Compare Home Loan Rates Australia | Home loans comparison | Best Find - Page 2

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Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$750,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.44%

Home loan comparison rate3.44%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$891

Total repayments (approx)$320,904

Total interest (approx)$120,904

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $440

Legal fee Approx. $220+ disbursements

Valuation fee $250

Settlement fee $150

Discharge fee $750

Regular or monthly fee $0

GO TO Reduce Home Loans

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Reduce Home Loans

Other

SponsoredYes

Data accurate as of1/08/2018

GO TO Reduce Home Loans

Hide info -

No upfront or ongoing fees. Save more than $500 and enjoy not having to pay on upfront or monthly fees. Free online redraw and unlimited additional repayments. 100% mortgage offset account.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$930

Total repayments (approx)$335,080

Total interest (approx)$135,080

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of5/06/2018

GO TO Beyond Bank

Hide info -

Our cheapest, simplest variable rate loan, is still packed with features.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.74%

Home loan comparison rate3.79%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$925

Total repayments (approx)$333,036

Total interest (approx)$133,036

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $0

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$953

Total repayments (approx)$343,324

Total interest (approx)$143,324

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredYes

Data accurate as of3/7/2018

GO TO Freedom Lend

Hide info -

With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term).

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 3 Year

Home loan interest rates (base)4.84%

Home loan comparison rate5.19%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$1,054

Total repayments (approx)$379,501

Total interest (approx)$179,501

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions $25,000

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $200

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of31/08/2018

GO TO Beyond Bank

Hide info -

A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.49%

Home loan comparison rate4.54%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$1,012

Total repayments (approx)$364,438

Total interest (approx)$164,438

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Partial offset account

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $0

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

Our cheapest, simplest variable rate loan, is still packed with features.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)4.64%

Home loan comparison rate4.69%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$1,030

Total repayments (approx)$370,828

Total interest (approx)$170,828

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $0

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan. New loans only.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 3 years

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Home loan interest rates (base)3.69%

Home loan comparison rate4.93%

GO TO Community First Credit Union

Repayments & Redraws

Monthly repayments (approx)$919

Total repayments (approx)$330,998

Total interest (approx)$130,998

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Community First Credit Union

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

GO TO Community First Credit Union

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Community First Credit Union

Other

SponsoredYes

Data accurate as of29/06/2018

GO TO Community First Credit Union

Hide info -

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan. New loans only.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 3 years

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Home loan interest rates (base)3.99%

Home loan comparison rate4.99%

GO TO Community First Credit Union

Repayments & Redraws

Monthly repayments (approx)$953

Total repayments (approx)$343,324

Total interest (approx)$143,324

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Community First Credit Union

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

GO TO Community First Credit Union

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Community First Credit Union

Other

SponsoredYes

Data accurate as of29/06/2018

GO TO Community First Credit Union

Hide info -

A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Home loan interest rates (base)3.89%

Home loan comparison rate4.99%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$942

Total repayments (approx)$339,202

Total interest (approx)$139,202

Redraw facility Yes

Redraw fee $20

Minimum redraw amount TBA

Offset facility Partial offset account

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $8

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 5 years

Home loan interest rates (base)4.49%

Home loan comparison rate5.04%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$1,012

Total repayments (approx)$364,399

Total interest (approx)$164,399

Redraw facility Yes

Redraw fee $20

Minimum redraw amount TBA

Offset facility Partial offset account

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $8

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 2 years

Home loan interest rates (base)3.65%

Home loan comparison rate5.05%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$914

Total repayments (approx)$329,385

Total interest (approx)$129,385

Redraw facility Yes

Redraw fee $20

Minimum redraw amount TBA

Offset facility Partial offset account

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $8

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term).

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 3 Year

Home loan interest rates (base)4.84%

Home loan comparison rate5.19%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$1,054

Total repayments (approx)$379,501

Total interest (approx)$179,501

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions $25,000

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $200

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of31/08/2018

GO TO Beyond Bank

Hide info -

A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 1 year

Home loan interest rates (base)3.89%

Home loan comparison rate5.21%

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$942

Total repayments (approx)$339,202

Total interest (approx)$139,202

Redraw facility Yes

Redraw fee $20

Minimum redraw amount TBA

Offset facility Partial offset account

Extra repayments allowed? Unlimited

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $8

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term).

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 2 Year

Home loan interest rates (base)4.74%

Home loan comparison rate5.21%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$1,042

Total repayments (approx)$375,152

Total interest (approx)$175,152

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions $25,000

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $200

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of31/08/2018

GO TO Beyond Bank

Hide info -

With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term).

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 5 Year

Home loan interest rates (base)5.09%

Home loan comparison rate5.23%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$1,084

Total repayments (approx)$390,481

Total interest (approx)$190,481

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions $25,000

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $200

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of31/08/2018

GO TO Beyond Bank

Hide info -

With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term).

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 1 Year

Home loan interest rates (base)4.64%

Home loan comparison rate5.24%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$1,030

Total repayments (approx)$370,828

Total interest (approx)$170,828

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions $25,000

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $200

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of31/08/2018

GO TO Beyond Bank

Hide info -

With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term).

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 4 Year

Home loan interest rates (base)5.09%

Home loan comparison rate5.24%

GO TO Beyond Bank

Repayments & Redraws

Monthly repayments (approx)$1,084

Total repayments (approx)$390,481

Total interest (approx)$190,481

Redraw facility Yes

Redraw fee $0

Minimum redraw amount

Offset facility Yes

Extra repayments allowed? Unlimited

Extra repayment fees $0

Extra repayments restrictions $25,000

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Beyond Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $200

Discharge fee $295

Regular or monthly fee $0

GO TO Beyond Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO Beyond Bank

Other

SponsoredYes

Data accurate as of31/08/2018

GO TO Beyond Bank

Hide info -

Package your standard variable, fixed rate or living equity loan together with a credit card and transaction account and you could save thousands with discounts on interest rates and fee waivers.

Home Loan Overview

Maximum LVR 85%

Maximum insured LVR 85%

Minimum loan amount$20,000

Maximum loan amount$500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)5.56%

Home loan comparison rateN/A

GO TO Heritage Bank

Repayments & Redraws

Monthly repayments (approx)$1,143

Total repayments (approx)$411,544

Total interest (approx)$211,544

Redraw facility No

Redraw fee No

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Not Allowed

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Heritage Bank

Home Loan Fees

Application fee $150

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $200

Regular or monthly fee $10

GO TO Heritage Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditYes

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Heritage Bank

Other

SponsoredYes

Data accurate as of2/7/2018

GO TO Heritage Bank

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 70%

Maximum insured LVR 70%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.54%

Home loan comparison rate3.54%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$902

Total repayments (approx)$324,921

Total interest (approx)$124,921

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $0

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions No restrictions

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $330

Valuation fee $250

Settlement fee $0

Discharge fee $750

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

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CUA's Advance Variable Rate Home Loan is a Variable home loan with rates from 3.66%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$5,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.65%

Home loan comparison rate3.66%

GO TO CUA

Repayments & Redraws

Monthly repayments (approx)$914

Total repayments (approx)$329,371

Total interest (approx)$129,371

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO CUA

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $195

Discharge fee $200

Regular or monthly fee

GO TO CUA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO CUA

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO CUA

Hide info -

Bank Australia's Basic Home Loan - Special Variable - Owner Occupier - P&I is a Variable home loan with rates from 3.75%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$10,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.74%

Home loan comparison rate3.75%

GO TO Bank Australia

Repayments & Redraws

Monthly repayments (approx)$925

Total repayments (approx)$333,036

Total interest (approx)$133,036

Redraw facility Yes

Redraw fee $25

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Bank Australia

Home Loan Fees

Application fee $595

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $250

Regular or monthly fee

GO TO Bank Australia

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Bank Australia

Other

SponsoredNo

Data accurate as of5/01/2018

GO TO Bank Australia

Hide info -

A low variable interest rate home loan with no ongoing monthly or annual fees.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.73%

Home loan comparison rate3.76%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$923

Total repayments (approx)$332,625

Total interest (approx)$132,625

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $299

Discharge fee $250

Regular or monthly fee $0

GO TO ING

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Hide info -

No unnecessary features, no application fees and no monthly fees.

Home Loan Overview

Maximum LVR 95% Inlcuding LMI

Maximum insured LVR 95% Inlcuding LMI

Minimum loan amount$100,000

Maximum loan amount$999,999,999.99

Minimum loan term n/a

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.79%

GO TO Hume Bank

Repayments & Redraws

Monthly repayments (approx)$930

Total repayments (approx)$335,080

Total interest (approx)$135,080

Redraw facility Yes

Redraw fee FREE (online) $25 in-branch

Minimum redraw amount $50

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees No

Extra repayments restrictions n/a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Hume Bank

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $0-$200

Regular or monthly fee $0

GO TO Hume Bank

Loan Availability

InvestmentNo

First home buyersNo

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Hume Bank

Other

SponsoredNo

Data accurate as of12/07/2017

GO TO Hume Bank

Hide info -

No unnecessary features, no application fees and no monthly fees.

Home Loan Overview

Maximum LVR 95% Inlcuding LMI

Maximum insured LVR 95% Inlcuding LMI

Minimum loan amount$50,000

Maximum loan amount$999,999,999.99

Minimum loan term n/a

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.79%

Home loan comparison rate3.83%

GO TO Hume Bank

Repayments & Redraws

Monthly repayments (approx)$930

Total repayments (approx)$335,080

Total interest (approx)$135,080

Redraw facility Yes

Redraw fee FREE (online) $25 in-branch

Minimum redraw amount $50

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees No

Extra repayments restrictions n/a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Hume Bank

Home Loan Fees

Application fee $600

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $0-$200

Regular or monthly fee $0

GO TO Hume Bank

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceNo

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Hume Bank

Other

SponsoredNo

Data accurate as of12/07/2017

GO TO Hume Bank

Hide info -

A low variable interest rate home loan with no ongoing monthly or annual fees.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$150,000

Maximum loan amount$500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.83%

Home loan comparison rate3.85%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$935

Total repayments (approx)$336,718

Total interest (approx)$136,718

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $299

Discharge fee $250

Regular or monthly fee $0

GO TO ING

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Hide info -

The Variable home loan is aimed at those looking for greater flexibility with their loan. The Variable account comes with a 100% offset account which allows for additional lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives.

Home Loan Overview

Maximum LVR 70%

Maximum insured LVR 70%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Variable

Home loan interest rates (base)3.99%

Home loan comparison rate3.90%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$953

Total repayments (approx)$343,324

Total interest (approx)$143,324

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $20,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $535

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO Freedom Lend

Hide info -

The Fixed Owner Occupied home loan is aimed at those looking for lock in their loan for greater budgeting and predictability. The Fixed account loan comes with options to make additional repayments of up to $20,000 per year. This loan is perfect for those that do not want to worry about their loan and to spend more time with their lives.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$50,000

Maximum loan amount$1,250,000

Minimum loan term 1 Year

Maximum loan term 30 Years

Interest rate type Fixed

Home loan interest rates (base)4.08%

Home loan comparison rate4.00%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$964

Total repayments (approx)$347,112

Total interest (approx)$147,112

Redraw facility No

Redraw fee $0

Minimum redraw amount $0

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions $10,000 p.a

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Freedom Lend

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $250

Regular or monthly fee $0

GO TO Freedom Lend

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

GO TO Freedom Lend

Other

SponsoredNo

Data accurate as of20/7/2018

GO TO Freedom Lend

Hide info -

Reduce your interest payable on your home loan with a 100% offset facility when you make a deposit into your linked Orange Everyday bank account.

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)3.68%

Home loan comparison rate4.00%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$918

Total repayments (approx)$330,631

Total interest (approx)$130,631

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility 100% offset account

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $299

Discharge fee $250

Regular or monthly fee $299 annually

GO TO ING

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Hide info -

A low variable interest rate home loan with no ongoing monthly or annual fees.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$150,000

Maximum loan amount$500,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Home loan interest rates (base)4.03%

Home loan comparison rate4.05%

GO TO ING

Repayments & Redraws

Monthly repayments (approx)$958

Total repayments (approx)$344,984

Total interest (approx)$144,984

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO ING

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $299

Discharge fee $250

Regular or monthly fee $0

GO TO ING

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityACT, NSW, NT, QLD, SA, TAS, VIC, WA

GO TO ING

Other

SponsoredNo

Data accurate as of3/7/2018

GO TO ING

Hide info -

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Tips for comparing home loans

Overview

A home loan (also known as a mortgage or home finance) is a loan from a bank or financial institution for purchasing a property. These loans have typically longer terms, usually 25 or 30 years. The payments likely will be set either fortnightly or monthly. There are many different variations of home loans to suit individual financial needs.

Your home loan will fall into one of these categories, based on why you are buying the house.

Home loans also come in different interest rate structures (variablefixed, and split rates). Home loans are asset assured, meaning that the loan is secured against your property. If you cannot continue the payments, the lending institution may require you to sell the property to settle the debt.

Why should I compare home loans? Are all home loans the same?

No, home loans are as variable as prospective homebuyers. There are a multitude of loans from different lending institutions. It’s worthwhile to research your mortgage before committing to the first one you find because home loans are long-term loans, and as such, even a small difference in interest rates or fees can significantly impact the final cost of the house.

Who is eligible for a home loan?

If you’re interested in securing a home loan, but you’re not sure you’re eligible, consider speaking with a mortgage broker. Brokers earn a commission from the lending institution when you take out a loan, they therefore work a little hard in ensuring you get a loan that’s appropriate for you.

If you find yourself in one or more of the following situations, you are less likely eligible to be secure a home loan:

  • You have impaired credit.
  • You are on a low income.
  • You are on a pension.
  • You are self-employed.
  • You are a causal or seasonal worker.
  • You have a temporary visa.
  • You do not have a down payment (but you have a pre-existing home with equity available).
  • You are on maternity leave.
  • You are on a single income with a child or children.
  • You recently transferred to a new job.

You could still potentially get a home loan if you fill into one or more of the above criteria. However, your options may be limited. You may need to rely on getting a cheaper place, saving for a larger deposit, using equity in an existing home or taking out lender mortgage insurance (LMI).

Do I need preapproval?

Preapproval can make the home buying process smoother and easier. Essentially, preapproval is when your home loan lender “conditionally” preapproves you for a loan up to a certain amount once looking at your finances, employment, and other outstanding debts.

Prospective home buyers with preapproval will be able to negotiate harder because they will be considered a preferred buyer. It will offer the sellers increased confidence that you’re serious and have the ability to afford the house. Preapproval will also speed up the documentation process.

How much does a home loan cost?

The total cost of the loan includes not only the amount of money borrowed, but also interest accrued over the life of the loan as well as any additional costs and fees. There are three types of fees you will encounter when applying for a mortgage.

  1. Upfront fees. These fees include application fees, settlement fees, valuation fees, legal fees, Lenders Mortgage Insurance (LMI), and stamp duty.
  2. Ongoing fees. Repayments, annual fees, monthly fees, redraw fees, and offset account fees.
  3. Exit fees. Title discharge fees and break costs.

This is a general overview of some of the fees you could incur during the home loan process. Each loan will differ so it important to calculate these costs to see the true cost of a home loan.

What about interest rates?

A home loan’s interest rate is the other key piece that will determine the total cost of a home loan. The “comparison rate” is the key rate to look at, as it encompasses all of the fees and demonstrates the cost as an annualised rate. Home loans are offered with three interest rate types: variable, fixed, and split.

Variable interest rates can fluctuate over time. Borrowers can benefit from this type of interest rate if the interest rates are cut during the life of the loan, but they can also end up paying more if interest rates are increased. These loan payments typically differ from payment to payment.

Fixed interest rates are set at a fixed rate for a stated period (usually one to five years). While a borrower with this type of interest rate may not enjoy the savings if interest rates are cut, they will also not be subject to interest rate hikes throughout during the fix term. This interest rate structure is good for setting a budget, because the monthly payments will remain consistent.

Split interest rates allow you to enjoy some of the benefits of both fixed and variable interest rates. Some lenders charge a fee for each split, while others do not charge a fee.

What else should you compare when looking for a home loan?

The following should be considered when you compare home loans:

  • Introductory home loans

This can be a great option for first-time home buyers because these loans offer a lower interest rate for the first year or two, lower costing associated with home owning and reducing the financial strain for the first few years.

  • Interest only loans

Interest only loans are generally suited best toward investors. Interest only loans only require that the borrower pay the interest rate accrued and not the principle of the loan. This allows investors to purchase a property and make a minimum amount of payments on it.

  • Line of credit/home equity loans

These loans allow you to borrow against the equity of the property to payment for renovations, home improvements, purchasing a vehicle, or more. Lines of credit are also a great choice for those who are building their own home to draw funds to pay for the construction.

A SMSF is a super fund where its members can direct the investment strategy (different than a standard super fund). In 2007, superannuation rules changed to allow Australians to use their super funds to borrow and purchase property. Many financial institutions now offer loans specifically for this situation.

What mortgage features should I know about?

Extra payments. Most loans allow you to make additional payments so you can pay off your loan more quickly.

Repayment holiday. This allows you to take some time off from paying the loan in the event of an unforeseen circumstance (like injury or illness). Some lenders only allow this if the loan is paid ahead of schedule.

Redraw facility. Withdraw extra payments made if your financial situation changes and you need additional money.

Rate lock. Typically, only offered for fixed rate loans, it ‘locks’ the price in (usually for a fee), so that in the time it takes for the loan to be approved, the rate will not change.

Portability. In the future, if you decide to sell your house and purchase a new one, you can transfer the existing loan to the new house to avoid additional fees on a new loan.