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%.

Ranking	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 15 position up today	Standard Variable Home Loan	1.95% Variable	1.99%	Compare	$1.1k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	4.52 / 5
2 1 position down today	Freedom Variable	2.79% Variable	2.58%	Compare	$698	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.02 / 5
3 1 position up today	First Home Loan Cashback Enjoy up to $2k Cashback on new home loans and refinances. ~ Ends in 7 days	2.79% Variable	2.84%	Compare	$698	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.85 / 5
4 3 position up today	Resimac Prime	2.79% Variable	2.86%	Compare	$698	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.63 / 5
5 1 position down today	First Home Loan	2.79% Variable	2.84%	Compare	$698	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.42 / 5
6 11 position up today	Live-in Variable (With Offset)	2.19% Variable	2.34%	Compare	$1.1k	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	4.11 / 5
7 1 position up today	Standard Variable Home Loan special Discounted Interest Rate of 0.50% p.a. lower than the Standard Variable Home Loan	2.97% Variable	3.03%	Compare	$743	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	2.33 / 5
8 1 position down today	Home Package Plus Cashback Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan.~ Ends in about 2 months	3.04% Variable	3.02%	Compare	$760	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	2.69 / 5
9 1 position down today	Standard Variable Home Loan	2.34% Variable	2.34%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	4.14 / 5
10 1 position down today	Real Deal Home Loan Cashback Get a $2000 refinance cashback when you refinance your loan. Loan amount $250k or more. LVR up to 80%.~ Ends in about 1 month	2.99% Variable	2.77%	Compare	$748	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.51 / 5
11 1 position down today	Investment Ultimate special Borrow up to 110% of the property value by asking your family to guarantee the home loan by using their property as security on your mortgage	3.04% Variable	3.47%	Compare	$760	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.15 / 5
12 1 position down today	The Works Package OO Variable Special (2 year Intro)	1.99% Intro 24 months	2.93%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.65 / 5
13 1 position down today	Owner Occupied Variable Home Loan (Interest Only)	2.99% Variable	3.02%	Compare	$748	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.15 / 5
14 1 position down today	Premier	3.08% Variable	3.50%	Compare	$770	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.06 / 5
15 1 position down today	Discounted Variable Rate (Owner Occupied Interest Only)	3.03% Variable	2.70%	Compare	$758	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.98 / 5
16 1 position down today	Achieve Variable Loan	3.05% Variable	3.01%	Compare	$763	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	1.84 / 5
17 1 position down today	Offset 80 I/O (Broker Special)	3.09% Variable	3.12%	Compare	$773	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.78 / 5
18 3 position down today	Advantage - Essentials Home Loan	2.44% Variable	2.61%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.64 / 5
19 1 position up today	Low Cost Home Loan (Value Package)	3.18% Variable	3.31%	Compare	$795	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.99 / 5
20 3 position up today	Solutions Plus Home Loan	3.18% Variable	3.12%	Compare	$795	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.99 / 5

Data last updated on 23 Oct 2020

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