Best home loans from new lenders

RateCity's top-rated home loans from lenders recently added to RateCity. Assumes a $400,000 mortgage for an owner occupier with a variable interest rate

Ranking
Product
Advertised Rate
Comparison Rate*
Company
Monthly Repayment
Features
Real Time Rating™
1
1 position up today

2.79%

Variable

2.84%

Bank of Heritage Isle

$698

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

2.42

/ 5
2
1 position up today

2.99%

Variable

2.93%

86 400

$748

Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied

2.16

/ 5
3
1 position down today

2.34%

Variable

2.34%

Athena Home Loans

$1.2k

Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied

3.68

/ 5
4
1 position down today

2.54%

Variable

2.74%

AWA Alliance Bank

$1.2k

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

3.46

/ 5
5
1 position up today

3.17%

Variable

3.11%

Firefighters Mutual Bank

$793

Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied

1.99

/ 5
6
1 position down today

3.17%

Variable

3.11%

Health Professionals Bank

$793

Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied

1.99

/ 5
7
1 position down today

3.24%

Variable

3.30%

Goldfields Money

$810

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

1.67

/ 5
8
1 position down today

2.69%

Variable

2.74%

Police Credit Union

$1.2k

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

3.10

/ 5
9
1 position up today

2.68%

Variable

3.13%

Bank of China

$1.2k

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

2.63

/ 5
10
1 position up today

2.80%

Variable

2.86%

Unity Bank

$1.2k

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

2.47

/ 5
11
1 position up today

2.89%

Variable

2.94%

Orange Credit Union

$1.2k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

2.42

/ 5
12
2 position down today

2.89%

Variable

2.93%

emoney

$1.2k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.47

/ 5
13
1 position down today

2.29%

Intro 24 months

3.20%

Laboratories Credit Union

$1.3k

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

2.39

/ 5
14
1 position down today

3.04%

Variable

3.04%

Nova Alliance Bank

$1.3k

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

2.17

/ 5
15
1 position down today

3.25%

Variable

3.57%

Fire Service Credit Union

$1.3k

Redraw facility
Offset Account
Borrow up to 79.9999%
Extra Repayments
Interest Only
Owner Occupied

1.77

/ 5
16
1 position up today

4.46%

Variable

4.63%

BDCU Alliance Bank

$1.5k

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

1.86

/ 5
17
1 position down today

3.82%

Variable

3.73%

GMCU

$1.4k

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

1.80

/ 5
18
1 position up today

4.13%

Variable

4.18%

Central West Credit Union

$1.5k

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

1.76

/ 5
19
1 position down today

3.59%

Variable

3.78%

AlphaBeta Money

$1.4k

Redraw facility
Offset Account
Borrow up to 55%
Extra Repayments
Interest Only
Owner Occupied

1.74

/ 5
20
1 position up today

3.99%

Variable

3.99%

Pulse Credit Union

$1.4k

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

1.64

/ 5