Horizon BankHome Sweet Home Loan
A variable home loan that ideal for both experienced and first home buyers.
At a glance
- Variable (owner occ. P&I)
- 6.74%6.97% comparison
- Max LVR
- 95%
- Annual fee
- $150
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.89% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 90th lowest of 104, level with one other |
Rates
Every rate Horizon Bank publishes for this home loan, 4 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%6.74%
- 70–90%6.89%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| DiscountFor 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 | 6.14% | 6.85% | Special Discount Rate is available for new business only. Indicated rate is for the first 2 years only. |
| DiscountFor 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 | 6.29% | 7.00% | Special Discount Rate is available for new business only. Indicated rate is for the first 2 years only. |
| 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 | 6.74% | 6.97% | - |
| 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 | 6.89% | 7.12% | - |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Discount, Owner occupied, P&I, ≤70% LVR | 5.89% | 6.14% | up 0.25 |
| 13 Oct 2026 | Discount, Owner occupied, P&I, 70–90% LVR | 6.04% | 6.29% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, ≤70% LVR | 6.49% | 6.74% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I, 70–90% LVR | 6.64% | 6.89% | 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.
Fees
5 fees published, grouped by when they're charged.
- When you take it out$350350_ESTABLISHMENT_FEE
- While you hold itUp to $1502 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- 350_ESTABLISHMENT_FEE$350
While you hold it2
- 150_ANNUAL_FEE$150 a year
- 150_OFFSET_FEE
Only payable if OFFSET feature enabled
$150 a year
When you make a transaction2
- LEGAL_AND_VALUATION_FEES
Third party costs including solicitors, valuers, agent fees & government charges including stamp duty, registration and any other fees we incur as applicable.
No fee - OTHER_FEES_AND_CHARGES_MAY_APPLY
A full list of fees and charges will be provided if loan is approved. Visit: https://horizonbank.com.au/more/important-info/fees-and-charges/
No fee
Features
Eligibility and limits
- Available to individuals
- Maximum LVR 95%
- Minimum balance $50,000
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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.