Compare Home Loans & Mortgages | Interest Rates & Fees - Best Find

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Home loan amount

Deposit percentage

Loan term (years)

Interest rate type

Repayment frequency

Features

State availability

Home loan type

Home loan provider

Compare Home Loans

for $150,000 over 25 years
The Rock
3.79%
3.82%
$778.08
$350

Owner Occupied - Basic Variable

Expand info ˅

The Rock offers a Variable home loan, with comparison rates from 3.82%perannum

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.79%

Comparison rate3.82%

GO TO The Rock

Repayments & Redraws

Monthly repayments (approx)$778

Total repayments (approx)$233,424

Total interest (approx)$83,424

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 Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO The Rock

Home Loan Fees

Application fee $350

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO The Rock

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 The Rock

Other

SponsoredYes

Data accurate as of23/01/2018

GO TO The Rock

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO The Rock

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The Rock
3.84%
5.34%
$785.31
$950

Owner Occupied - Fixed - 3 Year >80% - P&I

Expand info ˅

The Rock offers a Fixed - 3 year home loan, with comparison rates from 5.34%perannum

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$30,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 3 year

Advertised rate3.84%

Comparison rate5.34%

GO TO The Rock

Repayments & Redraws

Monthly repayments (approx)$785

Total repayments (approx)$235,593

Total interest (approx)$85,593

Redraw facility No

Redraw fee N/A

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 The Rock

Home Loan Fees

Application fee $950

Legal fee $0

Valuation fee $0

Settlement fee $350

Discharge fee $250

Regular or monthly fee $0

GO TO The Rock

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 The Rock

Other

SponsoredYes

Data accurate as of23/01/2018

GO TO The Rock

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO The Rock

Hide info ˄

ANZ
5.87%
n/a
$954.78
$0

Breakfree Package Equity Manager ($150,000 - $249,999)

Expand info ˅

ANZ's Breakfree Package Equity Manager ($150,000 - $249,999) is a Variable home loan with rates from n/a

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$250,000

Maximum loan amount$700,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.87%

Comparison raten/a

GO TO ANZ

Repayments & Redraws

Monthly repayments (approx)$954

Total repayments (approx)$286,434

Total interest (approx)$136,434

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

Offset facility No

Extra repayments allowed? TBA

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly No

Repayments monthly Yes

GO TO ANZ

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $160

Regular or monthly fee $395 annually

GO TO ANZ

Loan Availability

InvestmentYes

First home buyersNo

Owner occupierYes

RefinanceNo

Line of creditYes

Self-managed superNo

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

GO TO ANZ

Other

SponsoredYes

Data accurate as of5/01/2018

GO TO ANZ

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO ANZ

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Credit Union SA
5.25%
5.31%
$903.37
$600

Standard variable rate - Owner occupied

Expand info ˅

The Standard Variable Rate Home Loan is ideal for those seeking significant flexibility.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.25%

Comparison rate5.31%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$903

Total repayments (approx)$271,011

Total interest (approx)$121,011

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of22/11/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Credit Union SA

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Credit Union SA
4.59%
5.34%
$845.64
$600

3 year fixed - Owner occupied - Interest Only

Expand info ˅

The Credit Union SA Fixed Rate Home Loan is ideal for those looking for certainty in the short term.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

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

Advertised rate4.59%

Comparison rate5.34%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$845

Total repayments (approx)$253,692

Total interest (approx)$103,692

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Credit Union SA

Hide info ˄

Credit Union SA
4.59%
5.42%
$845.64
$600

2 year fixed - Owner occupied - Interest Only

Expand info ˅

The Credit Union SA Fixed Rate Home Loan is ideal for those looking for certainty in the short term.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

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

Advertised rate4.59%

Comparison rate5.42%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$845

Total repayments (approx)$253,692

Total interest (approx)$103,692

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Credit Union SA

Hide info ˄

Credit Union SA
4.79%
5.55%
$862.92
$600

1 year fixed - Owner occupied - Interest Only

Expand info ˅

The Credit Union SA Fixed Rate Home Loan is ideal for those looking for certainty in the short term.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

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

Advertised rate4.79%

Comparison rate5.55%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$862

Total repayments (approx)$258,876

Total interest (approx)$108,876

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions Up to $10k per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Credit Union SA

Hide info ˄

Credit Union SA
5.55%
5.61%
$930.24
$600

Standard variable rate - Owner occupied - Interest Only

Expand info ˅

The Standard Variable Rate Home Loan is ideal for those seeking significant flexibility.

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$20,000

Maximum loan amount$100,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.55%

Comparison rate5.61%

GO TO Credit Union SA

Repayments & Redraws

Monthly repayments (approx)$930

Total repayments (approx)$279,072

Total interest (approx)$129,072

Redraw facility Yes

Redraw fee $0

Minimum redraw amount $500

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees $0

Extra repayments restrictions None

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO Credit Union SA

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $150

Discharge fee $350

Regular or monthly fee $0

GO TO Credit Union SA

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilitySA

GO TO Credit Union SA

Other

SponsoredNo

Data accurate as of5/12/2017

GO TO Credit Union SA

Comparison rate warning

Comparison rates are based on a $150,000 secured loan for 25 years. These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Credit Union SA

Hide info ˄

Freedom Lend
3.49%
3.49%
$750.13
$0

Variable P&I 70%LVR

Expand 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

Advertised rate3.49%

Comparison rate3.49%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$750

Total repayments (approx)$225,039

Total interest (approx)$75,039

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 $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 of1/8/2017

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info ˄

Freedom Lend
3.54%
3.54%
$754.16
$0

Variable P&I 80%LVR

Expand 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

Advertised rate3.54%

Comparison rate3.54%

GO TO Freedom Lend

Repayments & Redraws

Monthly repayments (approx)$754

Total repayments (approx)$226,248

Total interest (approx)$76,248

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 $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 of1/8/2017

GO TO Freedom Lend

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Freedom Lend

Hide info ˄

Reduce Home Loans
3.63%
3.63%
$761.43
$0

Platinum Rate Buster - 100% Offset

Expand info ˅

Reduce Home Loans's Platinum Rate Buster - 100% Offset is a Variable home loan with rates from 3.63%

Home Loan Overview

Maximum LVR 90%

Maximum insured LVR 90%

Minimum loan amount$100,000

Maximum loan amount$5,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.63%

Comparison rate3.63%

GO TO Reduce Home Loans

Repayments & Redraws

Monthly repayments (approx)$761

Total repayments (approx)$228,429

Total interest (approx)$78,429

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly No

Repayments biweekly Yes

Repayments monthly Yes

GO TO Reduce Home Loans

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $795

Regular or monthly fee

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

SponsoredNo

Data accurate as of5/01/2017

GO TO Reduce Home Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Reduce Home Loans

Hide info ˄

Click Loans
3.64%
3.64%
$764.48
$0

The Online Home Loan

Expand info ˅

Click Loans's The Online Home Loan is a Variable home loan with rates from 3.64%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$150,000

Maximum loan amount$500,000

Minimum loan term 10 years

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.64%

Comparison rate3.64%

GO TO Click Loans

Repayments & Redraws

Monthly repayments (approx)$764

Total repayments (approx)$229,344

Total interest (approx)$79,344

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 No

Repayments biweekly Yes

Repayments monthly Yes

GO TO Click Loans

Home Loan Fees

Application fee $0

Legal fee $440

Valuation fee $0

Settlement fee $0

Discharge fee $250

Regular or monthly fee

GO TO Click 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 Click Loans

Other

SponsoredNo

Data accurate as of5/01/2018

GO TO Click Loans

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Click Loans

Hide info ˄

Pacific Mortgage Group
3.78%
3.64%
$773.65
$0

Fixed Home Loan - 2 Years

Expand info ˅

Pacific Mortgage Group's Fixed Home Loan - 2 Years is a Fixed - 2 years home loan with rates from 3.64%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$10,000

Maximum loan amount$2,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Fixed - 2 years

Advertised rate3.78%

Comparison rate3.64%

GO TO Pacific Mortgage Group

Repayments & Redraws

Monthly repayments (approx)$773

Total repayments (approx)$232,095

Total interest (approx)$82,095

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

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 Pacific Mortgage Group

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $295

Regular or monthly fee

GO TO Pacific Mortgage Group

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 Pacific Mortgage Group

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Pacific Mortgage Group

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO Pacific Mortgage Group

Hide info ˄

CUA
3.65%
3.66%
$767.10
$0

Advance Variable Rate Home Loan

Expand info ˅

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

Advertised rate3.65%

Comparison rate3.66%

GO TO CUA

Repayments & Redraws

Monthly repayments (approx)$767

Total repayments (approx)$230,130

Total interest (approx)$80,130

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

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO CUA

Hide info ˄

State Custodians
3.64%
3.67%
$766.75
$0

Low Rate Home Loan

Expand info ˅

State Custodians's Low Rate Home Loan is a Variable home loan with rates from 3.67%

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$100,000

Maximum loan amount$600,000

Minimum loan term 15 years

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.64%

Comparison rate3.67%

GO TO State Custodians

Repayments & Redraws

Monthly repayments (approx)$766

Total repayments (approx)$230,025

Total interest (approx)$80,025

Redraw facility Yes

Redraw fee $0

Minimum redraw amount TBA

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees TBA

Extra repayments restrictions TBA

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

GO TO State Custodians

Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $286

Settlement fee $300

Discharge fee $300

Regular or monthly fee

GO TO State Custodians

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 State Custodians

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO State Custodians

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

GO TO State Custodians

Hide info ˄

Teachers Mutual Bank
3.65%
3.70%
$766.87
$600

Classic Home Loan

Expand info ˅

Teachers Mutual Bank's Classic Home Loan is a Variable home loan with rates from 3.70%

Home Loan Overview

Maximum LVR 85%

Maximum insured LVR 85%

Minimum loan amount$150,000

Maximum loan amount$1,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.65%

Comparison rate3.70%

GO TO Teachers Mutual Bank

Repayments & Redraws

Monthly repayments (approx)$766

Total repayments (approx)$230,061

Total interest (approx)$80,061

Redraw facility No

Redraw fee N/A

Minimum redraw amount Not available

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 Teachers Mutual Bank

Home Loan Fees

Application fee $600

Legal fee $0

Valuation fee $0

Settlement fee $150

Discharge fee $75

Regular or monthly fee

GO TO Teachers Mutual 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 Teachers Mutual Bank

Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Teachers Mutual Bank

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

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UBank
3.74%
3.74%
$770.38
$0

Discount Offer Variable Home Loan < $700k

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UBank's Discount Offer Variable Home Loan < $700k is a Variable home loan with rates from 3.74%

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR 80%

Minimum loan amount$100,000

Maximum loan amount$700,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Variable

Advertised rate3.74%

Comparison rate3.74%

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Repayments & Redraws

Monthly repayments (approx)$770

Total repayments (approx)$231,114

Total interest (approx)$81,114

Redraw facility Yes

Redraw fee $0

Minimum redraw amount No minimum

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

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Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $0

Regular or monthly fee $0

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Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

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

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Other

SponsoredNo

Data accurate as of1/02/2018

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Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

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Greater Bank
3.74%
3.74%
$770.38
$0

Great Rate Home Loan - Variable- Owner Occupied < 90%

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Greater Bank's Great Rate Home Loan - Variable- Owner Occupied < 90% is a Variable home loan with rates from 3.74%

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 Variable

Advertised rate3.74%

Comparison rate3.74%

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Repayments & Redraws

Monthly repayments (approx)$770

Total repayments (approx)$231,114

Total interest (approx)$81,114

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

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Home Loan Fees

Application fee $0

Legal fee $0

Valuation fee $0

Settlement fee $0

Discharge fee $300

Regular or monthly fee

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Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, QLD, ACT

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Other

SponsoredNo

Data accurate as of5/01/2017

GO TO Greater Bank

Comparison rate warning

Monthly repayments, total repayment amount and comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

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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 (variable, fixed, 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.