Best packaged home loans

RateCity's top-rated home loans that are available as a package with one or more other financial products, such as a credit card or bank account. Assumes a $400,000 mortgage with a variable interest rate for an owner occupier.

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

2.99%

Variable

2.87%

Suncorp Bank

$748

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

2.68

/ 5
2
1 position up today

2.95%

Variable

3.38%

Greater Bank

$738

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

2.14

/ 5
3
1 position down today

2.99%

Variable

3.26%

Macquarie Bank

$748

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

2.05

/ 5
4
1 position up today

3.24%

Variable

3.65%

People's Choice Credit Union

$810

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

2.14

/ 5
5
2 position up today

2.39%

Variable

2.41%

Auswide Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 75%
Extra Repayments
Interest Only
Owner Occupied

3.51

/ 5
6
1 position up today

3.09%

Variable

3.19%

Qudos Bank

$773

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

2.10

/ 5
7
1 position up today

1.99%

Intro 24 months

2.93%

Illawarra Credit Union

$1.2k

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

3.37

/ 5
8
1 position down today

3.19%

Variable

3.60%

Credit Union SA

$798

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

2.03

/ 5
9
1 position up today

3.08%

Variable

3.47%

HSBC

$770

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

2.03

/ 5
10
4 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

2.10

/ 5
11
2 position up today

3.17%

Variable

3.11%

Teachers Mutual Bank

$793

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

2.10

/ 5
12
1 position up today

3.17%

Variable

3.11%

Health Professionals Bank

$793

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

2.10

/ 5
13
2 position down today

3.17%

Variable

3.11%

UniBank

$793

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

2.10

/ 5
14
5 position down today

3.14%

Variable

3.44%

Warwick Credit Union

$785

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

1.78

/ 5
15
4 position down today

2.49%

Variable

2.88%

Queensland Country Bank

$1.2k

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

3.23

/ 5
16
1 position down today

3.34%

Variable

3.45%

Newcastle Permanent

$835

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

2.05

/ 5
17
2 position up today

2.59%

Variable

2.93%

Gateway Bank

$1.2k

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

3.15

/ 5
18
2 position up today

2.64%

Variable

2.66%

G&C Mutual Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied

3.13

/ 5
19
1 position down today

2.59%

Variable

3.00%

AMP Bank

$1.2k

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

3.12

/ 5
20
2 position down today

2.75%

Variable

3.17%

Australian Unity

$1.2k

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

3.24

/ 5