | 5.84% | 5.91% | 80–98% LVR | — | Offset · Redraw · Extra repayments | $84 |
| Police BankFirst Home Loan | 5.84% | 5.91% | 80–98% LVR | — | Offset · Redraw · Extra repayments | $84 |
| Unloan ProdUnloan Home Loan | 5.89% | 5.80% | ≤80% LVR | — | Redraw · Extra repayments | — |
| CoastlineFirst Home Buyer Loan | 5.89% | 5.89% | 60–80% LVR | — | Offset · Redraw · Extra repayments | — |
| Horizon BankFirst Home Buyer Loan | 5.89% | 5.89% | 70–90% LVR | — | Offset · Redraw · Extra repayments | — |
| Gateway BankLow Rate Essentials | 5.89% | 5.91% | Any | — | Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDLow Rate Home Loan - First Home Buyer | 5.89% | 5.93% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDLow Rate Home Loan Special Offer - Owner Occupied | 5.89% | 5.93% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDLow Rate Home Loan - Owner Occupied | 5.89% | 5.95% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| SummerlandBasic Variable Home Loan | 5.89% | 5.95% | Any | — | Redraw · Extra repayments | $96 |
| TRANSPORT MUTUAL CREDIT UNION LTDREFI SPECIAL OWNER OCCUPIED | 5.89% | 5.99% | Any | — | Offset · Redraw · Extra repayments | — |
| Bendigo BankBendigo Express Home Loan | 5.89% | 6.02% | Any | — | Offset · Redraw · Extra repayments | $120 |
| TRANSPORT MUTUAL CREDIT UNION LTD1 YEAR FIXED RATE LOAN | 5.89% | — | Any | — | Offset · Redraw · Extra repayments | — |
| TRANSPORT MUTUAL CREDIT UNION LTD2 FIXED RATE HOME LOAN | 5.89% | — | Any | — | Offset · Redraw · Extra repayments | — |
| Unity BankVic Homebuyer Fund | 5.90% | 5.93% | Any | — | Offset · Redraw · Extra repayments | — |
| Unity BankAustralian Government 5% Deposit Scheme | 5.90% | 5.95% | Any | — | Offset · Redraw · Extra repayments | — |
| Unity BankFirst Home Buyer Loan - Owner Occupied - SO | 5.90% | 5.95% | Any | — | Offset · Redraw · Extra repayments | — |
| MACARTHUR CREDIT UNION LTDFIRST HOME BUYERS OWNER OCCUPIED P&I | 5.92% | 5.98% | Any | — | Redraw · Extra repayments | — |
| Bank of ChinaDiscount Home Loan (With Principal and Interest Repayment) | 5.93% | 6.13% | Any | — | Redraw · Extra repayments | — |
| SCCUBROKER HOME LOAN | 5.93% | 6.28% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| SCCUEMONEY HOME LOAN | 5.93% | 6.28% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| SCCULJH 5STAR HOME LOAN | 5.93% | 6.28% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| SCCUPREMIUM HOME LOAN | 5.93% | 6.28% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| Bank of ChinaDiscount Plus Home Loan (with Principal and Interest Repayment) | 5.93% | 6.31% | Any | — | Offset · Redraw · Extra repayments | — |
| Gateway BankAllium Money Essentials | 5.94% | 5.94% | Any | — | Redraw · Extra repayments | — |
| Newcastle PermanentReal Deal Home Loan Principal and Interest | 5.94% | 5.98% | ≤80% LVR | $150,000+ | Redraw · Extra repayments | — |
| NORTHERN INLAND CREDIT UNION LTD.Value Home Loan - Owner Occupied | 5.94% | 5.98% | Any | — | Redraw · Extra repayments | — |
| Broken Hill BankChoice Home Loan | 5.94% | 5.99% | Any | — | Redraw · Extra repayments | — |
| UniBankYour Way Home Loan | 5.94% | 6.00% | 0–95% LVR | — | Redraw · Extra repayments | $18.60 |
| Woolworths Team BankTeam Member Home Loan - No Offset | 5.94% | 6.03% | 50–80% LVR | — | Redraw | — |
| UpUp Home Loan | 5.95% | 5.95% | Any | — | Offset · Redraw · Extra repayments | — |
| EasystreetSTREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED (Principal and Interest) | 5.95% | 6.00% | Any | — | Offset · Redraw · Extra repayments | — |
| BankVicHome Loan Special Variable Rate | 5.99% | 5.99% | Any | — | Offset · Redraw · Extra repayments | — |
| Gateway BankAllium Money Premium | 5.99% | 5.99% | Any | — | Offset · Redraw · Extra repayments | $299 |
| Queensland Country BankHome Loan-Package | 5.99% | 6.00% | ≤80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| bcuOMG Home Loan (P&I) LVR<60 | 5.99% | 6.02% | Any | — | Redraw · Extra repayments | — |
| The CapricornianNo Frills Owner Occupied Home Loan | 5.99% | 6.04% | ≤80% LVR | — | Redraw · Extra repayments | — |
| Unity BankMomentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO | 5.99% | 6.04% | Any | — | Offset · Redraw · Extra repayments | — |
| bankWAWBack to Basics Owner Occupied | 5.99% | 6.05% | 1–80% LVR | — | Redraw · Extra repayments | — |
| CENTRAL MURRAY CREDIT UNION LIMITEDHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60% | 5.99% | 6.05% | Any | — | Offset · Redraw · Extra repayments | — |
| Border BankCustoms Value Home Loan | 5.99% | 6.06% | 60–90% LVR | — | Offset · Redraw · Extra repayments | $84 |
| Gateway BankPremium Package | 5.99% | 6.27% | Any | — | Offset · Redraw · Extra repayments | $299 |
| NORTHERN INLAND CREDIT UNION LTD.Dream Home Loan New Borrowing | 5.99% | 6.33% | Any | — | Offset · Redraw · Extra repayments | $350 |
| SummerlandPremium Variable Home Loan | 5.99% | 6.36% | Any | — | Offset · Redraw · Extra repayments | $380 |
| MOVE BankEveryday Home Loan | 5.99% | — | Any | — | Redraw · Extra repayments | — |
| TiimelyTiimely Basic Home Loan | 6.04% | 6.05% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| bcuOMG Home Loan (P&I) LVR>60-80 | 6.04% | 6.07% | Any | — | Redraw · Extra repayments | — |
| IMB BankBudget Home Loan | 6.04% | 6.07% | 71–80% LVR | — | Redraw · Extra repayments | — |
| Regional Australia BankRegional Australia Bank Home Loan (Non Offset) | 6.04% | 6.07% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| Border BankGoldrate Home Loan | 6.04% | 6.11% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $84 |
| Police BankGoldrate Home Loan | 6.04% | 6.11% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $84 |
| TiimelyTiimely Offset Home Loan | 6.04% | 6.21% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Lending and bank accounts, both associated with BSB number 939 200AMP Essential Home Loan | 6.08% | 6.11% | 60–80% LVR | $750,000+ | Redraw · Extra repayments | $0 |
| NRMA InsuranceNRMA Basic Home Loan | 6.08% | 6.12% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| NRMA InsuranceNRMA Offset Home Loan | 6.08% | 6.28% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| HeritageDiscount Variable - Owner Occupied | 6.09% | 6.10% | 70–80% LVR | $20,000–$699,999 | Redraw · Extra repayments | — |
| WestpacFlexi First : Our lowest online variable home loan rate (Owner Occupied) | 6.09% | 6.10% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| MacquarieMacquarie Basic Home Loan | 6.09% | 6.11% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| bankWAWHome Equity Loan Owner Occupied | 6.09% | 6.12% | 1–80% LVR | — | Redraw · Extra repayments | — |
| INGMortgage Simplifier | 6.09% | 6.12% | 71–80% LVR | $150,000+ | Redraw · Extra repayments | $0 |
| Bank First ProductionBasic Home Loan Variable LVR 70-80% | 6.09% | 6.14% | 70–80% LVR | — | Redraw · Extra repayments | — |
| EasystreetSTREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest) | 6.09% | 6.14% | Any | — | Offset · Redraw · Extra repayments | — |
| Unity BankAdvantage Home Loan - Owner Occupied - Variable P&I - Without Offset | 6.09% | 6.14% | Any | — | Redraw · Extra repayments | — |
| Unity BankMomentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO | 6.09% | 6.14% | Any | — | Offset · Redraw · Extra repayments | — |
| CENTRAL MURRAY CREDIT UNION LIMITEDHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70% | 6.09% | 6.15% | Any | — | Offset · Redraw · Extra repayments | — |
| MacquarieMacquarie Offset Home Loan | 6.09% | 6.34% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $248 |
| Credit Union SAVariable Home Loan Package Specials | 6.09% | 6.46% | 60–80% LVR | — | Offset · Redraw · Extra repayments | — |
| Credit Union SAXL Home Loan Package | 6.09% | 6.46% | 60–80% LVR | — | Offset · Redraw · Extra repayments | — |
| BankVicHome Loan Variable Rate | 6.10% | 6.10% | Any | — | Redraw · Extra repayments | — |
| BankVicFixed Rate Home Loan - 1 year | 6.10% | — | Any | — | Extra repayments | — |
| BankVicFixed Rate Home Loan - 2 years | 6.10% | — | Any | — | Extra repayments | — |
| BankVicFixed Rate Home Loan - 3 years | 6.10% | — | Any | — | Extra repayments | — |
| BankVicFixed Rate Home Loan - 4 years | 6.10% | — | Any | — | Extra repayments | — |
| BankVicFixed Rate Home Loan - 5 years | 6.10% | — | Any | — | Extra repayments | — |
| Suncorp BankBack to Basics Variable Rate Better Together Special Offer | 6.13% | 6.14% | 70–80% LVR | $150,000–$3,750,000 | Redraw · Extra repayments | — |
| Bendigo BankBendigo Easy Home Loan | 6.13% | 6.15% | 60–80% LVR | — | Redraw · Extra repayments | $0 |
| P&N BankBasic Variable HL LVR <60 | 6.13% | 6.16% | Any | — | Redraw · Extra repayments | — |
| Qantas MoneyQANTAS Money Basic Home Loan | 6.13% | 6.20% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| Qantas MoneyQANTAS Money Offset Home Loan | 6.13% | 6.36% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Bank AustraliaBasic Home Loan | 6.14% | 6.14% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| BankVicOffset Variable Rate Home Loan | 6.14% | 6.14% | Any | — | Offset · Redraw · Extra repayments | — |
| Qudos BankNo Frills Home Loan | 6.14% | 6.14% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| Bank of usTOPLINE HOME LOAN | 6.14% | 6.16% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| QBANKClassic Home Loan | 6.14% | 6.16% | 70–80% LVR | — | Redraw · Extra repayments | — |
| UBankNeat - OO Variable P&I | 6.14% | 6.16% | 70–80% LVR | — | Redraw · Extra repayments | — |
| bcuOffset Home Loan LVR <60 | 6.14% | 6.17% | Any | — | Offset · Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDBasic Variable Rate Home Loan | 6.14% | 6.19% | 60–80% LVR | — | Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDRenovation Loan - Owner Occupied | 6.14% | 6.21% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| IMB BankEssentials Home Loan | 6.14% | 6.25% | 71–80% LVR | — | Offset · Redraw · Extra repayments | $120 |
| CommBankDigi Home Loan (Owner Occupied) | 6.14% | 6.27% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $240 |
| UBankFlex - Variable OO P&I | 6.14% | 6.38% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $250 |
| Virgin Money AustraliaVirgin Money Loaded Home Loan | 6.14% | 6.43% | 70–80% LVR | $150,000–$399,999 | Offset · Redraw · Extra repayments | $295 |
| Newcastle PermanentPremium Plus Package Variable Home Loan Principal and Interest | 6.14% | 6.48% | ≤80% LVR | $150,000+ | Offset · Redraw · Extra repayments | $395 |
| P&N BankBasic Variable HL LVR >60-70 | 6.17% | 6.20% | Any | — | Redraw · Extra repayments | — |
| P&N BankOffset Variable HL LVR<60 | 6.17% | 6.20% | Any | — | Offset · Redraw · Extra repayments | — |
| Bendigo BankBendigo Flex Home Loan | 6.18% | 6.36% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Qudos BankLow Cost Value Package | 6.18% | 6.36% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $199 |
| Bank AustraliaOffset Home Loan | 6.18% | 6.37% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $388 |
| Bendigo BankBendigo Flex Home Loan (Retail) | 6.18% | 6.38% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Bendigo BankBendigo Complete Home Loan | 6.18% | 6.40% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Bendigo BankFirst Home Buyers (Bendigo Complete Home Loan) | 6.18% | 6.40% | Any | — | Offset · Redraw · Extra repayments | $180 |
| Bendigo BankSingle Parents (Bendigo Complete Home Loan) | 6.18% | 6.40% | Any | — | Offset · Redraw · Extra repayments | $180 |
| Suncorp BankStandard Variable Rate - Home Package Plus Special Offers | 6.18% | 6.53% | 70–80% LVR | $150,000–$3,750,000 | Offset · Redraw · Extra repayments | $375 |
| Defence Bank LimitedDHOAS Premier Low Rate | 6.19% | 6.19% | Any | — | Redraw · Extra repayments | — |
| First Option BankSIMPLE HOME LOAN | 6.19% | 6.19% | 70–95% LVR | — | Redraw · Extra repayments | — |
| The CapricornianVariable Rate Offset Home Loan | 6.19% | 6.19% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| AMB Bank ProductDHOAS Rate Saver Home Loan | 6.19% | 6.22% | 71–80% LVR | — | Redraw · Extra repayments | — |
| My State PM ProductionBasic Variable Loan | 6.19% | 6.22% | ≤98% LVR | — | Redraw · Extra repayments | — |
| P&N BankBasic Variable HL LVR >70-80 | 6.19% | 6.22% | Any | — | Redraw · Extra repayments | — |
| P&N BankOffset Variable HL LVR>60-70 | 6.19% | 6.22% | Any | — | Offset · Redraw · Extra repayments | — |
| Bank First ProductionComplete Home Loan Owner Occupied Variable LVR 70-80% | 6.19% | 6.24% | 70–80% LVR | — | Offset · Redraw · Extra repayments | — |
| My State PM ProductionSpecial Residential Variable Loan | 6.19% | 6.24% | ≤98% LVR | — | Offset · Redraw · Extra repayments | — |
| Unity BankAdvantage Home Loan - Owner Occupied - Variable P&I - With Offset | 6.19% | 6.24% | Any | — | Offset · Redraw · Extra repayments | — |
| Unity BankMomentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO | 6.19% | 6.24% | Any | — | Offset · Redraw · Extra repayments | — |
| CENTRAL WEST CREDIT UNION LTDPremium Smart Home Loan | 6.19% | 6.25% | Any | — | Offset · Redraw · Extra repayments | — |
| NABNAB Tailored Home Loan | 6.19% | 6.32% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $144 |
| Goulburn Murray Credit Union Co-Operative LtdStandard Variable Plus | 6.19% | 6.35% | ≤80% LVR | — | Offset · Redraw · Extra repayments | $96 |
| INGOrange Advantage | 6.19% | 6.48% | 71–80% LVR | $150,000+ | Offset · Redraw · Extra repayments | $299 |
| UniBankYour Way Plus Home Loan | 6.19% | 6.49% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $300 |
| Greater BankDiscounted Ultimate Packaged Home Loan - Variable Owner Occupied | 6.19% | 6.56% | Any | — | Offset · Redraw · Extra repayments | $395 |
| Bank First ProductionPremier Package Home Loan Owner Occupied Variable LVR 70-80% | 6.19% | 6.58% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $390 |
| MOVE BankOffset Home Loan | 6.19% | — | Any | — | Offset · Redraw · Extra repayments | — |
| bcuOffset Home Loan LVR >60-80 | 6.23% | 6.26% | Any | — | Offset · Redraw · Extra repayments | — |
| Cairns bankCLASSIC HOME LOAN VARIABLE <60 LVR PI | 6.24% | 5.95% | Any | — | Redraw · Extra repayments | — |
| Defence Bank LimitedPremier Low Rate | 6.24% | 6.24% | Any | — | Redraw · Extra repayments | — |
| CENTRAL MURRAY CREDIT UNION LIMITEDHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80% | 6.24% | 6.30% | Any | — | Offset · Redraw · Extra repayments | — |
| TRANSPORT MUTUAL CREDIT UNION LTDBASIC VARIABLE LOAN | 6.24% | 6.34% | Any | — | Offset · Redraw · Extra repayments | — |
| CoastlineClassic Home Loan | 6.24% | 6.39% | 60–80% LVR | — | Offset · Redraw · Extra repayments | $96 |
| QBANKClassic Plus Home Loan | 6.24% | 6.52% | 70–80% LVR | — | Offset · Redraw · Extra repayments | — |
| First Option BankCOMPLETE PACKAGE HOME LOAN | 6.24% | 6.59% | 70–95% LVR | — | Offset · Redraw · Extra repayments | $375 |
| ANZ PlusANZ Plus Home Loan Variable | 6.25% | 6.26% | Any | — | Offset · Redraw · Extra repayments | — |
| Regional Australia BankRegional Australia Bank Home Loan (Offset) | 6.25% | 6.28% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $0 |
| Lending and bank accounts, both associated with BSB number 939 200Professional Package | 6.28% | 6.69% | 70–80% LVR | $1,000,000+ | Offset · Redraw · Extra repayments | $415 |
| Cairns bankCLASSIC HOME LOAN VARIABLE 60-80 LVR PI | 6.29% | 6.00% | Any | — | Redraw · Extra repayments | — |
| RACQ BankFair Dinkum Home Loan | 6.29% | 6.29% | 70–80% LVR | — | Extra repayments | — |
| AFG Home Loans AlphaAFG Alpha Basic Home Loan | 6.29% | 6.31% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| Aussie Home LoansAussie Elevate Basic Home Loan | 6.29% | 6.31% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| Connective Select Home LoansConnective Select Basic Home Loan | 6.29% | 6.31% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| AMB Bank ProductRateSaver Home Loan | 6.29% | 6.32% | 71–80% LVR | — | Redraw · Extra repayments | — |
| bcuOMG Home Loan (P&I) LVR>80 | 6.29% | 6.32% | Any | — | Redraw · Extra repayments | — |
| Dnister BankSimple Home Loan | 6.29% | 6.68% | Any | — | Extra repayments | $395 |
| ORANGE CREDIT UNION LTDPremium Home Loan Fixed 12 mths Interest Only Owner Occupied | 6.29% | — | Any | — | Offset · Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDPremium Home Loan Fixed 12 mths P&I Owner Occupied | 6.29% | — | Any | — | Offset · Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDPremium Home Loan Fixed 24 mths Interest Only Owner Occupied | 6.29% | — | Any | — | Offset · Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDPremium Home Loan Fixed 24 mths P&I Owner Occupied | 6.29% | — | Any | — | Offset · Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDPremium Home Loan Fixed 36 mths Interest Only Owner Occupied | 6.29% | — | Any | — | Offset · Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDPremium Home Loan Fixed 36 mths P&I Owner Occupied | 6.29% | — | Any | — | Offset · Redraw · Extra repayments | — |
| Cairns bankPLUS HOME LOAN VARIABLE <60 LVR | 6.34% | 6.27% | Any | — | Offset · Redraw · Extra repayments | — |
| AMB Bank ProductDHOAS Value Home Loan | 6.34% | 6.37% | 71–80% LVR | — | Offset · Redraw · Extra repayments | — |
| AFG Home Loans AlphaAFG Alpha Offset Home Loan | 6.34% | 6.52% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Aussie Home LoansAussie Elevate Offset Home Loan | 6.34% | 6.52% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| Connective Select Home LoansConnective Select Offset Home Loan | 6.34% | 6.52% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $180 |
| LCUFirst Home Buyer Loan Variable | 6.35% | 6.23% | Any | — | Offset · Redraw · Extra repayments | — |
| LCUIntelligent Mortgage 1 Year Fixed | 6.35% | 6.34% | Any | — | Redraw · Extra repayments | — |
| LCUIntelligent Mortgage 2 Years Fixed | 6.35% | 6.34% | Any | — | Redraw · Extra repayments | — |
| LCUIntelligent Mortgage Variable | 6.35% | 6.37% | Any | — | Offset · Redraw · Extra repayments | — |
| P&N BankOffset Variable HL>70-80 | 6.35% | 6.38% | Any | — | Offset · Redraw · Extra repayments | — |
| Cairns bankPLUS HOME LOAN VARIABLE 60-80 LVR PI | 6.39% | 6.32% | Any | — | Offset · Redraw · Extra repayments | — |
| Bank of MelbourneBasic Variable Home Loan | 6.39% | 6.40% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| BankSABasic Variable Home Loan | 6.39% | 6.40% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| St. George BankBasic Variable Home Loan | 6.39% | 6.40% | 70–80% LVR | — | Redraw · Extra repayments | $0 |
| bcuOffset Home Loan LVR >80 | 6.39% | 6.42% | Any | — | Offset · Redraw · Extra repayments | — |
| RACQ BankMortgage Saver Home Loan | 6.39% | 6.43% | 70–80% LVR | — | Redraw · Extra repayments | — |
| ORANGE CREDIT UNION LTDPremium Home Loan Variable | 6.39% | 6.44% | 60–80% LVR | — | Offset · Redraw · Extra repayments | — |
| WARWICK CREDIT UNIONESSENTIAL HOME LOAN | 6.39% | 6.56% | Any | — | Redraw · Extra repayments | — |
| NABNAB Base Variable Rate Home Loan | 6.44% | 6.44% | Any | — | Redraw · Extra repayments | — |
| NORTHERN INLAND CREDIT UNION LTD.Dream Home Loan Variable PI Owner Occupied | 6.44% | 6.78% | Any | — | Offset · Redraw · Extra repayments | $350 |
| The Mutual BankPackage Home Loan | 6.44% | 6.80% | Any | — | Offset · Redraw · Extra repayments | $395 |
| Dnister BankSimple Home Loan Plus | 6.45% | 6.84% | Any | — | Offset · Redraw · Extra repayments | $395 |
| Cairns bankCLASSIC HOME LOAN VARIABLE 80-90 LVR PI | 6.49% | 6.20% | Any | — | Redraw · Extra repayments | — |
| AMB Bank ProductValue Home Loan | 6.49% | 6.52% | 71–80% LVR | — | Offset · Redraw · Extra repayments | — |
| P&N BankBasic Variable HL LVR >80-90 | 6.49% | 6.52% | Any | — | Redraw · Extra repayments | — |
| RACQ BankMortgage Breaker Owner Occupied | 6.49% | 6.53% | 70–80% LVR | — | Offset · Redraw · Extra repayments | — |
| Liberty FinancialLow rate home loan | 6.49% | 6.57% | Any | — | Redraw · Extra repayments | $0 |
| TRANSPORT MUTUAL CREDIT UNION LTDSTANDARD VARIABLE LOAN | 6.49% | 6.59% | Any | — | Offset · Redraw · Extra repayments | — |
| CommBankSimple Home Loan (Owner Occupied) | 6.49% | 6.74% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $360 |
| Bank of MelbourneVariable Home Loan with Offset | 6.49% | 6.86% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| BankSAVariable Home Loan with Offset | 6.49% | 6.86% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| St. George BankVariable Home Loan with Offset | 6.49% | 6.86% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| WestpacRocket Loan : Variable Home Loan with Offset (Owner Occupied) | 6.49% | 6.86% | 70–80% LVR | — | Offset · Redraw · Extra repayments | $395 |
| CommBankStandard Variable Rate Home Loan (Owner Occupied) | 6.49% | 6.87% | 70–80% LVR | $10,000+ | Offset · Redraw · Extra repayments | $428 |
| ANZANZ Simplicity PLUS | 6.54% | 6.54% | 70–80% LVR | $50,000+ | Redraw · Extra repayments | $0 |
| Defence Bank LimitedDHOAS Premier Home Loan | 6.54% | 6.54% | Any | — | Offset · Redraw · Extra repayments | — |
| Broken Hill BankChoice Offset Home Loan | 6.54% | 6.59% | Any | — | Offset · Redraw · Extra repayments | — |
| Dnister BankPremier Home Loan | 6.55% | 6.60% | Any | — | Offset · Redraw · Extra repayments | — |
| Cairns bankPLUS HOME LOAN VARIABLE 80-90 LVR PI | 6.59% | 6.51% | Any | — | Offset · Redraw · Extra repayments | — |
| Defence Bank LimitedPremier Home Loan | 6.59% | 6.59% | Any | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDBetter Home Loan 95% LVR - First Home Buyer | 6.59% | 6.66% | ≤95% LVR | — | Offset · Redraw · Extra repayments | — |
| Liberty FinancialDebt consolidation home loan | 6.59% | 6.86% | Any | — | Offset · Redraw · Extra repayments | $295 |
| Liberty FinancialFlexible home loan | 6.59% | 6.86% | Any | — | Offset · Redraw · Extra repayments | $295 |
| Dnister BankSTD VAR Home Loan | 6.60% | 6.65% | Any | — | Extra repayments | — |
| Horizon BankHome Sweet Home Loan | 6.64% | 6.86% | 70–90% LVR | — | Offset · Redraw · Extra repayments | $300 |
| P&N BankOffset Variable HL LVR>80-90 | 6.67% | 6.70% | Any | — | Offset · Redraw · Extra repayments | — |
| Cairns bankCLASSIC HOME LOAN VARIABLE >90 LVR PI | 6.69% | 6.40% | Any | — | Redraw · Extra repayments | — |
| The CapricornianLifestyle Home Loan | 6.69% | 6.74% | Any | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDBetter Home Loan 80% LVR - Owner Occupied | 6.69% | 6.76% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDBetter Home Loan 90% LVR - Owner Occupied | 6.69% | 6.76% | 80–90% LVR | — | Offset · Redraw · Extra repayments | — |
| Defence Bank LimitedUltimate Essentials DHOAS | 6.69% | 6.78% | Any | — | Offset · Redraw · Extra repayments | $96 |
| Defence Bank LimitedUltimate Essentials DHOAS Construction (OO) | 6.69% | 6.79% | Any | — | Offset · Extra repayments | $96 |
| MACARTHUR CREDIT UNION LTDLOW LVR OOC P&I | 6.74% | 6.81% | Any | — | Redraw · Extra repayments | — |
| Defence Bank LimitedUltimate Essentials Variable | 6.74% | 6.84% | Any | — | Offset · Redraw · Extra repayments | $96 |
| Suncorp BankStandard Variable Rate - Home Package Plus Special Offers for First Home Buyers | 6.74% | 7.09% | 1–95% LVR | $150,000–$3,750,000 | Offset · Redraw · Extra repayments | $375 |
| WARWICK CREDIT UNIONPACKAGE HOME LOANS | 6.74% | 7.15% | Any | — | Offset · Redraw · Extra repayments | — |
| Cairns bankPLUS HOME LOAN VARIABLE >90 PI | 6.79% | 6.71% | Any | — | Offset · Redraw · Extra repayments | — |
| AMB Bank ProductDHOAS Standard Variable Home Loan | 6.79% | 6.82% | ≤98% LVR | — | Offset · Redraw · Extra repayments | — |
| P&N BankBasic Variable HL LVR >90-95 | 6.79% | 6.82% | Any | — | Redraw · Extra repayments | — |
| Broken Hill BankL29 Occupied Housing | 6.89% | 6.94% | Any | — | Redraw · Extra repayments | — |
| CENTRAL WEST CREDIT UNION LTDMinimiser Home Loan | 6.89% | 6.95% | Any | — | Redraw · Extra repayments | — |
| AMB Bank ProductStandard Variable Home Loan | 6.94% | 6.97% | ≤98% LVR | — | Offset · Redraw · Extra repayments | — |
| bankWAWFlexible Choice Owner Occupied | 6.99% | 7.05% | 1–80% LVR | — | Offset · Redraw · Extra repayments | — |
| CENTRAL MURRAY CREDIT UNION LIMITEDHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest | 6.99% | 7.05% | Any | — | Offset · Redraw · Extra repayments | — |
| Liberty FinancialLow doc home loan | 6.99% | 7.26% | Any | — | Offset · Redraw · Extra repayments | $295 |
| Credit Union SAVariable Home Loan Package Principal and Interest | 6.99% | 7.35% | Any | — | Offset · Redraw · Extra repayments | — |
| TRANSPORT MUTUAL CREDIT UNION LTD1 YEAR FIXED INTEREST ONLY | 6.99% | — | Any | — | Offset · Redraw · Extra repayments | — |
| TRANSPORT MUTUAL CREDIT UNION LTD2 YEAR FIXED INTEREST ONLY | 6.99% | — | Any | — | Offset · Redraw · Extra repayments | — |
| TRANSPORT MUTUAL CREDIT UNION LTDVARIABLE INTEREST ONLY | 6.99% | — | Any | — | Offset · Redraw · Extra repayments | — |
| Credit Union SADiscounted Variable Rate Home Loan Principal and Interest | 7.04% | 7.07% | Any | — | Redraw · Extra repayments | — |
| Woolworths Team BankFlexible Home Loan Owner Occupied | 7.04% | 7.13% | 80–90% LVR | — | Offset · Redraw | — |
| Woolworths Team BankPlain and Simple Home Loan Owner Occupied | 7.04% | 7.13% | 80–90% LVR | — | Redraw | — |
| Liberty FinancialFresh start home loan | 7.14% | 7.48% | Any | — | Redraw · Extra repayments | $180 |
| CENTRAL WEST CREDIT UNION LTDSmart Home Loan | 7.15% | 7.21% | Any | — | Offset · Redraw · Extra repayments | — |
| CENTRAL WEST CREDIT UNION LTDSmart Fixed Rate Home Loan 1 year | 7.15% | — | Any | — | Redraw · Extra repayments | — |
| CENTRAL WEST CREDIT UNION LTDSmart Fixed Rate Home Loan 2 year | 7.15% | — | Any | — | Redraw · Extra repayments | — |
| P&N BankOffset Variable HL LVR>90-95 | 7.20% | 7.23% | Any | — | Offset · Redraw · Extra repayments | — |
| ANZANZ Standard Variable home loan | 7.24% | 7.24% | ≤80% LVR | — | Offset · Redraw · Extra repayments | $0 |
| Credit Union SAStandard Variable Rate Home Loan Principal and Interest | 7.24% | 7.29% | Any | — | Offset · Redraw · Extra repayments | — |
| NORTHERN INLAND CREDIT UNION LTD.Smart Home Loan Variable | 7.44% | 7.61% | Any | — | Offset · Redraw · Extra repayments | $96 |
| The CapricornianPremium Choice Home Loan | 7.45% | 7.50% | Any | $50,000+ | Offset · Redraw · Extra repayments | — |
| LCUBridging Loan Owner Occupied Variable | 7.49% | 7.51% | Any | — | Redraw · Extra repayments | — |
| CENTRAL MURRAY CREDIT UNION LIMITEDHOUSING LOAN (CODE) - Owner Occupied - Variable Interst - Principal and Interest - LVR > 80% | 7.49% | 7.55% | Any | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDStandard Variable Home Loan 80% LVR - Owner Occupied | 7.49% | 7.56% | ≤80% LVR | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDStandard Variable Home Loan 90% LVR - Owner Occupied | 7.49% | 7.56% | 80–90% LVR | — | Offset · Redraw · Extra repayments | — |
| POLICE CREDIT UNION LIMITEDStandard Variable Home Loan 95% LVR - First Home Buyer | 7.49% | 7.56% | ≤95% LVR | — | Offset · Redraw · Extra repayments | — |
| TRANSPORT MUTUAL CREDIT UNION LTDHOME EQUITY LOAN | 7.49% | 7.60% | Any | — | Redraw · Extra repayments | — |
| MACARTHUR CREDIT UNION LTDBASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K | 7.62% | 7.69% | Any | — | Redraw · Extra repayments | — |
| Greater BankUltimate Packaged Home Loan - Variable Owner Occupied | 7.66% | 8.01% | Any | — | Offset · Redraw · Extra repayments | $395 |
| MACARTHUR CREDIT UNION LTDBASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K | 7.72% | 7.79% | Any | — | Redraw · Extra repayments | — |
| MACARTHUR CREDIT UNION LTDBASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K | 7.82% | 7.89% | Any | — | Redraw · Extra repayments | — |
| The CapricornianAccess Equity Home Loan | 7.84% | 7.89% | Any | — | Redraw · Extra repayments | — |
| Greater BankGreat Rate Home Loan - Variable Owner Occupied | 7.86% | 7.87% | Any | — | Redraw · Extra repayments | — |
| MACARTHUR CREDIT UNION LTDBASIC VARIABLE LOAN OWNER OCCUPIED P&I | 7.92% | 7.99% | Any | — | Redraw · Extra repayments | — |
| MACARTHUR CREDIT UNION LTDMORTGAGE OFFSET OWNER OCCUPIED P&I | 7.92% | 7.99% | Any | — | Offset · Redraw · Extra repayments | — |
| Lending and bank accounts, both associated with BSB number 939 200Land Loan | 7.95% | 8.01% | Any | up to null | Redraw · Extra repayments | $0 |
| BOQ SpecialistBasic Home Loan | 8.02% | 8.20% | ≤90% LVR | — | Redraw | $120 |
| WARWICK CREDIT UNIONRURAL LIFESTYLE LOAN | 8.10% | 8.17% | Any | — | Redraw · Extra repayments | — |
| Greater BankStandard Home Loan - Variable Owner Occupied | 8.13% | 8.18% | Any | — | Redraw · Extra repayments | — |
| Horizon BankHANDYLOAN | 8.14% | — | Any | — | — | $60 |
| WARWICK CREDIT UNIONCLASSIC HOME LOAN | 8.15% | 8.23% | Any | — | Offset · Redraw · Extra repayments | — |
| People First BankBasic Variable Home Construction | 8.18% | 8.18% | ≤95% LVR | $20,000–$2,000,000 | Offset · Extra repayments | — |
| People First BankBasic Variable Home Loan | 8.18% | 8.18% | ≤95% LVR | $20,000–$2,000,000 | Offset · Redraw · Extra repayments | — |
| Broken Hill BankL70 Mortgage Offset Home Loan | 8.20% | 8.25% | Any | — | Offset · Redraw · Extra repayments | — |
| Queensland Country BankHome Equity Loan | 8.24% | 9.72% | Any | — | Extra repayments | $120 |
| My State PM ProductionStandard Variable Loan | 8.37% | 8.43% | ≤100% LVR | — | Offset · Redraw · Extra repayments | — |
| Bank of ChinaStandard Variable Rate Home Loan | 8.39% | 8.46% | Any | — | Redraw · Extra repayments | — |
| Judo BankHome Loan | 8.65% | 8.67% | Any | — | Redraw · Extra repayments | — |
| Suncorp BankBack to Basics Variable Rate | 8.65% | 8.73% | 1–95% LVR | $10,000–$3,750,000 | Redraw · Extra repayments | — |
| Gateway BankConstruction Loan Var Rate | 8.68% | 8.75% | Any | — | Offset · Redraw · Extra repayments | — |
| Gateway BankHome Loan - Variable Rate | 8.68% | 8.75% | Any | — | Redraw · Extra repayments | — |
| Gateway BankLand Loan Variable Rate | 8.68% | 8.75% | Any | — | Offset · Redraw · Extra repayments | — |
| Queensland Country BankHome Loan-Variable Rate | 8.74% | 8.89% | Any | — | Offset · Redraw · Extra repayments | $120 |
| People First BankHome Build Access (HBA) SIL | 8.80% | — | ≤98% LVR | — | Extra repayments | — |
| Liberty FinancialLow deposit home loan | 8.89% | 9.64% | Any | — | Offset · Redraw · Extra repayments | $295 |
| IMB BankStandard Variable Home Loan | 8.96% | 9.03% | 1–95% LVR | — | Offset · Redraw · Extra repayments | — |
| The CapricornianMortgage Plus Home Loan | 8.98% | — | Any | $100,000+ | — | $120 |
| CoastlineVariable Housing | 9.21% | 9.21% | Any | up to null | Redraw · Extra repayments | — |
| Suncorp BankStandard Variable Rate | 9.23% | 9.41% | 1–95% LVR | $10,000–$3,750,000 | Offset · Redraw · Extra repayments | $120 |
| Arab Bank Australia Ltd ProdBasics Home Loan Special Offer | 9.29% | 9.42% | Any | — | Redraw · Extra repayments | $96 |
| Arab Bank Australia Ltd ProdThe Basics Home Loan | 9.29% | 9.42% | Any | — | Redraw · Extra repayments | $96 |
| Arab Bank Australia Ltd ProdEssentials Home Loan | 9.39% | 9.44% | Any | — | Offset · Redraw · Extra repayments | — |
| Arab Bank Australia Ltd ProdEssentials Home Loan Special Offer | 9.39% | 9.44% | Any | — | Offset · Redraw · Extra repayments | — |
| BOQ SpecialistPlus Home Loan | 9.44% | — | Any | — | — | — |
| BOQ SpecialistHome Loan Banking Package | 9.62% | 10.09% | ≤90% LVR | — | — | $495 |
| bcuBridging Loan | 9.76% | 9.79% | Any | — | Extra repayments | — |
| Broken Hill BankL22 Secured Personal Loan | 13.75% | 13.80% | Any | — | Redraw · Extra repayments | — |
Showing 278 of 1,255 home loans. 129 with restricted eligibility (staff, profession, age, green or business-only) are hidden.
Published by each institution under the Consumer Data Right, last changed by them on 23 Sept 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.
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