Horizon BankFirst Home Buyer Loan
Our competitive variable rate loan for first home buyers
Home loansBank updated 12 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 5.99%6.00% comparison
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
Rates
Every rate Horizon Bank publishes for this home loan, 2 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤70%5.99%
- 70–90%6.14%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableFor Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This compa… | Owner occupied, P&I | - | ≤70% LVR | 5.99% | 6.00% | - |
| VariableFor Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This compa… | Owner occupied, P&I | - | 70–90% LVR | 6.14% | 6.15% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Owner occupied, P&I, ≤70% LVR | 5.74% | 5.99% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 70–90% LVR | 5.89% | 6.14% | up 0.25 |
Each change is logged the night it appears in the rates Horizon Bank publishes. See how every lender answered the RBA on the rate tracker.
Features
Offset accountRedrawExtra repaymentsInstant paymentsDigital banking
Eligibility and limits
- Available to individuals
- Maximum LVR 95%
- Minimum balance $250,000
- This loan is only available for First Home buyers
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Published by Horizon Bank under the Consumer Data Right, last changed by them on 12 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.