Home loan experts available with rates from 2.74%
Find home loans from a wide range of Australian lenders that suit your needs and contact a broker to help you with your home loan journey. Compare interest rates, mortgage repayments, fees and more, and find a broker in Australia.
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Product Variable Home Loan Real Time Rating™ | 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™ | |||
Product Live-in Variable Real Time Rating™ | 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™ | 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™ | 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™ | |||
Product Variable Rate Home Loan – Refinance Only Real Time Rating™ | 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™ | 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™ 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™ | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | ||
Product Neat Home Loan Real Time Rating™ | 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™ | |||
Product Back to Basics Home Loan Special Offer Real Time Rating™ | 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™ | 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™ 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™ | 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™ 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™ | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | ||
Product Low Rate Home Loan - Prime (Investment) (Principal and Interest) Real Time Rating™ | 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™ |
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.
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.
