RateCity.com.au
powering smart financial decisions
RateCity.com.au

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
1
1 position down today
Product

Ultimate Home Loan Package

Real Time Rating™

1.92

/ 5
Interest Rate

2.69

% p.a

Variable

Comparison Rate*

2.93

% p.a

Company
Repayment

$673

monthly

Features
Redraw facility
Offset Account
Borrow up to 79.99%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.92

/ 5
Go to site
Ranking
2
2 position down today
Product

Package

Real Time Rating™

2.03

/ 5
Interest Rate

2.92

% p.a

Variable

Comparison Rate*

3.17

% p.a

Company
Repayment

$730

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.03

/ 5
Go to site

Cashback

Receive $3,288 when you refinance min of $250k
Ranking
3
3 position down today
Product

Your Way Plus Variable Home Loan

Real Time Rating™

2.01

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.48

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.01

/ 5
Go to site
Ranking
4
4 position down today
Product

Your Way Plus Variable Home Loan

Real Time Rating™

2.01

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.48

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.01

/ 5
Go to site
Ranking
5
5 position down today
Product

Home Loan Package

Real Time Rating™

2.03

/ 5
Interest Rate

3.04

% p.a

Variable

Comparison Rate*

3.46

% p.a

Company
Repayment

$760

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.03

/ 5
Go to site

special

$5,000 First Home Buyers Grant on eligible loans
Ranking
6
6 position down today
Product

Your Way Plus Variable Home Loan

Real Time Rating™

1.90

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.48

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.90

/ 5
Go to site
Ranking
7
7 position down today
Product

Your Way Plus Variable Home Loan

Real Time Rating™

1.90

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.48

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.90

/ 5
Go to site
Ranking
8
8 position down today
Product

Ultimate

Real Time Rating™

2.14

/ 5
Interest Rate

3.09

% p.a

Variable

Comparison Rate*

3.52

% p.a

Company
Repayment

$773

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.14

/ 5
Go to site

special

Borrow up to 110% of the property value using the guarantor feature
Ranking
9
9 position down today
Product

Offset Home Loan

Real Time Rating™

2.05

/ 5
Interest Rate

3.34

% p.a

Variable

Comparison Rate*

3.60

% p.a

Company
Repayment

$835

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.05

/ 5
Go to site
Ranking
10
10 position down today
Product

Home Package Plus

Real Time Rating™

2.10

/ 5
Interest Rate

3.34

% p.a

Variable

Comparison Rate*

3.43

% p.a

Company
Repayment

$835

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.10

/ 5
Go to site

special

Home Package Plus Annual Fee reimbursed for the life of the loan.
Ranking
11
11 position down today
Product

Premium Plus Package Variable Rate

Real Time Rating™

2.05

/ 5
Interest Rate

3.54

% p.a

Variable

Comparison Rate*

3.83

% p.a

Company
Repayment

$885

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.05

/ 5
Go to site

Cashback

1. Refinance and get up to $3,000 cashback. $2,000 cashback on loans ≥$250K; bonus $1,000 cashback on loans ≥$500K. LVR ≤90%. Limited time offers extended. T&Cs apply. ~ Ends in 3 months
Ranking
12
12 position down today
Product

Health, Wealth and Happiness Package

Real Time Rating™

2.20

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.84

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.20

/ 5
Go to site
Ranking
13
13 position down today
Product

Variable Loan Package

Real Time Rating™

2.14

/ 5
Interest Rate

3.64

% p.a

Variable

Comparison Rate*

3.59

% p.a

Company
Repayment

$910

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.14

/ 5
Go to site

Cashback

Get $4,000 cashback when you refinance your home loan over $500,000. ~ Ends in 6 days
Ranking
14
14 position down today
Product

Complete Home Loan Variable

Real Time Rating™

1.92

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.29

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.92

/ 5
Go to site
Ranking
15
15 position down today
Product

Partnership Advantage Home Loan

Real Time Rating™

1.99

/ 5
Interest Rate

3.49

% p.a

Variable

Comparison Rate*

3.65

% p.a

Company
Repayment

$873

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.99

/ 5
Go to site
Ranking
16
16 position down today
Product

Home SMART Package

Real Time Rating™

1.71

/ 5
Interest Rate

3.44

% p.a

Variable

Comparison Rate*

3.86

% p.a

Company
Repayment

$860

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.71

/ 5
Go to site
Ranking
17
17 position down today
Product

Premium Package Home Loan

Real Time Rating™

1.97

/ 5
Interest Rate

3.69

% p.a

Variable

Comparison Rate*

4.01

% p.a

Company
Repayment

$923

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.97

/ 5
Go to site
Ranking
18
18 position down today
Product

Low Cost Home Loan (Value Package)

Real Time Rating™

2.10

/ 5
Interest Rate

3.74

% p.a

Variable

Comparison Rate*

3.59

% p.a

Company
Repayment

$935

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.10

/ 5
Go to site
Ranking
19
19 position down today
Product

Select Home Loan

Real Time Rating™

1.95

/ 5
Interest Rate

3.80

% p.a

Variable

Comparison Rate*

3.30

% p.a

Company
Repayment

$950

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.95

/ 5
Go to site
Ranking
20
20 position down today
Product

All in One Rewards Package

Real Time Rating™

1.71

/ 5
Interest Rate

3.60

% p.a

Variable

Comparison Rate*

3.84

% p.a

Company
Repayment

$900

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.71

/ 5
Go to site