Home Loan Ratings

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Home Loan Ratings

Has your mortgage been awarded a CANSTAR star rating? To calculate the star ratings CANSTAR evaluate over 1,600 home loans from 110 lenders and are given a rating out of 5, 5 stars being outstanding and 1 star satisfactory. These ratings are a consumer-friendly benchmark to assist you in comparing mortgages based on their rates and features and help you choose the best one that meets all of your requirements. Some of the mortgage features that are measured include:

  • The published rate (%) for a loan of $250k
  • Loan fees both upfront and ongoing
  • Availability of spilt facility
  • Principal plus interest or interest only
  • Max LVR
  • Min loan amount
  • If 100% offset account is available
  • Redraw facility
  • Portability

Only the top 5 percent of products scored using the CANSTAR star ratings methodology are awarded the prestigious five star status. As a consumer, this is your guarantee of a high-performance and superior value product. The rising star status is given to mortgage products which do not meet the criteria for being rated (perhaps they have only been on the market for six months), but show potential to score highly in the near future.

View the table below to see mortgages that have received a star rating.

Updating your preferences
We found 40 products that match your search

Show: 10 25 All Results

Company Product Advertised Rate Comparison Rate Application Fees Monthly Repayment Star Rating Go To Site
Select up to 3 products to compare
loans.com.au Dream Home Loan Blackboard Special 4.54% Variable 4.58% $0 $1,272.66
Go to Site
UBank UHomeLoan 4.62% Variable 4.62% $0 $1,284.60
Go to Site
CUA Fresh Start Variable 4.65% Variable 4.67% $0 $1,289.09 Not Rated Go to Site
bankmecu Basic Variable Special 4.69% Variable 4.70% $0 $1,295.09 Not Rated Go to Site
Yellow Brick Road Rate Smasher 4.68% Variable 4.71% $0 $1,293.59 Not Rated Go to Site
State Custodians Breathe Easy Offset 4.84% Variable 4.74% $0 $1,317.71
Go to Site
HSBC Home Value 4.80% Variable 4.82% $0 $1,311.66
Go to Site
State Custodians Standard Variable Offset 4.69% Variable 4.87% $0 $1,295.09
Go to Site
State Custodians Peak Performance Offset 4.59% Variable 4.92% $0 $1,280.12
Go to Site
IMB Essentials 4.98% Variable 4.98% $0 $1,339
Go to Site
BOQ Clear Path Variable Home Loan 4.87% Variable 5.00% $0 $1,322.26
Go to Site
Newcastle Permanent Discounted Real Deal 3 yrs 5.15% Variable 5.09% $0 $1,365.07
Go to Site
Newcastle Permanent Real Deal 5.15% Variable 5.16% $0 $1,365.07
Go to Site
IMB Introductory Variable 1 yr 5.41% Variable 5.17% $445 $1,405.39
Go to Site
bankmecu First Homebuyers 5.09% Variable 5.18% $595 $1,355.84 Not Rated Go to Site
bankmecu Premium 250-499k 5.14% Variable 5.19% $0 $1,363.53
Go to Site
Commonwealth Bank No Fee Variable Rate 5.20% Variable 5.20% $0 $1,372.78
Go to Site
Newcastle Permanent Premium Plus Package Premium Variable 250-499k 4.87% Variable 5.22% $0 $1,442.60
Go to Site
CUA Rate Breaker Rate Breaker 10k+ 4.91% Variable 5.25% $0 $1,328.34
Go to Site
CUA Rate Breaker 4.91% Variable 5.25% $0 $1,328.34
Go to Site
Greater Building Society Ultimate Home Loan Package Variable 4.94% Variable 5.30% $0 $1,452.75
Go to Site
FCCS Credit Union Member Advantage Loan 5.29% Variable 5.34% $600 $1,386.71
Go to Site
FCCS Credit Union Property Accumulator 5.29% Variable 5.34% $600 $3,605.44
Go to Site
IMB Platinum Package Standard Variable 250-499k 4.96% Variable 5.35% $0 $1,455.65
Go to Site
bankmecu First Home Buyers Loan Package First Homebuyers 4.99% Variable 5.36% $0 $1,340.53 Not Rated Go to Site

Showing 1 - 25 of 40 results

Show: 10 25 All Results

Data last updated August 2nd, 2014

The comparison rate is based on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. The monthly repayment is based on the advertised rate, your chosen loan amount and a 25 year loan term.

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.