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Product

Variable Home Loan

Real Time Rating™

4.07

/ 5
Interest Rate

3.09

% p.a

Variable

Comparison Rate*

3.00

% p.a

Company
Repayment

$1,437

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.07

/ 5
Product

Live-in Variable

Real Time Rating™

4.35

/ 5
Interest Rate

3.09

% p.a

Variable

Comparison Rate*

3.10

% p.a

Company
Repayment

$1,437

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.35

/ 5

special

Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
Product

Variable Home Loan

Real Time Rating™

4.51

/ 5
Interest Rate

3.10

% p.a

Variable

Comparison Rate*

3.12

% p.a

Company
Repayment

$1,438

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.51

/ 5
Product

Variable Rate Home Loan – Refinance Only

Real Time Rating™

4.33

/ 5
Interest Rate

3.14

% p.a

Variable

Comparison Rate*

3.06

% p.a

Company
Repayment

$1,445

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.33

/ 5

special

Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.
Product

Low Rate Home Loan - Prime (Owner Occupied) (Principal and Interest)

Real Time Rating™

4.54

/ 5

Winner of Best Refinance Home Loan, RateCity Gold Awards 2022

Interest Rate

3.14

% p.a

Variable

Comparison Rate*

3.14

% p.a

Company
Repayment

$1,445

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.54

/ 5

Winner of Best Refinance Home Loan, RateCity Gold Awards 2022

Product

Neat Home Loan

Real Time Rating™

4.34

/ 5
Interest Rate

3.14

% p.a

Variable

Comparison Rate*

3.16

% p.a

Company
Repayment

$1,445

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.34

/ 5
Product

Back to Basics Home Loan Special Offer

Real Time Rating™

4.70

/ 5
Interest Rate

3.22

% p.a

Variable

Comparison Rate*

3.23

% p.a

Company
Repayment

$1,457

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.70

/ 5

Cashback

Receive $3,000 cash when you take out a Suncorp Bank home loan of $750K or more with LVR <=90%. Apply by 30 November 2022, settle by 28 February 2023. Unless withdrawn prior. T&Cs & eligibility criteria apply. ~ Ends in 4 months
Product

Low Rate Home Loan - Prime (Owner Occupied) (Principal and Interest)

Real Time Rating™

4.49

/ 5

Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2022

Interest Rate

3.24

% p.a

Variable

Comparison Rate*

3.24

% p.a

Company
Repayment

$1,460

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.49

/ 5

Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2022

Product

Ocean Owner Occupied Variable (No Annual Fee)

Real Time Rating™

4.74

/ 5

Winner of Best Refinance Home Loan, RateCity Gold Awards 2022

Interest Rate

3.24

% p.a

Variable

Comparison Rate*

3.31

% p.a

Company
Repayment

$1,460

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.74

/ 5

Winner of Best Refinance Home Loan, RateCity Gold Awards 2022

Product

Low Rate Home Loan - Prime (Investment) (Principal and Interest)

Real Time Rating™

4.46

/ 5
Interest Rate

3.29

% p.a

Variable

Comparison Rate*

3.29

% p.a

Company
Repayment

$1,468

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.46

/ 5

Get the right home loan for your budget

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

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

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.

Home Loan Providers

Are you struggling to get your head around home loans? Are you unsure which mortgage deal will best suit your financial needs and personal goals? Do you not know your LVRs from your LMIs, or your offset accounts from your lines of credit?

Sounds like you may need some help from a mortgage broker. These home loan experts can walk you through every step of your home loan journey, from working out what you can afford to signing on the dotted line. Even if you’re refinancing an existing home loan, a broker may help you find the best deal on your mortgage, giving you access to exclusive home loan offers and negotiating on your behalf to potentially get an even better rate.

Compare mortgage brokers today to find an expert guide to the world of home loans. You may be able to benefit from the local knowledge of a mortgage broker in your area, saving you time and hassle. Plus, as most mortgage brokers are paid commissions by lenders, it usually costs you nothing to visit a broker.