COMPARE HOME LOANS

Australia’s home loan market is big, diverse and ever-changing. You can be forgiven for being confused.

Our home loan comparison page allows you to view a large range of current home loan offers by Australia’s leading banks and lenders,
providing you with an insight into what approximate interest rates to expect.

Once you have saved a deposit we recommend you book a no obligation consultation with an FHBA Broker who can help you compare various home loan options and provide you with expert assistance through the entire borrowing process.

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Home Loans

Rates updated: 23 October 2017

loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

A super-low rate available to purchases and 20% minimum deposit required

No monthly fees, Redraw facility with no minimum

Split loan facility – up to five free splits with fixed rate or identical variable loan product

Variable rate:

3.54% p.a. variable

Comparison rate*:

3.56% p.a.

Upfront fees:

$520

interest rate 3.54% p.a. variable comparison rate* 3.56% p.a.
Upfront fees $520 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $50,000
Maximum loan amount $1,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest)

100% Offset Facility

$0 application fee for Personal and Car Loans

Additional repayments and redraws at any time

Variable rate:

3.64% p.a. variable

Comparison rate*:

4.03% p.a.

Upfront fees:

$0

interest rate 3.64% p.a. variable comparison rate* 4.03% p.a.
Upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee n/a Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

Owner occupier only

Available to new borrowings to HSBC of $50,000 or more

Your own Personal Relationship Manager

Variable rate:

3.65% p.a. variable

Comparison rate*:

3.66% p.a.

Upfront fees:

$0

interest rate 3.65% p.a. variable comparison rate* 3.66% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $50,000
Maximum loan amount $7,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

$0 Application Fee, Free Redraws, Extra Repayments

P&I or Interest Only Up to 5yrs

Free 100% Offset Account

Variable rate:

3.69% p.a. variable

Comparison rate*:

3.72% p.a.

Upfront fees:

$286

interest rate 3.69% p.a. variable comparison rate* 3.72% p.a.
Upfront fees $286 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

$0 application fee for variable rate, $0 ongoing fees, $0 annual fees

No monthly fees

20% minimum deposit required

Variable rate:

3.74% p.a. variable

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

interest rate 3.74% p.a. variable comparison rate* 3.74% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Kick Starter Home Loan (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

Free transaction account with a Visa Debit

Unlimited redraws ($500 min)

Variable rate:

3.72% p.a. variable

Comparison rate*:

3.75% p.a.

Upfront fees:

$600

interest rate 3.72% p.a. variable comparison rate* 3.75% p.a.
Upfront fees $600 Ongoing fees $0.00
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $200,000
Maximum loan amount $1,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Bankwest Equaliser Home Loan (Owner Occupier)

Switch with confidence to Bankwest's Equaliser Home Loan

A variable rate loan for Owner Occupiers making Principal and Interest repayments, with a 3 year introductory period

Flexible repayment options, free online redraw & No monthly fees

Variable rate:

3.72% p.a.variable for 36 months and then 4.32% p.a. variable

Comparison rate*:

4.19% p.a.

Upfront fees:

$250

interest rate 3.72% p.a.variable for 36 months and then 4.32% p.a. variable comparison rate* 4.19% p.a.
Upfront fees $250 Ongoing fees $0.00
Discharge Fee $338.20 Extra repayments yes - free
Redraw facility yes - free online otherwise $10 Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $200,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

Low ongoing rate

No annual or monthly fees

Free extra repayments and redraw facility

Variable rate:

4.17% p.a. variable

Comparison rate*:

4.21% p.a.

Upfront fees:

$600

interest rate 4.17% p.a. variable comparison rate* 4.21% p.a.
Upfront fees $600 Ongoing fees $0.00
Discharge Fee $350.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

IMB Bank Budget Home Loan Special (LVR<90%, Owner Occupier, Principal & Interest)

Free extra repayments

Free redraw facility

Split account available

Variable rate:

3.73% p.a. variable

Comparison rate*:

3.73% p.a.

Upfront fees:

$0

interest rate 3.73% p.a. variable comparison rate* 3.73% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $50.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $75,000
Maximum loan amount $5,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier)

Ability to make unlimited bulk repayments without penalty

Offers borrowers up to three free splits

Access extra features such as multiple offset accounts

Variable rate:

3.73% p.a. variable

Comparison rate*:

4.05% p.a.

Upfront fees:

$0

interest rate 3.73% p.a. variable comparison rate* 4.05% p.a.
Upfront fees $0 Ongoing fees $299.00 yearly
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes - free
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

RACQ Bank Mortgage Saver Special (Owner Occupier, Principal & Interest)

No upfront or ongoing fees

Unlimited additional repayments

Borrow up to 95% of the property value

Variable rate:

3.74% p.a. variable

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

interest rate 3.74% p.a. variable comparison rate* 3.74% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $297.00 Extra repayments yes - free
Redraw facility yes - fees apply Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

Experts Choice Winner 2017 - Australia's Best Bank

Redraw available. Flexible repayments

Loan repayment pause for eco-upgrades to your home or maternity leave

Variable rate:

3.74% p.a. variable

Comparison rate*:

3.75% p.a.

Upfront fees:

$0

interest rate 3.74% p.a. variable comparison rate* 3.75% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $250.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $10,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest)

3.74% p.a. / 4.15% p.a. Comp Rate

Annual Fee of $395. Loan size $400k-$699k

Owner Occupied. LVR <80%

Variable rate:

3.74% p.a. variable

Comparison rate*:

4.15% p.a.

Upfront fees:

$0

interest rate 3.74% p.a. variable comparison rate* 4.15% p.a.
Upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $400,000
Maximum loan amount $699,999 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

Free redraw and unlimited repayments

100% mortgage offset account

No upfront or ongoing fees

Variable rate:

3.83% p.a. variable

Comparison rate*:

3.83% p.a.

Upfront fees:

$0

interest rate 3.83% p.a. variable comparison rate* 3.83% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $295.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 70.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

bcu OMG Home Loan (Owner Occupier, Principal & Interest)

Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017

Choose Principal and Interest or Interest Only options for your bcu OMG loan

With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now

Variable rate:

3.84% p.a. variable

Comparison rate*:

4.09% p.a.

Upfront fees:

$900

interest rate 3.84% p.a. variable comparison rate* 4.09% p.a.
Upfront fees $900 Ongoing fees $198.00 yearly
Discharge Fee $395.00 Extra repayments yes - free
Redraw facility yes - fees apply Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $1,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

100% offset facility

Owner occupied only

Variable rate:

3.84% p.a. variable

Comparison rate*:

4.25% p.a.

Upfront fees:

$0

interest rate 3.84% p.a. variable comparison rate* 4.25% p.a.
Upfront fees $0 Ongoing fees $399.00 yearly
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount $2,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Hunter United Platinum Home Loan (Owner Occupied, LVR<90%)

Join the Big Bank Rebellion and pay NO application or valuation fees

Only 10% deposit required, 100% offset & redraw facilities

Award winning, customer owned banking

Variable rate:

3.87% p.a. variable

Comparison rate*:

3.97% p.a.

Upfront fees:

$0

interest rate 3.87% p.a. variable comparison rate* 3.97% p.a.
Upfront fees $0 Ongoing fees $8.00 monthly
Discharge Fee $80.00 Extra repayments yes
Redraw facility yes - 1st redraw per month free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $300,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

QBANK Discounted Classic Home Loan (LVR<80%, Owner Occupier)

Free online redraw

No penalty for extra repayments

No monthly fees

Variable rate:

3.88% p.a. variable

Comparison rate*:

3.89% p.a.

Upfront fees:

$0

interest rate 3.88% p.a. variable comparison rate* 3.89% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $200.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest, Interest Only Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

AMP Essential Home Loan (Owner Occupier, Principal & Interest)

Experts Choice Winner - Home Loans 2017

Additional repayments anytime

Waived establishment & settlement fees

Variable rate:

3.96% p.a. variable

Comparison rate*:

3.98% p.a.

Upfront fees:

$295

interest rate 3.96% p.a. variable comparison rate* 3.98% p.a.
Upfront fees $295 Ongoing fees $0.00
Discharge Fee $100.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $100,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

IMB Bank Essentials Home Loan (LVR<90%, Owner Occupier, Principal & Interest)

Experts Choice Winner - Best Value Full Feature Home Loan

100% offset account

No monthly, annual or establishment fees

Variable rate:

4.19% p.a. variable

Comparison rate*:

4.19% p.a.

Upfront fees:

$0

interest rate 4.19% p.a. variable comparison rate* 4.19% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $50.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $75,000
Maximum loan amount $5,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

A super-low rate available to purchases and 20% minimum deposit required

No monthly fees, Redraw facility with no minimum

Split loan facility – up to five free splits with fixed rate or identical variable loan product

Variable rate:

3.54% p.a.

Comparison rate*:

3.56% p.a.

Upfront fees:

$520

variable rate 3.54% p.a. comparison rate* 3.56% p.a.
Upfront fees $520 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $50,000
Maximum loan amount $1,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest)

100% Offset Facility

$0 application fee for Personal and Car Loans

Additional repayments and redraws at any time

Variable rate:

3.64% p.a.

Comparison rate*:

4.03% p.a.

Upfront fees:

$0

variable rate 3.64% p.a. comparison rate* 4.03% p.a.
Upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee n/a Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

Owner occupier only

Available to new borrowings to HSBC of $50,000 or more

Your own Personal Relationship Manager

Variable rate:

3.65% p.a.

Comparison rate*:

3.66% p.a.

Upfront fees:

$0

variable rate 3.65% p.a. comparison rate* 3.66% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $50,000
Maximum loan amount $7,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

$0 Application Fee, Free Redraws, Extra Repayments

P&I or Interest Only Up to 5yrs

Free 100% Offset Account

Variable rate:

3.69% p.a.

Comparison rate*:

3.72% p.a.

Upfront fees:

$286

variable rate 3.69% p.a. comparison rate* 3.72% p.a.
Upfront fees $286 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Kick Starter Home Loan (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

Free transaction account with a Visa Debit

Unlimited redraws ($500 min)

Variable rate:

3.72% p.a.

Comparison rate*:

3.75% p.a.

Upfront fees:

$600

variable rate 3.72% p.a. comparison rate* 3.75% p.a.
Upfront fees $600 Ongoing fees $0.00
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $200,000
Maximum loan amount $1,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Bankwest Equaliser Home Loan (Owner Occupier)

Switch with confidence to Bankwest's Equaliser Home Loan

A variable rate loan for Owner Occupiers making Principal and Interest repayments, with a 3 year introductory period

Flexible repayment options, free online redraw & No monthly fees

Variable rate:

3.72% p.a.variable for 36 months and then 4.32% p.a.

Comparison rate*:

4.19% p.a.

Upfront fees:

$250

variable rate 3.72% p.a.variable for 36 months and then 4.32% p.a. comparison rate* 4.19% p.a.
Upfront fees $250 Ongoing fees $0.00
Discharge Fee $338.20 Extra repayments yes - free
Redraw facility yes - free online otherwise $10 Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $200,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

IMB Bank Budget Home Loan Special (LVR<90%, Owner Occupier, Principal & Interest)

Free extra repayments

Free redraw facility

Split account available

Variable rate:

3.73% p.a.

Comparison rate*:

3.73% p.a.

Upfront fees:

$0

variable rate 3.73% p.a. comparison rate* 3.73% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $50.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $75,000
Maximum loan amount $5,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier)

Ability to make unlimited bulk repayments without penalty

Offers borrowers up to three free splits

Access extra features such as multiple offset accounts

Variable rate:

3.73% p.a.

Comparison rate*:

4.05% p.a.

Upfront fees:

$0

variable rate 3.73% p.a. comparison rate* 4.05% p.a.
Upfront fees $0 Ongoing fees $299.00 yearly
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes - free
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

$0 application fee for variable rate, $0 ongoing fees, $0 annual fees

No monthly fees

20% minimum deposit required

Variable rate:

3.74% p.a.

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

variable rate 3.74% p.a. comparison rate* 3.74% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

RACQ Bank Mortgage Saver Special (Owner Occupier, Principal & Interest)

No upfront or ongoing fees

Unlimited additional repayments

Borrow up to 95% of the property value

Variable rate:

3.74% p.a.

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

variable rate 3.74% p.a. comparison rate* 3.74% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $297.00 Extra repayments yes - free
Redraw facility yes - fees apply Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest)

3.74% p.a. / 4.15% p.a. Comp Rate

Annual Fee of $395. Loan size $400k-$699k

Owner Occupied. LVR <80%

Variable rate:

3.74% p.a.

Comparison rate*:

4.15% p.a.

Upfront fees:

$0

variable rate 3.74% p.a. comparison rate* 4.15% p.a.
Upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $400,000
Maximum loan amount $699,999 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

Free redraw and unlimited repayments

100% mortgage offset account

No upfront or ongoing fees

Variable rate:

3.83% p.a.

Comparison rate*:

3.83% p.a.

Upfront fees:

$0

variable rate 3.83% p.a. comparison rate* 3.83% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $295.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 70.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

bcu OMG Home Loan (Owner Occupier, Principal & Interest)

Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017

Choose Principal and Interest or Interest Only options for your bcu OMG loan

With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now

Variable rate:

3.84% p.a.

Comparison rate*:

4.09% p.a.

Upfront fees:

$900

variable rate 3.84% p.a. comparison rate* 4.09% p.a.
Upfront fees $900 Ongoing fees $198.00 yearly
Discharge Fee $395.00 Extra repayments yes - free
Redraw facility yes - fees apply Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $1,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

100% offset facility

Owner occupied only

Variable rate:

3.84% p.a.

Comparison rate*:

4.25% p.a.

Upfront fees:

$0

variable rate 3.84% p.a. comparison rate* 4.25% p.a.
Upfront fees $0 Ongoing fees $399.00 yearly
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount $2,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Hunter United Platinum Home Loan (Owner Occupied, LVR<90%)

Join the Big Bank Rebellion and pay NO application or valuation fees

Only 10% deposit required, 100% offset & redraw facilities

Award winning, customer owned banking

Variable rate:

3.87% p.a.

Comparison rate*:

3.97% p.a.

Upfront fees:

$0

variable rate 3.87% p.a. comparison rate* 3.97% p.a.
Upfront fees $0 Ongoing fees $8.00 monthly
Discharge Fee $80.00 Extra repayments yes
Redraw facility yes - 1st redraw per month free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $300,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

QBANK Discounted Classic Home Loan (LVR<80%, Owner Occupier)

Free online redraw

No penalty for extra repayments

No monthly fees

Variable rate:

3.88% p.a.

Comparison rate*:

3.89% p.a.

Upfront fees:

$0

variable rate 3.88% p.a. comparison rate* 3.89% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $200.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest, Interest Only Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

AMP Essential Home Loan (Owner Occupier, Principal & Interest)

Experts Choice Winner - Home Loans 2017

Additional repayments anytime

Waived establishment & settlement fees

Variable rate:

3.96% p.a.

Comparison rate*:

3.98% p.a.

Upfront fees:

$295

variable rate 3.96% p.a. comparison rate* 3.98% p.a.
Upfront fees $295 Ongoing fees $0.00
Discharge Fee $100.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $100,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

Low ongoing rate

No annual or monthly fees

Free extra repayments and redraw facility

Variable rate:

4.17% p.a.

Comparison rate*:

4.21% p.a.

Upfront fees:

$600

variable rate 4.17% p.a. comparison rate* 4.21% p.a.
Upfront fees $600 Ongoing fees $0.00
Discharge Fee $350.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

IMB Bank Fixed Home Loan (LVR<90%, Owner Occupier)

Lower monthly repayments with life-of-loan discounts

10% discount for the first year on Home and Contents Insurance

An IMB Everyday Unlimited transaction account with no monthly account keeping fee

Variable rate:

3.65% p.a.
fixed 2 years

Comparison rate*:

4.84% p.a.

Upfront fees:

$324

interest rate 3.79% p.a.
fixed 3 years
comparison rate* 4.77% p.a.
upfront fees $324 Ongoing fees $395.00 yearly
Discharge Fee $50.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $150,000
Maximum loan amount $5,000,000 Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

UBank UHomeLoan (Owner Occupier, Principal & Interest)

Fast, easy apply

No ongoing fees

Repayments will not change during fixed period

Variable rate:

3.69% p.a.
fixed 1 year

Comparison rate*:

4.15% p.a.

Upfront fees:

$395

interest rate 3.99% p.a.
fixed 3 years
comparison rate* 4.15% p.a.
upfront fees $395 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free up to $20,000 p.a.
Redraw facility no Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Newcastle Permanent Fixed Rate Home Loan (Owner Occupier, Principal & Interest)

$0 application fee for Personal and Car Loans

$0 annual Value+ Credit Card Fee

Make additional repayments of up to $25,000 p.a.

Variable rate:

3.74% p.a.
fixed 2 years

Comparison rate*:

4.63% p.a.

Upfront fees:

$0

interest rate 3.79% p.a.
fixed 3 years
comparison rate* 4.59% p.a.
upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee n/a Extra repayments yes - free up to $25,000 p.a.
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $5,000
Maximum loan amount n/a Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

IMB Bank Fixed Home Loan (LVR<90%, Owner Occupier)

Free extra repayments up to 1 year in advance

Free internet and mobile banking redraws

Borrow up to 90% of the property value

Variable rate:

3.75% p.a.
fixed 2 years

Comparison rate*:

4.78% p.a.

Upfront fees:

$769

interest rate 3.89% p.a.
fixed 3 years
comparison rate* 4.78% p.a.
upfront fees $769 Ongoing fees $6.00 monthly
Discharge Fee $50.00 Extra repayments yes - free up to 1 year in advance
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $10,000
Maximum loan amount $5,000,000 Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Health, Wealth and Happiness Fixed Rate (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

10% off Australian Unity Health Insurance

Owner occupied only

Variable rate:

3.79% p.a.
fixed 3 years

Comparison rate*:

4.24% p.a.

Upfront fees:

$0

interest rate 3.79% p.a.
fixed 3 years
comparison rate* 4.24% p.a.
upfront fees $0 Ongoing fees $399.00 yearly
Discharge Fee $375.00 Extra repayments yes - free up to $10,000 p.a.
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount $2,500,000 Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

ME Flexible Home Loan (Fixed, Owner Occupier)

Option to split your loan into fixed and variable

Offset available & no fees to redraw

Meet a mobile banker at a time or place that suits you

Variable rate:

3.84% p.a.
fixed 2 years

Comparison rate*:

4.83% p.a.

Upfront fees:

$400

interest rate n/a comparison rate* n/a
upfront fees $400 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free up to $30,000 during fixed rate period
Redraw facility no Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $40,000
Maximum loan amount n/a Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Bankwest Complete Fixed Home Loan (LVR<90%, Owner Occupier, Principal & Interest)

$0 home loan application fees

$0 annual fee on your choice of rewards credit cards

$0 property valuation fees with your home loan application

Variable rate:

3.88% p.a.
fixed 2 years

Comparison rate*:

4.40% p.a.

Upfront fees:

$250

interest rate 3.98% p.a.
fixed 3 years
comparison rate* 4.41% p.a.
upfront fees $250 Ongoing fees $395.00 yearly
Discharge Fee $338.20 Extra repayments yes - free up to $10,000 a year
Redraw facility no Offset account yes - partial only
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount n/a Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

bcu Fixed Rate Home Loan Special (Owner Occupier)

Get moving with our new 3-year fixed rate special package

Experts Choice Winner - Home Loan Credit Union of the Year 2017

Plus, for the fixed period of your loan, there is no annual fee on our Classic Credit Card. Apply online now

Variable rate:

3.90% p.a.
fixed 3 years

Comparison rate*:

4.36% p.a.

Upfront fees:

$600

interest rate 3.90% p.a.
fixed 3 years
comparison rate* 4.36% p.a.
upfront fees $600 Ongoing fees $495.00 yearly
Discharge Fee $395.00 Extra repayments yes - fee applies
Redraw facility no Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount $2,500,000 Type of loan Fixed
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Bankwest Equaliser Home Loan (Owner Occupier)

Switch with confidence to Bankwest's Equaliser Home Loan

A variable rate loan for Owner Occupiers making Principal and Interest repayments, with a 3 year introductory period

Flexible repayment options, free online redraw & No monthly fees

Variable rate:

3.72% p.a.variable for 36 months and then 4.32% p.a.

Comparison rate*:

4.19% p.a.

Upfront fees:

$250

variable rate 3.72% p.a.variable for 36 months and then 4.32% p.a. comparison rate* 4.19% p.a.
Upfront fees $250 Ongoing fees $0.00
Discharge Fee $338.20 Extra repayments yes - free
Redraw facility yes - free online otherwise $10 Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $200,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

Low ongoing rate

No annual or monthly fees

Free extra repayments and redraw facility

Variable rate:

4.17% p.a.

Comparison rate*:

4.21% p.a.

Upfront fees:

$600

variable rate 4.17% p.a. comparison rate* 4.21% p.a.
Upfront fees $600 Ongoing fees $0.00
Discharge Fee $350.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

A super-low rate available to purchases & refinance

No monthly fees, Redraw facility with no minimum

Split loan facility – up to five free splits with fixed rate or identical variable loan product

Variable rate:

3.64% p.a.

Comparison rate*:

3.66% p.a.

Upfront fees:

$520

variable rate 3.64% p.a. comparison rate* 3.66% p.a.
Upfront fees $520 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $50,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest)

100% Offset Facility

$0 application fee for Personal and Car Loans

Additional repayments and redraws at any time

Variable rate:

3.64% p.a.

Comparison rate*:

4.03% p.a.

Upfront fees:

$0

variable rate 3.64% p.a. comparison rate* 4.03% p.a.
Upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee n/a Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

Owner occupier only

Available to new borrowings to HSBC of $50,000 or more

Your own Personal Relationship Manager

Variable rate:

3.65% p.a.

Comparison rate*:

3.66% p.a.

Upfront fees:

$0

variable rate 3.65% p.a. comparison rate* 3.66% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $50,000
Maximum loan amount $7,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

$0 Application Fee, Free Redraws, Extra Repayments

P&I or Interest Only Up to 5yrs

Free 100% Offset Account

Variable rate:

3.69% p.a.

Comparison rate*:

3.72% p.a.

Upfront fees:

$286

variable rate 3.69% p.a. comparison rate* 3.72% p.a.
Upfront fees $286 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

$0 application fee for variable rate, $0 ongoing fees, $0 annual fees

No monthly fees

20% minimum deposit required

Variable rate:

3.74% p.a.

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

variable rate 3.74% p.a. comparison rate* 3.74% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

Free redraw and unlimited repayments

100% mortgage offset account

No upfront or ongoing fees

Variable rate:

3.83% p.a.

Comparison rate*:

3.83% p.a.

Upfront fees:

$0

variable rate 3.83% p.a. comparison rate* 3.83% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $295.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 70.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Hunter United Platinum Home Loan (Owner Occupied, LVR<90%)

Join the Big Bank Rebellion and pay NO application or valuation fees

Only 10% deposit required, 100% offset & redraw facilities

Award winning, customer owned banking

Variable rate:

3.87% p.a.

Comparison rate*:

3.97% p.a.

Upfront fees:

$0

variable rate 3.87% p.a. comparison rate* 3.97% p.a.
Upfront fees $0 Ongoing fees $8.00 monthly
Discharge Fee $80.00 Extra repayments yes
Redraw facility yes - 1st redraw per month free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $300,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest)

100% Offset Facility

$0 application fee for Personal and Car Loans

Additional repayments and redraws at any time

Variable rate:

3.64% p.a.

Comparison rate*:

4.03% p.a.

Upfront fees:

$0

variable rate 3.64% p.a. comparison rate* 4.03% p.a.
Upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee n/a Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

$0 Application Fee, Free Redraws, Extra Repayments

P&I or Interest Only Up to 5yrs

Free 100% Offset Account

Variable rate:

3.69% p.a.

Comparison rate*:

3.72% p.a.

Upfront fees:

$286

variable rate 3.69% p.a. comparison rate* 3.72% p.a.
Upfront fees $286 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier)

Ability to make unlimited bulk repayments without penalty

Offers borrowers up to three free splits

Access extra features such as multiple offset accounts

Variable rate:

3.73% p.a.

Comparison rate*:

4.05% p.a.

Upfront fees:

$0

variable rate 3.73% p.a. comparison rate* 4.05% p.a.
Upfront fees $0 Ongoing fees $299.00 yearly
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes - free
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

100% offset facility

Owner occupied only

Variable rate:

3.84% p.a.

Comparison rate*:

4.25% p.a.

Upfront fees:

$0

variable rate 3.84% p.a. comparison rate* 4.25% p.a.
Upfront fees $0 Ongoing fees $399.00 yearly
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount $2,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Hunter United Platinum Home Loan (Owner Occupied, LVR<90%)

Join the Big Bank Rebellion and pay NO application or valuation fees

Only 10% deposit required, 100% offset & redraw facilities

Award winning, customer owned banking

Variable rate:

3.87% p.a.

Comparison rate*:

3.97% p.a.

Upfront fees:

$0

variable rate 3.87% p.a. comparison rate* 3.97% p.a.
Upfront fees $0 Ongoing fees $8.00 monthly
Discharge Fee $80.00 Extra repayments yes
Redraw facility yes - 1st redraw per month free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $300,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

Owner occupier only

Available to new borrowings to HSBC of $50,000 or more

Your own Personal Relationship Manager

Variable rate:

3.65% p.a. variable

Comparison rate*:

3.66% p.a.

Upfront fees:

$0

interest rate 3.65% p.a. variable comparison rate* 3.66% p.a.
upfront fees $0 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $50,000
Maximum loan amount $7,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

RACQ Bank Mortgage Saver Special (Owner Occupier, Principal & Interest)

No upfront or ongoing fees

Unlimited additional repayments

Borrow up to 95% of the property value

Variable rate:

3.74% p.a. variable

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

interest rate 3.74% p.a. variable comparison rate* 3.74% p.a.
upfront fees $0 Ongoing fees $0.00
Discharge Fee $297.00 Extra repayments yes - free
Redraw facility yes - fees apply Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

100% offset facility

Owner occupied only

Variable rate:

3.84% p.a. variable

Comparison rate*:

4.25% p.a.

Upfront fees:

$0

interest rate 3.84% p.a. variable comparison rate* 4.25% p.a.
upfront fees $0 Ongoing fees $399.00 yearly
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount $2,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Hunter United Platinum Home Loan (Owner Occupied, LVR<90%)

Join the Big Bank Rebellion and pay NO application or valuation fees

Only 10% deposit required, 100% offset & redraw facilities

Award winning, customer owned banking

Variable rate:

3.87% p.a. variable

Comparison rate*:

3.97% p.a.

Upfront fees:

$0

interest rate 3.87% p.a. variable comparison rate* 3.97% p.a.
upfront fees $0 Ongoing fees $8.00 monthly
Discharge Fee $80.00 Extra repayments yes
Redraw facility yes - 1st redraw per month free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $300,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

AMP Essential Home Loan (Owner Occupier, Principal & Interest)

Experts Choice Winner - Home Loans 2017

Additional repayments anytime

Waived establishment & settlement fees

Variable rate:

3.96% p.a. variable

Comparison rate*:

3.98% p.a.

Upfront fees:

$295

interest rate 3.96% p.a. variable comparison rate* 3.98% p.a.
upfront fees $295 Ongoing fees $0.00
Discharge Fee $100.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $100,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

Low ongoing rate

No annual or monthly fees

Free extra repayments and redraw facility

Variable rate:

4.17% p.a. variable

Comparison rate*:

4.21% p.a.

Upfront fees:

$600

interest rate 4.17% p.a. variable comparison rate* 4.21% p.a.
upfront fees $600 Ongoing fees $0.00
Discharge Fee $350.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest)

100% Offset Facility

$0 application fee for Personal and Car Loans

Additional repayments and redraws at any time

Variable rate:

3.64% p.a. variable

Comparison rate*:

4.03% p.a.

Upfront fees:

$0

interest rate 3.64% p.a. variable comparison rate* 4.03% p.a.
upfront fees $0 Ongoing fees $395.00 yearly
Discharge Fee n/a Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 80.00% Minimum loan amount $150,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

Owner occupier only

Available to new borrowings to HSBC of $50,000 or more

Your own Personal Relationship Manager

Variable rate:

3.65% p.a. variable

Comparison rate*:

3.66% p.a.

Upfront fees:

$0

interest rate 3.65% p.a. variable comparison rate* 3.66% p.a.
upfront fees $0 Ongoing fees $0.00
Discharge Fee $300.00 Extra repayments yes - free
Redraw facility yes - free Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $50,000
Maximum loan amount $7,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

RACQ Bank Mortgage Saver Special (Owner Occupier, Principal & Interest)

No upfront or ongoing fees

Unlimited additional repayments

Borrow up to 95% of the property value

Variable rate:

3.74% p.a. variable

Comparison rate*:

3.74% p.a.

Upfront fees:

$0

interest rate 3.74% p.a. variable comparison rate* 3.74% p.a.
upfront fees $0 Ongoing fees $0.00
Discharge Fee $297.00 Extra repayments yes - free
Redraw facility yes - fees apply Offset account no
Maximum loan to value ratio 95.00% Minimum loan amount $20,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Australian Unity Health, Wealth and Happiness Variable Rate (Owner Occupier, Principal & Interest)

No annual fee on a credit card of your choice

100% offset facility

Owner occupied only

Variable rate:

3.84% p.a. variable

Comparison rate*:

4.25% p.a.

Upfront fees:

$0

interest rate 3.84% p.a. variable comparison rate* 4.25% p.a.
upfront fees $0 Ongoing fees $399.00 yearly
Discharge Fee $375.00 Extra repayments yes - free
Redraw facility yes - free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $200,000
Maximum loan amount $2,500,000 Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

Hunter United Platinum Home Loan (Owner Occupied, LVR<90%)

Join the Big Bank Rebellion and pay NO application or valuation fees

Only 10% deposit required, 100% offset & redraw facilities

Award winning, customer owned banking

Variable rate:

3.87% p.a. variable

Comparison rate*:

3.97% p.a.

Upfront fees:

$0

interest rate 3.87% p.a. variable comparison rate* 3.97% p.a.
upfront fees $0 Ongoing fees $8.00 monthly
Discharge Fee $80.00 Extra repayments yes
Redraw facility yes - 1st redraw per month free Offset account yes
Maximum loan to value ratio 90.00% Minimum loan amount $300,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

AMP Essential Home Loan (Owner Occupier, Principal & Interest)

Experts Choice Winner - Home Loans 2017

Additional repayments anytime

Waived establishment & settlement fees

Variable rate:

3.96% p.a. variable

Comparison rate*:

3.98% p.a.

Upfront fees:

$295

interest rate 3.96% p.a. variable comparison rate* 3.98% p.a.
upfront fees $295 Ongoing fees $0.00
Discharge Fee $100.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 90.00% Minimum loan amount $100,000
Maximum loan amount n/a Type of loan Variable
Repayment types Principal & Interest Availability Owner Occupier
Repayment options Weekly, Fortnightly, Monthly

UBank UHomeLoan - Investor Extra Offer (Principal & Interest, Investment)

Fast, easy apply

No monthly fees

Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan

Variable rate:

4.09% p.a.

Comparison rate*:

4.09% p.a.

Upfront fees:

$0

variable rate 4.09% p.a. comparison rate* 4.09% p.a.
Upfront fees $0 Ongoing fees $0.00
Discharge Fee $0.00 Extra repayments yes - free
Redraw facility yes Offset account no
Maximum loan to value ratio 80.00% Minimum loan amount $100,000
Maximum loan amount $2,000,000 Type of loan Variable
Repayment types Principal & Interest Availability Investor
Repayment options Weekly, Fortnightly, Monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is based on the loan amount and term you entered, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

This table contains a selection of home loans available via Mozo. Not all available home loans are listed above. For a detailed search of home loans please visit mozo.com.au/home-loans

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