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
Company
Comparison Rate*
Monthly Repayment
Features
Real Time Rating™
1
2 position up today

2.74%

Variable

State Custodians

2.76%

$685

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

2.70

/ 5
2
2 position up today

3.04%

Variable

Suncorp Bank

3.02%

$760

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

2.69

/ 5
3
1 position up today

3.04%

Variable

Greater Bank

3.47%

$760

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

2.15

/ 5
4
1 position down today

2.59%

Variable

Credit Union SA

3.02%

$1,199

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

3.12

/ 5
5
3 position up today

3.08%

Variable

HSBC

3.50%

$770

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

2.06

/ 5
6
1 position down today

3.09%

Variable

Macquarie Bank

3.35%

$773

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

1.92

/ 5
7
3 position up today

2.99%

Variable

Warwick Credit Union

3.15%

$748

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

1.68

/ 5
8
8 position up today

3.18%

Variable

Qudos Bank

3.31%

$795

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

1.99

/ 5
9
1 position up today

2.59%

Variable

AMP Bank

3.00%

$1,199

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

3.25

/ 5
10
2 position up today

3.17%

Variable

UniBank

3.11%

$793

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

1.99

/ 5
11
2 position up today

3.17%

Variable

Firefighters Mutual Bank

3.11%

$793

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

1.99

/ 5
12
1 position down today

3.17%

Variable

Health Professionals Bank

3.11%

$793

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

1.99

/ 5
13
3 position down today

3.17%

Variable

Teachers Mutual Bank

3.11%

$793

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

1.99

/ 5
14
7 position down today

2.64%

Variable

G&C Mutual Bank

2.66%

$1,207

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

3.17

/ 5
15
25 position up today

2.64%

Variable

Gateway Bank

2.98%

$1,207

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

3.17

/ 5
16
1 position down today

3.34%

Variable

Newcastle Permanent

3.45%

$835

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

1.95

/ 5
17
1 position down today

2.79%

Variable

Hunter United

2.79%

$1,231

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

3.34

/ 5
18
1 position up today

2.74%

Variable

Citi

3.14%

$1,223

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

3.38

/ 5
19
1 position down today

2.69%

Variable

Bendigo Bank

2.98%

$1,215

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

2.99

/ 5
20
1 position down today

2.73%

Variable

Bankwest

3.18%

$1,222

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

3.07

/ 5