Compare Home loans in WA

Find home loans from a wide range of Australian lenders that best suit your needs, whether you're investing, refinancing or looking to buy your first home. Compare interest rates, mortgage repayments, fees and more. - Data last updated on 19 Jun 2018

Compare Home loans in WA

Promoted
Discount Offer Variable Home Loan ($200k-$700k)Rewards$1000 offer: Apply for a UHomeLoan of $200,000 or more (excl amounts to refinance a UBank loan) by 6 Aug 2018, & settle by 28 Sept 2018. You must have a USaver before settlement and until the $1000 is paid. Other T&C apply.
Advertised rate
3.69%
Variable
Comparison rate*
3.69%
Monthly repayment
$1,149
Real Time Rating™

4.35 / 5

Compare
Promoted
Low Rate Home Loan with Offset (Principal and Interest) (LVR < 80%)
Advertised rate
3.64%
Variable
Comparison rate*
3.67%
Monthly repayment
$1,142
Real Time Rating™

4.66 / 5

Compare
Promoted
Discount Variable Home Loan ($150k+) (LVR < 80%)
Advertised rate
3.69%
Variable
Comparison rate*
3.74%
Monthly repayment
$1,149
Real Time Rating™

4.35 / 5

Compare
Variable Rate Home Loan (Principal and Interest) (Amounts < $750k, LVR 70%-80%)Cashback$900 cashback after your settlement
Advertised rate
3.54%
Variable
Comparison rate*
3.58%
Monthly repayment
$1,128
Real Time Rating™

4.69 / 5

Compare
Basic Home Loan Special (LVR < 80%)SpecialEstablishment fee waived for Variable Basic Home Loans until 30 June 2018.
Advertised rate
3.65%
Variable
Comparison rate*
3.66%
Monthly repayment
$1,144
Real Time Rating™

4.42 / 5

Compare
Advantage Home Loan (PAYG Special No Offset) (LVR<80%)
Advertised rate
3.64%
Variable
Comparison rate*
3.67%
Monthly repayment
$1,142
Real Time Rating™

4.37 / 5

Compare
First Rate Home Loan (LVR < 80%)
Advertised rate
3.64%
Variable
Comparison rate*
3.69%
Monthly repayment
$1,142
Real Time Rating™

4.31 / 5

Compare
Select Basic Home Loan (Principal and Interest) (Amounts < $500k, LVR < 80%)
Advertised rate
3.69%
Variable
Comparison rate*
3.70%
Monthly repayment
$1,149
Real Time Rating™

4.33 / 5

Compare
Premier Standard Variable Home LoanSpecialAvailable on new Premier home loan borrowings from $50,000 when applying by 31 July 2018
Advertised rate
3.69%
Variable
Comparison rate*
3.70%
Monthly repayment
$1,149
Real Time Rating™

4.43 / 5

Compare
Special Low Variable Rate Home Loan (LVR < 80%)
Advertised rate
3.79%
Variable
Comparison rate*
3.79%
Monthly repayment
$1,163
Real Time Rating™

4.29 / 5

Compare
Basic Variable Rate Home Loan
Advertised rate
3.77%
Variable
Comparison rate*
3.81%
Monthly repayment
$1,161
Real Time Rating™

4.19 / 5

Compare
First Home Buyer Loan - 40 Year Term
Advertised rate
3.77%
Variable
Comparison rate*
3.81%
Monthly repayment
$1,161
Real Time Rating™

4.19 / 5

Compare
OMG Home Loan (Principal and Interest)
Advertised rate
3.79%
Variable
Comparison rate*
3.83%
Monthly repayment
$1,163
Real Time Rating™

4.09 / 5

Compare
Discount Variable Home Loan ($150k+) (LVR 80%-90%)
Advertised rate
3.79%
Variable
Comparison rate*
3.84%
Monthly repayment
$1,163
Real Time Rating™

4.23 / 5

Compare
Low Rate Home Loan with Offset (Principal and Interest) (LVR 80%-90%)
Advertised rate
3.84%
Variable
Comparison rate*
3.87%
Monthly repayment
$1,171
Real Time Rating™

4.44 / 5

Compare
Basic Home Loan (LVR < 80%)SpecialEstablishment fee waived for Variable Basic Home Loans until 30 June 2018.
Advertised rate
3.86%
Variable
Comparison rate*
3.87%
Monthly repayment
$1,173
Real Time Rating™

4.21 / 5

Compare
Rate Buster High Lend Variable Investment Loan (Principal and Interest)CashbackCashback Offer: $750 for loans under $500,000 or $1,500 for loans over $500,000
Advertised rate
3.89%
Variable
Comparison rate*
3.89%
Monthly repayment
$1,178
Real Time Rating™

4.34 / 5

Compare
IQ Basic Investment Loan (Principal and Interest) (LVR < 70%)
Advertised rate
3.89%
Variable
Comparison rate*
3.90%
Monthly repayment
$1,178
Real Time Rating™

4.16 / 5

Compare
Discount Variable Home Loan ($150k+) (LVR 90%-95%)
Advertised rate
3.89%
Variable
Comparison rate*
3.94%
Monthly repayment
$1,178
Real Time Rating™

4.1 / 5

Compare
Discount Offer for Investor Variable P&I RateRewards$1000 offer: Apply for a UHomeLoan of $200,000 or more (excl amounts to refinance a UBank loan) by 6 Aug 2018, & settle by 28 Sept 2018. You must have a USaver before settlement and until the $1000 is paid. Other T&C apply.
Advertised rate
3.99%
Variable
Comparison rate*
3.99%
Monthly repayment
$1,192
Real Time Rating™

4 / 5

Compare
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Home loans in WA

Due to external factors, the WA economy and property market tend to be less robust and productive than the states in southeast Australia. Similar to most states, the population in WA increases near the coast with most of the state’s inhabitants living in the southwest corner - close to the capital Perth - and the northwest corner. To attract buyers and developers, the WA government offer several incentives and grant schemes.   

What is the WA economy and property market like?

The largest state in Australia, Western Australia (WA) relies on the agricultural and mining industries to bolster the state’s economy. These industries are heavily influenced by uncontrollable factors, such as the weather and international economic changes, and can be volatile and unreliable. Its large area of unusable land and susceptibility to extreme weather events also affects the state’s economy. All these factors affect WA’s overall wealth, the property market and rates of home loan applications. In recent years the WA property market has been in a decline with prices reducing below the average levels in other states. 

How will these factors affect me getting a home loan?

WA has less demand for property than other states, such as, NSW and Victoria. Therefore, property prices may be lower than in other states and due to fewer potential buyers it may be easier for you to find and purchase a suitable property. These factors make it easier to successfully obtain a home loan in WA.

Are there any secret costs in getting a home loan in WA?

As the WA property market is governed by both state and council rules and regulations, you may have to pay fees to both the governing bodies. The council fees and rates will vary depending on the council region you are purchasing in and the type of property you are looking to buy. The state government charges taxes on the transfer of the property to your name. The amount you pay for the ‘transfer tax’, formerly ‘stamp duty’ will be determined by the value of your property.   

Does WA offer any incentives for purchasing a property or land?

Like most states in Australia, the WA government offers incentives for first home buyers looking to get into the market. The amount you could receive varies depending on whether you are purchasing a new or established home. Also, to be eligible for the grant there may be a cap on the value of the property with properties above a certain value not being eligible for the grant. The government currently also offers a Home Buyers Assistance Account (HBAA) that provides first time buyers with funds for incidental expenses. However, both this and other schemes are often subject to changes and you should always fully research the laws and regulations before applying for a home loan.   

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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