Calculate and save by comparing home loans

Product
Advertised Rate
Comparison Rate*
Company
Monthly Repayment
Features
Real Time Rating™
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1.90%

Fixed - 1 year

2.42%

Reduce Home Loans

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.69

/ 5
More details

1.98%

Fixed - 1 year

2.38%

Homestar Finance

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.46

/ 5
More details

1.99%

Fixed - 1 year

3.52%

Greater Bank

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

1.65

/ 5
More details

2.06%

Fixed - 3 years

2.38%

Homestar Finance

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.66

/ 5
More details

2.14%

Fixed - 3 years

2.41%

UBank

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.84

/ 5
More details

2.14%

Fixed - 1 year

2.46%

UBank

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.00

/ 5
More details

2.18%

Fixed - 1 year

2.58%

Homestar Finance

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.15

/ 5
More details

2.18%

Fixed - 2 years

3.72%

Newcastle Permanent

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.44

/ 5
More details

2.19%

Variable

2.22%

Yard

$1.3k

Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied

3.86

/ 5
More details

2.19%

Variable

2.23%

Reduce Home Loans

$1.3k

Redraw facility
Offset Account
Borrow up to 75%
Extra Repayments
Interest Only
Owner Occupied

3.91

/ 5
More details

Get the right home loan for your budget

Interest rates

Interest rates

A variety of interest rate options are available, from variable rates offering flexibility, to fixed rates for simpler budgeting, and split rates offering the best of both worlds. Remember that as well as interest charges, you’ll also have to pay home loan fees – check the Comparison Rate for an indication of each loan’s total cost.

Deposit size

Deposit size

While home loans traditionally require a deposit of 20% of the property value, some lenders let you borrow with a deposit of just 10% or 5%. Keep in mind that a mortgage with a Loan to Value Ratio (LVR) higher than 80% (e.g. a deposit smaller than 20%) may require you to pay Lender’s Mortgage Insurance (LMI) as an extra cost.

Features

Features

If your mortgage comes with an offset account, you can use money saved in this account to reduce your interest charges. And if your lender allows you to make extra repayments onto your home loan, a redraw facility will let you withdraw some of these funds in case you need them.

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