Best home loans over $1 million

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Best home loans over $1 million

RateCity's top-rated home loans for borrowing more than one million dollars. Assumes a $1 million home loan for an owner occupier, with a variable interest rate, an offset account and a maximum LVR of 80%.

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Best variable rate home loans
Best refinance home loan
Best home loans over $1 million
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Best interest-only investor home loan
Best packaged home loans
Best home loans from large banks
Best home loans from new lenders
Best small deposit home loans
Best 3-year fixed rate principal and interest home loan
Best 4-year fixed rate principal and interest home loan
Best 5-year fixed rate principal and interest home loan
Best 3-year principal and interest investor home loans
Best 5-year principal and interest investor home loans
Best SMSF home loans

How are Real Time Ratings™ calculated?

Ranking 1 1 position down today	Product Standard Variable Home Loan	Advertised Rate 2.09% Variable	Comparison Rate* 2.09%	Company Compare	Repayment $1,122 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.58 / 5
Ranking 2 2 position down today	Product Freedom Variable	Advertised Rate 2.17% Variable	Comparison Rate* 2.17%	Company Compare	Repayment $1,135 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.42 / 5
Ranking 3 3 position down today	Product Launch Special 60 special WLTH Launch Special~ Ends in about 1 month	Advertised Rate 2.19% Variable	Comparison Rate* 2.69%	Company Compare	Repayment $1,138 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.16 / 5
Ranking 4 1 position down today	Product Live-in Variable (With Offset)	Advertised Rate 2.19% Variable	Comparison Rate* 2.34%	Company Compare	Repayment $1,138 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.04 / 5
Ranking 5 1 position down today	Product Momentum Home Loan	Advertised Rate 2.29% Variable	Comparison Rate* 2.31%	Company Compare	Repayment $1,153 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.13 / 5
Ranking 6 1 position up today	Product Advantage - Essentials Home Loan	Advertised Rate 2.39% Variable	Comparison Rate* 2.61%	Company Compare	Repayment $1,168 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.64 / 5
Ranking 7 1 position down today	Product The Works Package OO Variable Special (2 year Intro)	Advertised Rate 1.99% Intro 24 months	Comparison Rate* 2.93%	Company Compare	Repayment $1,185 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.29 / 5
Ranking 8 1 position down today	Product Owner Occupied Home Loan	Advertised Rate 2.44% Variable	Comparison Rate* 2.47%	Company Compare	Repayment $1,176 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.33 / 5
Ranking 9 1 position down today	Product Flexible Loan	Advertised Rate 2.49% Variable	Comparison Rate* 2.95%	Company Compare	Repayment $1,184 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.47 / 5
Ranking 10 1 position up today	Product Complete Package Variable Owner Occupier	Advertised Rate 2.45% Variable	Comparison Rate* 2.89%	Company Compare	Repayment $1,178 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.14 / 5
Ranking 11 1 position down today	Product Orange Advantage	Advertised Rate 2.50% Variable	Comparison Rate* 2.85%	Company Compare	Repayment $1,185 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.25 / 5
Ranking 12 1 position down today	Product Variable Home Loan Cashback Get $2000 cashback on settlement for eligible applications of $250,000 or more~ Ends in 7 days	Advertised Rate 2.54% Variable	Comparison Rate* 2.82%	Company Compare	Repayment $1,192 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.40 / 5
Ranking 13 1 position down today	Product Home Loan Package special $5,000 First Home Buyers Grant on eligible loans	Advertised Rate 2.59% Variable	Comparison Rate* 3.02%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.03 / 5
Ranking 14 1 position down today	Product Premium Package Home Loan	Advertised Rate 2.54% Variable	Comparison Rate* 2.88%	Company Compare	Repayment $1,192 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.20 / 5
Ranking 15 1 position down today	Product Real Deal Home Loan Cashback Get a $2000 refinance cashback when you refinance your loan. ~ Ends in about 1 month	Advertised Rate 2.59% Variable	Comparison Rate* 2.63%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.47 / 5
Ranking 16 1 position up today	Product Citibank Standard Mortgage Cashback Upto $4000 cashback for new and refinance applications through all Citi accredited brokers.~ Ends in about 1 month	Advertised Rate 2.69% Variable	Comparison Rate* 2.84%	Company Compare	Repayment $1,215 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.57 / 5
Ranking 17 1 position up today	Product Achieve Variable Loan	Advertised Rate 2.55% Variable	Comparison Rate* 2.60%	Company Compare	Repayment $1,193 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.10 / 5
Ranking 18 1 position up today	Product Standard Variable Home Loan	Advertised Rate 2.59% Variable	Comparison Rate* 2.69%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.18 / 5
Ranking 19 1 position up today	Product AMP Bank Professional Package Home Loan (Principal and Interest) ($100k+) (Owner Occupied) (LVR ≤ 80%)	Advertised Rate 2.59% Variable	Comparison Rate* 3.00%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.03 / 5
Ranking 20 1 position up today	Product Low Rate Home Loan - Prime (Owner Occupied)	Advertised Rate 2.59% Variable	Comparison Rate* 2.61%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 89.9999% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.09 / 5