Company
Product
Advertised Rate
Comparison Rate
Monthly Repayment
Features
Real Time Rating™
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Macquarie Bank

Basic Home Loan

Basic Home Loan

2.09%
Fixed - 3 years
2.43%
$642
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Enquire NowOwner occupiers with deposits of 30% or more can lock in a low fixed rate for three years, with no ongoing fees. AwardsWinner of Best 3 year fixed pi, RateCity Gold Awards 2021
UBank

Discounted Variable Rate (Owner Occupied Principal & Interest)

Discounted Variable Rate (Owner Occupied Principal & Interest)

2.34%
Variable
2.34%
$661
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
View NowWith a discounted variable interest rate and no upfront or ongoing fees, you may be able to minimise the cost of your owner-occupied home loan.AwardsWinner of Best variable, RateCity Gold Awards 2021
Reduce Home Loans

Rate Cutter Home Loan

Rate Cutter Home Loan

specialGet a 1.77% ongoing variable rate
1.77%
Variable
1.83%
$619
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Enquire NowIf you have more than 40 per cent equity in your home, you could refinance to this low rate and also benefit from unlimited extra repayments and a redraw facility.AwardsWinner of Best refinance home loan, RateCity Gold Awards 2021
Heritage Bank

Home Advantage Package

Home Advantage Package

Cashback$2,000 cashback for First Home Buyers with Lender's Mortgage Insurance.~ Ends in about 1 month
2.29%
Fixed - 3 years
3.13%
$657
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
View NowBundle your home loan and credit card with the advantage package and enjoy discounts on selected rates, fees and insurance.
loans.com.au

Smart Home Loan (Principal and Interest)

Smart Home Loan (Principal and Interest)

2.48%
Variable
2.5%
$671
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
View NowA competitive rate from a non-bank designed to help Aussie homeowners take control of their home loan repayments.
The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. RateCity Australian Credit Licence 316710.
Ratecity.com.au