Best packaged home loans

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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.

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Best variable home loans
Best refinance home loans
Best variable home loans over $1 million
Best variable investor home loans
Best interest only investor home loans
Best packaged home loans
Best home loans from large banks
Best home loans from new lenders
Best small deposit home loans
Best 3-year fixed home loans
Best 4-year fixed home loans
Best 5-year fixed home loans
Best 3-year fixed investor home loans
Best 5-year fixed investor home loans
Best SMSF home loan

How are Real Time Ratings™ calculated?

Ranking Since null day	Product Smart Booster Home Loan Discounted Variable - 1yr special 1.99% variable rate for 12 months then 2.48% variable rate	Advertised Rate 1.99 % p.a Intro 12 months	Comparison Rate* 2.47 % p.a	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.56 / 5
Ranking Since null day	Product Smart Home Loan (Principal and Interest)	Advertised Rate 2.48 % p.a Variable	Comparison Rate* 2.50 % p.a	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.31 / 5
Ranking Since null day	Product Special Offer - 3 yr Fixed P&I	Advertised Rate 1.99 % p.a Fixed - 3 years	Comparison Rate* 2.70 % p.a	Company Compare	Repayment $1,270 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.32 / 5
Ranking Since null day	Product Basic Home Loan	Advertised Rate 2.09 % p.a Fixed - 3 years	Comparison Rate* 2.43 % p.a	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.18 / 5
Ranking Since null day	Product Live-in Fixed	Advertised Rate 1.89 % p.a Fixed - 2 years	Comparison Rate* 2.15 % p.a	Company Compare	Repayment $1,256 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.24 / 5
Ranking Since null day	Product Star Gold Home Loan special Limited Time Special - Applications must be received by 31/08/2021~ Ends in 4 months	Advertised Rate 1.79 % p.a Variable	Comparison Rate* 1.84 % p.a	Company Compare	Repayment $1,241 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.77 / 5
Ranking Since null day	Product Star Essentials Home Loan	Advertised Rate 2.14 % p.a Variable	Comparison Rate* 2.17 % p.a	Company Compare	Repayment $1,292 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.00 / 5
Ranking Since null day	Product 2 Year Fixed Rate Special Owner Occupied	Advertised Rate 1.74 % p.a Fixed - 2 years	Comparison Rate* 2.23 % p.a	Company Compare	Repayment $1,234 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.46 / 5
Ranking Since null day	Product 2 Year Fixed Rate Special Investment	Advertised Rate 1.99 % p.a Fixed - 2 years	Comparison Rate* 2.44 % p.a	Company Compare	Repayment $1,270 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.99 / 5
Ranking Since null day	Product Home Value Loan special Get a low variable interest rate loan with no ongoing fees.~ Ends in 23 days	Advertised Rate 2.44 % p.a Variable	Comparison Rate* 2.45 % p.a	Company Compare	Repayment $1,337 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.49 / 5
Ranking Since null day	Product Package Cashback Receive $3,288 when you refinance min of $250k with HSBC as at 15 February to 31 May. Settle by 31 July 2021.~ Ends in 23 days	Advertised Rate 1.88 % p.a Fixed - 2 years	Comparison Rate* 2.86 % p.a	Company Compare	Repayment $1,254 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.22 / 5
Ranking Since null day	Product Yard Home Loan (Special) special Yard’s low-rate variable special home loan~ Ends in 23 days	Advertised Rate 2.09 % p.a Variable	Comparison Rate* 2.12 % p.a	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.07 / 5
Ranking Since null day	Product Yard Investor Loan	Advertised Rate 2.45 % p.a Variable	Comparison Rate* 2.48 % p.a	Company Compare	Repayment $1,338 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.33 / 5
Ranking Since null day	Product Owner Occupier Accelerates - Celebrate (Principal and Interest)	Advertised Rate 2.19 % p.a Variable	Comparison Rate* 2.19 % p.a	Company Compare	Repayment $1,299 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.87 / 5
Ranking Since null day	Product Owner Occupier Accelerates - Liberate (Principal and Interest)	Advertised Rate 2.29 % p.a Variable	Comparison Rate* 2.23 % p.a	Company Compare	Repayment $1,314 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.63 / 5
Ranking Since null day	Product Super Saver	Advertised Rate 1.77 % p.a Variable	Comparison Rate* 1.86 % p.a	Company Compare	Repayment $1,238 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.35 / 5
Ranking Since null day	Product Investor Rate Cutter	Advertised Rate 2.29 % p.a Variable	Comparison Rate* 2.38 % p.a	Company Compare	Repayment $1,314 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.75 / 5
Ranking Since null day	Product Mortgage Simplifier	Advertised Rate 2.49 % p.a Variable	Comparison Rate* 2.52 % p.a	Company Compare	Repayment $1,344 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.26 / 5
Ranking Since null day	Product Orange Advantage	Advertised Rate 2.54 % p.a Variable	Comparison Rate* 2.89 % p.a	Company Compare	Repayment $1,352 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.07 / 5
Ranking Since null day	Product Fixed Rate Loan (w/Orange Advantage)	Advertised Rate 2.04 % p.a Fixed - 3 years	Comparison Rate* 3.60 % p.a	Company Compare	Repayment $1,277 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.38 / 5