Selecting the right home loan

RateCity StaffJul 8, 2009( 1 min read )

Making the right home loan choice can be like picking through pebbles at a beach. It’s important to remember that there are no right or wrong choices, it all comes down to your individual financial needs and requirements.

Compare Australian home loans

With over 2000 different Australian mortgage products in our database RateCity can help you to compare home loans by the lowest rate, potentially saving you thousands of dollars every year.

We also allow you to compare specialised home loans such as low doc loans, allowing you to find home loans that better suit your circumstances.

Calculate your mortgage repayments

Once you have found a few home loan options that suit your particular financial needs, you can use our mortgage repayment calculator to work out what your repayments will look like with each home loan.

RateCity Staff

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Today's top home loans products

Well Balanced Home Loan (Principal and Interest) (LVR 60%-80%)

Real Time Rating™

4.604000020027161 / 5

Advertised Rate

Comparison Rate*

2.82%

Variable

2.86%

No ongoing fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Enquire Now

Smart Home Loan

Real Time Rating™

4.34599997997284 / 5

Advertised Rate

Comparison Rate*

2.88%

Variable

2.90%

No ongoing fees
Extra repayments + redraw services
Free redraw facility
Repayments may decrease if RBA cuts rates

View Now

Activate Prime Full Doc Home Loan (LVR 75%-80%)

Real Time Rating™

4.484000039100647 / 5

Advertised Rate

Comparison Rate*

3.09%

Variable

3.12%

No ongoing fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Enquire Now

Discount Offer Variable Home Loan ($200k+)

Real Time Rating™

4.234000086784363 / 5

Advertised Rate

Comparison Rate*

3.09%

Variable

3.09%

specialRate dropping to 2.84% on 29/10/2019. Available for new and existing customers. $0 application and ongoing fees.

View Now

FAQs

The Rate Guarantee is RateCity putting its money where its mouth is. We believe that too many Australians are paying too much for their home loans. We’re so confident we can help Aussies save money, if we can’t beat your current rate, we’ll give you a $100 gift card.*

There are three reasons it pays to check your rate with the RateCity Rate Guarantee:

You can find out how much you could save on your home loan by switching to a loan with a lower interest rate
If we can’t beat your current rate, you can claim a $100 gift card with our Rate Guarantee*
Everyone who checks their home loan will be entered in the draw for a chance to win $1 million!^

Selecting the right home loan

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Similar home loans searches

Today's top home loans productsSelected based on performance and popularity on our site. RateCity may receive remuneration for referrals to these links and/or as a consequence of a consumer acquiring a product after following these links.

Well Balanced Home Loan (Principal and Interest) (LVR 60%-80%)

Smart Home Loan

Activate Prime Full Doc Home Loan (LVR 75%-80%)

Discount Offer Variable Home Loan ($200k+)

FAQs

Today's top home loans products