[Skip to the content](#main)

[RateGap](/)every home loan rate lenders publish, compared

# Principal and interest home loan rates

Every home loan rate Australian lenders advertise for principal-and-interest repayments, published under the Consumer Data Right and dated to the day it was read. [Rate movements over time](/data/history) · [Back to the data overview](/data).

      Lender

- All lenders

- AAA FINANCIAL CORPORATION
- AFG Align
- AFG Commercial
- AFG Home Loans - Retro
- AFG Home Loans Alpha
- AMP - My AMP
- AMP Bank GO
- ANZ
- ANZ Plus
- Afterpay
- Apollo
- Arab Bank Australia Limited
- Athena Home Loans
- Aussie Activate
- Aussie Elevate
- Aussie Select
- Australian Military Bank
- Australian Mutual Bank LTD
- Auswide Bank Ltd
- BCU Bank
- BNK Bank (Goldfields Money/BCHL)
- BOQ Specialist
- Bank Australia
- Bank First
- Bank of China
- Bank of Melbourne
- Bank of Queensland Limited
- Bank of Sydney
- Bank of us
- BankSA
- BankVic
- Bankwest
- Bendigo Bank
- Beyond Bank Australia
- Bluestone Home Loans
- Border Bank
- Broken Hill Bank
- Cairns bank
- Central Murray Bank
- Central West CUL
- Coastline Bank
- CommBank
- CommFCU
- Connective Advance
- Connective Athena
- Connective Complete
- Connective Elevate
- Connective Select
- Credit Union SA
- Darling Downs Bank
- Defence Bank
- Dnister
- Easy Street
- Finsure Thrive
- Fire Service Credit Union
- Firefighters Mutual Bank
- First Option Bank
- Firstmac
- Gateway Bank
- Great Southern Bank
- Greater Bank
- HSBC
- Health Professionals Bank
- Homestar Finance Pty Ltd
- Horizon Bank
- Hume Bank
- IMB Bank
- ING BANK (Australia) Ltd
- Judo Bank
- LJ Hooker Home Loans
- La Trobe Financial
- Laboratories Credit Union
- Liberty Financial
- MA Money
- MCCA
- ME Bank - ME Go
- Macquarie Bank Limited
- Maitland Mutual Limited
- Mortgage Choice Amplify
- Mortgage Choice Freedom
- Mortgage Choice Ignite
- Mortgage Ezy
- Mortgage House
- MoveBank
- MyState Bank
- NATIONAL AUSTRALIA BANK
- NRMA Home Loans
- Newcastle Permanent
- Northern Inland Credit Union Limited
- ORANGE CREDIT UNION LTD
- ORDE Financial
- P&N Bank
- Paramount Edge
- People First and Heritage Bank
- Pepper Money
- Police Bank
- Police Credit Union Ltd
- QBANK
- Qantas Money Atlas Home Loans
- Qantas Money Basic/Offset Home Loans
- Qudos Bank
- Queensland Country Bank
- RACQ Bank
- Rate Money Elevate
- RedZed
- Regional Australia Bank
- Resimac
- SWSbank
- Southern Cross Credit Union
- St.George Bank
- Summerland Bank
- Suncorp Bank
- TMCU
- Teachers Mutual Bank
- The Capricornian
- The Mac
- Thinktank
- Thinktank by LMG
- Tiimely Home
- UBank
- UniBank
- Unity Bank
- Unloan
- Up
- Virgin Money
- Westpac
- Woolworths Team Bank
- YBR Lending Solutions
- Zeus
- bankWAW
- gmcu
- homeloans.com.au
- loans.com.au

      Rate type

- Variable and fixed
- Variable
- Fixed
- All, with discounts
      Loan purpose

- Any purpose
- Owner-occupied
- Investment
      Repayment type

- Any repayment
- Principal and interest
- Interest only

      Search lender or product name

      Filter

"All, with discounts" adds discounts, bundle rates and
    introductory offers, which are not loan prices.

Showing the lowest 400 of 11,349 matching rates. Narrow the filters to see the rest.

    | Rate | Lender | Product | Type | For | Repay | LVR band | Comparison |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| **2.79%** | [RACQ Bank](/lender/racq-bank) | Green Home Loan Investment | variable | investment | P&I | — | 2.79% |  |
| **2.79%** | [RACQ Bank](/lender/racq-bank) | Green Home Loan | variable | owner-occupied | P&I | — | 2.79% |  |
| **3.25%** | [Westpac](/lender/westpac) | Flexi First Option Home Loan - Veterans | variable | owner-occupied | P&I | — | — |  |
| **4.74%** | [Westpac](/lender/westpac) | Sustainable Upgrades Investment Loan | variable | investment | P&I | — | 4.74% | [↗](https://www.westpac.com.au/home-loans/sustainable-upgrades-home-loan) |
| **4.74%** | [Westpac](/lender/westpac) | Sustainable Upgrades Home Loan | variable | owner-occupied | P&I | — | 4.74% | [↗](https://www.westpac.com.au/home-loans/sustainable-upgrades-home-loan) |
| **5.65%** | Family First | Standard Variable Rate Home Loan - Owner Occupied | variable | owner-occupied | P&I | 0–95% | 5.73% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **5.69%** | [AAA FINANCIAL CORPORATION](/lender/aaa-financial-corporation) | Portfolio Loan | variable | investment | P&I | 0–90% | — |  |
| **5.69%** | [AAA FINANCIAL CORPORATION](/lender/aaa-financial-corporation) | Portfolio Loan | variable | owner-occupied | P&I | 0–90% | — |  |
| **5.75%** | Family First | Standard Variable Rate Home Loan - Owner Occupied | variable | owner-occupied | P&I | 0–95% | 5.83% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **5.79%** | [Laboratories Credit Union](/lender/laboratories-credit-union) | Simple Home Loan Owner Occupied Variable | variable | owner-occupied | P&I | — | 5.81% |  |
| **5.79%** | [Easy Street](/lender/easy-street) | STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest) | variable | owner-occupied | P&I | — | 5.80% | [↗](https://easystreet.com.au/support/loan-interest-rates) |
| **5.84%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 5.99% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.84%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 60–90% | 6.02% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.84%** | [Police Bank](/lender/police-bank) | First Home Loan | fixed 3y | owner-occupied | P&I | 80–98% | 5.91% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.84%** | [Border Bank](/lender/border-bank) | First Home Loan | fixed 3y | owner-occupied | P&I | 80–98% | 5.91% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.84%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 5.99% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.84%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 60–90% | 6.02% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.84%** | [Police Bank](/lender/police-bank) | First Home Loan | variable | owner-occupied | P&I | 80–98% | 5.91% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.84%** | [Border Bank](/lender/border-bank) | First Home Loan | variable | owner-occupied | P&I | 80–98% | 5.91% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.85%** | [CommFCU](/lender/commfcu) | GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest) | fixed 3y | owner-occupied | P&I | — | 5.98% | [↗](https://communityfirst.com.au/tools/rates-and-fees) |
| **5.85%** | Family First | Standard Variable Rate Home Loan - Owner Occupied | variable | owner-occupied | P&I | 0–95% | 5.93% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **5.85%** | [CommFCU](/lender/commfcu) | Core Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest) | variable | owner-occupied | P&I | — | 5.90% | [↗](https://communityfirst.com.au/tools/rates-and-fees) |
| **5.85%** | [CommFCU](/lender/commfcu) | Go Basic Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest) | variable | owner-occupied | P&I | — | 5.90% | [↗](https://communityfirst.com.au/tools/rates-and-fees) |
| **5.89%** | Family First | Fixed Rate Home Loan - Owner Occupied | fixed 1y | owner-occupied | P&I | 0–95% | 6.83% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **5.89%** | [RACQ Bank](/lender/racq-bank) | Fair Dinkum Home Loan | variable | owner-occupied | P&I | 0.01–60% | 5.89% |  |
| **5.89%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Executive Home Loan 60 | variable | owner-occupied | P&I | — | 5.93% |  |
| **5.89%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Executive Home Loan 60 (with offset) | variable | owner-occupied | P&I | — | 6.29% |  |
| **5.90%** | Family First | Standard Variable Rate Home Loan - Investment | variable | investment | P&I | 0–95% | 5.98% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | variable | owner-occupied | P&I | 80.01–95% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | variable | owner-occupied | P&I | 0–60% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | variable | owner-occupied | P&I | 60.01–80% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | owner-occupied | P&I | 80.01–95% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | owner-occupied | P&I | 0–60% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | owner-occupied | P&I | 60.01–80% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | variable | owner-occupied | P&I | 80.01–95% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | variable | owner-occupied | P&I | 0–60% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | variable | owner-occupied | P&I | 60.01–80% | 6.28% |  |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | owner-occupied | P&I | 80.01–95% | 6.28% | [↗](https://www.sccu.com.au/home-loans/) |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | owner-occupied | P&I | 0–60% | 6.28% | [↗](https://www.sccu.com.au/home-loans/) |
| **5.93%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | owner-occupied | P&I | 60.01–80% | 6.28% | [↗](https://www.sccu.com.au/home-loans/) |
| **5.93%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Nova | variable | owner-occupied | P&I | 0–70% | 5.93% | [↗](https://homestarfinance.com.au/star-nova-refinance-home-loan/) |
| **5.94%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.05% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.94%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 60–80% | 6.09% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.94%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.05% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.94%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 60–80% | 6.09% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.94%** | [Northern Inland Credit Union Limited](/lender/northern-inland-credit-union-limited) | Value Home Loan - Investment | variable | investment | P&I | — | 5.98% | [↗](https://www.nicu.com.au/home-loans/value-home-loan) |
| **5.94%** | [Northern Inland Credit Union Limited](/lender/northern-inland-credit-union-limited) | Value Home Loan - Owner Occupied | variable | owner-occupied | P&I | — | 5.98% | [↗](https://www.nicu.com.au/home-loans/value-home-loan) |
| **5.94%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | variable | owner-occupied | P&I | 0–60% | 6.01% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.94%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | variable | owner-occupied | P&I | 0–60% | 6.01% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.94%** | [Broken Hill Bank](/lender/broken-hill-bank) | Choice Home Loan | variable | owner-occupied | P&I | — | 5.99% | [↗](https://brokenhill.bank/choice-home-loan) |
| **5.94%** | [Gateway Bank](/lender/gateway-bank) | Low Rate Essentials | variable | owner-occupied | P&I | 60–70% | 5.96% | [↗](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/) |
| **5.94%** | [Coastline Bank](/lender/coastline-bank) | Staff Housing Loan | variable | owner-occupied | P&I | — | 6.01% | [↗](https://www.coastline.com.au/personal/home-loans) |
| **5.94%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Executive Home Loan 80 | variable | owner-occupied | P&I | — | 5.98% |  |
| **5.95%** | [Laboratories Credit Union](/lender/laboratories-credit-union) | Simple Home Loan Investment Variable | variable | investment | P&I | — | 5.97% |  |
| **5.95%** | [Easy Street](/lender/easy-street) | STREET SMART VARIABLE HOME LOAN SPECIAL - INVESTMENT (Principal and Interest) | variable | investment | P&I | — | 6.00% | [↗](https://easystreet.com.au/variable-home-loan) |
| **5.95%** | [Bank Australia](/lender/bank-australia) | Offset Home Loan | variable | owner-occupied | P&I | — | 6.14% | [↗](http://bankaust.com.au/offset-home-loan-offer) |
| **5.95%** | [Easy Street](/lender/easy-street) | STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED (Principal and Interest) | variable | owner-occupied | P&I | — | 6.00% | [↗](https://easystreet.com.au/support/loan-interest-rates) |
| **5.98%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Nova | variable | owner-occupied | P&I | 70.01–80% | 5.98% | [↗](https://homestarfinance.com.au/star-nova-refinance-home-loan/) |
| **5.98%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Essentials | variable | owner-occupied | P&I | 0–70% | 5.98% | [↗](https://homestarfinance.com.au/star-essentials-home-loan/) |
| **5.99%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | investment | P&I | 0–60% | 6.17% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.99%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | investment | P&I | 60–80% | 6.21% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.99%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | investment | P&I | 0–60% | 6.17% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.99%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | investment | P&I | 60–80% | 6.21% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.99%** | Family First | Fixed Rate Home Loan - Owner Occupied | fixed 2y | owner-occupied | P&I | 0–95% | 6.76% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **5.99%** | [Credit Union SA](/lender/credit-union-sa) | 3-Year Fixed 40 Year Home Loan Package | fixed 3y | owner-occupied | P&I | — | 7.06% | [↗](https://www.creditunionsa.com.au/xl-hl) |
| **5.99%** | [Northern Inland Credit Union Limited](/lender/northern-inland-credit-union-limited) | Value Home Loan - Fixed 12M | fixed 1y | owner-occupied | P&I | — | 5.87% | [↗](https://www.nicu.com.au/home-loans/value-home-loan-1-year-fixed-special-offer) |
| **5.99%** | [CommFCU](/lender/commfcu) | BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest) | variable | investment | P&I | — | 6.37% | [↗](https://communityfirst.com.au/tools/rates-and-fees) |
| **5.99%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | variable | owner-occupied | P&I | 60–90% | 6.06% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.99%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | variable | owner-occupied | P&I | 0–60% | 6.06% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **5.99%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | variable | owner-occupied | P&I | 0–60% | 6.06% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.99%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | variable | owner-occupied | P&I | 60–90% | 6.06% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **5.99%** | [First Option Bank](/lender/first-option-bank) | SIMPLE HOME LOAN | variable | owner-occupied | P&I | 0–60% | 5.99% | [↗](https://firstoptionbank.com.au/lending-rates/) |
| **5.99%** | [MoveBank](/lender/movebank) | Everyday Home Loan | variable | owner-occupied | P&I | — | — |  |
| **5.99%** | [RACQ Bank](/lender/racq-bank) | Mortgage Saver Home Loan | variable | owner-occupied | P&I | 0.01–60% | 6.03% |  |
| **5.99%** | [Horizon Bank](/lender/horizon-bank) | First Home Buyer Loan | variable | owner-occupied | P&I | 0.01–70% | 6.00% | [↗](https://horizonbank.com.au/help/rates-fees/interest-rates#Text-922a3-Home_Loans) |
| **5.99%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (With Offset) | variable | owner-occupied | P&I | 0–50% | 6.25% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **5.99%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | owner-occupied | P&I | 0–50% | 6.01% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **5.99%** | [CommFCU](/lender/commfcu) | BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% Special (Principal and Interest) | variable | owner-occupied | P&I | — | 6.37% | [↗](https://communityfirst.com.au/tools/rates-and-fees) |
| **6.00%** | Family First | Standard Variable Rate Home Loan - Investment | variable | investment | P&I | 0–95% | 6.08% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **6.04%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | owner-occupied | P&I | 61–70% | 6.07% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.04%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | owner-occupied | P&I | 0–60% | 6.07% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.04%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | owner-occupied | P&I | 0–60% | 6.09% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.04%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | owner-occupied | P&I | 61–70% | 6.09% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.04%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | variable | owner-occupied | P&I | 60–80% | 6.11% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.04%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | variable | owner-occupied | P&I | 0–60% | 6.11% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.04%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | variable | owner-occupied | P&I | 60–80% | 6.11% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.04%** | [IMB Bank](/lender/imb-bank) | Budget Home Loan | variable | owner-occupied | P&I | 71–80% | 6.07% | [↗](https://www.imb.com.au/help-centre/rates-and-fees) |
| **6.04%** | [Credit Union SA](/lender/credit-union-sa) | Variable Home Loan Package Specials | variable | owner-occupied | P&I | — | 6.41% | [↗](https://www.creditunionsa.com.au/loans/home-loans/home-loan-package) |
| **6.04%** | [Credit Union SA](/lender/credit-union-sa) | 40 Year Home Loan Package | variable | owner-occupied | P&I | — | 6.41% | [↗](https://www.creditunionsa.com.au/xl-hl) |
| **6.04%** | [Maitland Mutual Limited](/lender/maitland-mutual-limited) | Budget Home Loan | variable | owner-occupied | P&I | 0–59.99% | 6.04% | [↗](https://www.themutual.com.au/borrow/home-loans/budget-home-loan/) |
| **6.04%** | [Maitland Mutual Limited](/lender/maitland-mutual-limited) | Budget Home Loan | variable | owner-occupied | P&I | 60–79.99% | 6.04% | [↗](https://www.themutual.com.au/borrow/home-loans/budget-home-loan/) |
| **6.04%** | [Apollo](/lender/apollo) | Apollo Max Bundle (With Offset) | variable | owner-occupied | P&I | 0–50% | 6.30% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.04%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | owner-occupied | P&I | 61–70% | 6.07% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.04%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | owner-occupied | P&I | 61–70% | 6.09% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.04%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (With Offset) | variable | owner-occupied | P&I | 50.01–60% | 6.30% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.04%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | owner-occupied | P&I | 50.01–60% | 6.06% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.04%** | [Apollo](/lender/apollo) | Apollo Max Bundle (Without Offset) | variable | owner-occupied | P&I | 0–50% | 6.06% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.05%** | [Unity Bank](/lender/unity-bank) | Essential Worker Home Loan - Owner Occupier | variable | owner-occupied | P&I | — | 6.10% | [↗](https://www.unity.bank/home-loans/buy-or-refinance/essential-worker-home-loan/) |
| **6.08%** | [Suncorp Bank](/lender/suncorp-bank) | Back to Basics Variable Rate Better Together Special Offer | variable | owner-occupied | P&I | 60.1–70% | 6.09% | [↗](https://www.suncorpbank.com.au/home-loans/basics.html) |
| **6.08%** | [Suncorp Bank](/lender/suncorp-bank) | Back to Basics Variable Rate Better Together Special Offer | variable | owner-occupied | P&I | 1–60% | 6.09% | [↗](https://www.suncorpbank.com.au/home-loans/basics.html) |
| **6.08%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Classic | variable | owner-occupied | P&I | 0–70% | 6.08% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.08%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Essentials | variable | owner-occupied | P&I | 70.01–80% | 6.08% | [↗](https://homestarfinance.com.au/star-essentials-home-loan/) |
| **6.08%** | [Zeus](/lender/zeus) | Zeus Bolt | variable | owner-occupied | P&I | 0–70% | 6.33% | [↗](https://content.zeus.lmglending.com.au/Zeus_Bolt_Rate_Card.pdf) |
| **6.08%** | [Zeus](/lender/zeus) | Zeus Own | variable | owner-occupied | P&I | 0–70% | 6.41% | [↗](https://content.zeus.lmglending.com.au/hubfs/Zeus/Zeus_Own_Variable_Product_Sheet.pdf) |
| **6.08%** | [Zeus](/lender/zeus) | Zeus Own | variable | owner-occupied | P&I | 0–70% | 6.41% | [↗](https://content.zeus.lmglending.com.au/hubfs/Zeus/Zeus_Own_Variable_Product_Sheet.pdf) |
| **6.08%** | [Zeus](/lender/zeus) | Zeus Bolt | variable | owner-occupied | P&I | 0–70% | 6.33% | [↗](https://content.zeus.lmglending.com.au/Zeus_Bolt_Rate_Card.pdf) |
| **6.08%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Classic | variable | owner-occupied | P&I | 0–70% | 6.08% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.08%** | [AAA FINANCIAL CORPORATION](/lender/aaa-financial-corporation) | Standard Home Loan | variable | owner-occupied | P&I | 0–70% | 6.08% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.09%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | fixed 3y | investment | P&I | 0–60% | 6.24% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.09%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | fixed 3y | investment | P&I | 60–80% | 6.27% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.09%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | fixed 3y | investment | P&I | 0–60% | 6.24% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.09%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | fixed 3y | investment | P&I | 60–80% | 6.27% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.09%** | Family First | Fixed Rate Home Loan - Investment | fixed 1y | investment | P&I | 0–95% | 7.07% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **6.09%** | Family First | Fixed Rate Home Loan - Owner Occupied | fixed 3y | owner-occupied | P&I | 0–95% | 6.71% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **6.09%** | [Police Credit Union Ltd](/lender/police-credit-union-ltd) | 1 Year Fixed Rate Home Loan 95% LVR - First Home Buyer | fixed 1y | owner-occupied | P&I | 0–95% | 7.19% | [↗](https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf) |
| **6.09%** | [BankVic](/lender/bankvic) | Fixed Rate Home Loan - 2 years | fixed 2y | owner-occupied | P&I | — | 6.35% | [↗](https://www.bankvic.com.au/home-buying/upgrade-refinance) |
| **6.09%** | [Credit Union SA](/lender/credit-union-sa) | 2-Year Fixed 40 Year Home Loan Package | fixed 2y | owner-occupied | P&I | — | 7.17% | [↗](https://www.creditunionsa.com.au/xl-hl) |
| **6.09%** | [Border Bank](/lender/border-bank) | First Home Loan | fixed 3y | owner-occupied | P&I | 80–98% | 6.16% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.09%** | [Police Bank](/lender/police-bank) | First Home Loan | fixed 3y | owner-occupied | P&I | 80–98% | 6.16% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.09%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.24% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.09%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 60–90% | 6.27% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.09%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.24% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.09%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 60–90% | 6.27% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.09%** | [Bank Australia](/lender/bank-australia) | Offset Investment Loan | variable | investment | P&I | — | 6.28% | [↗](http://bankaust.com.au/offset-home-loan-offer) |
| **6.09%** | [RACQ Bank](/lender/racq-bank) | Fair Dinkum Investment Home Loan | variable | investment | P&I | 0.01–60% | 6.09% |  |
| **6.09%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | owner-occupied | P&I | 71–80% | 6.12% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.09%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | owner-occupied | P&I | — | 6.12% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.09%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | owner-occupied | P&I | 71–80% | 6.14% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.09%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | owner-occupied | P&I | — | 6.14% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.09%** | [Greater Bank](/lender/greater-bank) | Discounted Great Rate Home Loan - Variable Owner Occupied | variable | owner-occupied | P&I | — | 6.10% | [↗](https://www.greater.com.au/personal/home-loans/great-rate-home-loan) |
| **6.09%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | variable | owner-occupied | P&I | 60–90% | 6.16% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.09%** | [First Option Bank](/lender/first-option-bank) | SIMPLE HOME LOAN | variable | owner-occupied | P&I | 60–70% | 6.09% | [↗](https://firstoptionbank.com.au/lending-rates/) |
| **6.09%** | [MoveBank](/lender/movebank) | Everyday Home Loan | variable | owner-occupied | P&I | — | — |  |
| **6.09%** | [RACQ Bank](/lender/racq-bank) | Mortgage Breaker Owner Occupied | variable | owner-occupied | P&I | 0.01–60% | 6.13% |  |
| **6.09%** | [Virgin Money](/lender/virgin-money) | Virgin Money Lite Home Loan | variable | owner-occupied | P&I | 0–60% | 6.11% | [↗](https://virginmoney.com.au/home-loans) |
| **6.09%** | [Virgin Money](/lender/virgin-money) | Virgin Money Lite Home Loan | variable | owner-occupied | P&I | 60.01–70% | 6.11% | [↗](https://virginmoney.com.au/home-loans) |
| **6.09%** | [Virgin Money](/lender/virgin-money) | Virgin Money Lite Home Loan | variable | owner-occupied | P&I | 70.01–80% | 6.11% | [↗](https://virginmoney.com.au/home-loans) |
| **6.09%** | [Apollo](/lender/apollo) | Apollo Max Bundle (With Offset) | variable | owner-occupied | P&I | 50.01–60% | 6.35% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.09%** | [Summerland Bank](/lender/summerland-bank) | ECO Home Loan | variable | owner-occupied | P&I | — | 6.15% | [↗](https://www.summerland.com.au/loans-interest) |
| **6.09%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (With Offset) | variable | owner-occupied | P&I | 60.01–70% | 6.35% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.09%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | owner-occupied | P&I | 60.01–70% | 6.11% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.09%** | [Apollo](/lender/apollo) | Apollo Max Bundle (Without Offset) | variable | owner-occupied | P&I | 50.01–60% | 6.11% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.09%** | [Border Bank](/lender/border-bank) | First Home Loan | variable | owner-occupied | P&I | 80–98% | 6.16% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.09%** | [Police Bank](/lender/police-bank) | First Home Loan | variable | owner-occupied | P&I | 80–98% | 6.16% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.09%** | [gmcu](/lender/gmcu) | Standard Variable Plus | variable | owner-occupied | P&I | 0–60% | 6.25% | [↗](https://www.gmcu.com.au/help/interest-rates/loan-rates/) |
| **6.10%** | Family First | Standard Variable Rate Home Loan - Investment | variable | investment | P&I | 0–95% | 6.18% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **6.10%** | [SWSbank](/lender/swsbank) | Optimum 3 Year Fixed Rate Home Loan | variable | owner-occupied | P&I | — | — | [↗](https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/) |
| **6.10%** | [SWSbank](/lender/swsbank) | Optimum 2 Year Fixed Rate Home Loan | variable | owner-occupied | P&I | — | — | [↗](https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/) |
| **6.10%** | [SWSbank](/lender/swsbank) | Optimum 1 Year Fixed Rate Home Loan | variable | owner-occupied | P&I | — | — | [↗](https://www.swsbank.com.au/loans/owner-occupied-home-loans/optimum-1-year-fixed-rate-home-loan/) |
| **6.10%** | [SWSbank](/lender/swsbank) | Intro Discounted Standard Variable Home Loan | variable | owner-occupied | P&I | — | — | [↗](https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/) |
| **6.10%** | [SWSbank](/lender/swsbank) | Standard Variable Rate Home Loan | variable | owner-occupied | P&I | — | 6.10% | [↗](https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/) |
| **6.10%** | [Gateway Bank](/lender/gateway-bank) | Green Plus Home Loan | variable | owner-occupied | P&I | 0–80% | 6.38% | [↗](https://www.gatewaybank.com.au/home-buying/green-home-loans/green-plus-home-loan/) |
| **6.10%** | [SWSbank](/lender/swsbank) | Intro Discounted Standard Variable Home Loan | variable | owner-occupied | P&I | — | — |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | variable | investment | P&I | 80.01–95% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | variable | investment | P&I | 0–60% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | variable | investment | P&I | 60.01–80% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | investment | P&I | 80.01–95% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | investment | P&I | 0–60% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | investment | P&I | 60.01–80% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | variable | investment | P&I | 80.01–95% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | variable | investment | P&I | 0–60% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | variable | investment | P&I | 60.01–80% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | investment | P&I | 80.01–95% | 6.48% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | investment | P&I | 0–60% | 6.48% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | investment | P&I | 60.01–80% | 6.48% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.13%** | [Bank of China](/lender/bank-of-china) | Discount Plus Investment Home Loan (with Principal and Interest Repayment) | variable | investment | P&I | 0–80% | 6.51% | [↗](https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html) |
| **6.13%** | [Bank of China](/lender/bank-of-china) | Discount Investment Home Loan (With Principal and Interest Repayment) | variable | investment | P&I | 0–80% | 6.33% | [↗](https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html) |
| **6.13%** | [Suncorp Bank](/lender/suncorp-bank) | Back to Basics Variable Rate Better Together Special Offer | variable | owner-occupied | P&I | 70.1–80% | 6.14% | [↗](https://www.suncorpbank.com.au/home-loans/basics.html) |
| **6.13%** | [Suncorp Bank](/lender/suncorp-bank) | Standard Variable Rate - Home Package Plus Special Offers | variable | owner-occupied | P&I | 60.1–70% | 6.48% | [↗](https://www.suncorpbank.com.au/home-loans/variable.html) |
| **6.13%** | [Suncorp Bank](/lender/suncorp-bank) | Standard Variable Rate - Home Package Plus Special Offers | variable | owner-occupied | P&I | 1–60% | 6.48% | [↗](https://www.suncorpbank.com.au/home-loans/variable.html) |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | variable | owner-occupied | P&I | 80.01–98% | 6.48% |  |
| **6.13%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | variable | owner-occupied | P&I | 80.01–98% | 6.48% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.13%** | [Bank Australia](/lender/bank-australia) | Clean Energy Home Loan | variable | owner-occupied | P&I | — | 6.46% | [↗](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) |
| **6.13%** | [Zeus](/lender/zeus) | Zeus Bolt | variable | owner-occupied | P&I | 70.01–80% | 6.37% | [↗](https://content.zeus.lmglending.com.au/Zeus_Bolt_Rate_Card.pdf) |
| **6.13%** | [Zeus](/lender/zeus) | Zeus Own | variable | owner-occupied | P&I | 70.01–80% | 6.46% | [↗](https://content.zeus.lmglending.com.au/hubfs/Zeus/Zeus_Own_Variable_Product_Sheet.pdf) |
| **6.13%** | [Zeus](/lender/zeus) | Zeus Own | variable | owner-occupied | P&I | 70.01–80% | 6.46% | [↗](https://content.zeus.lmglending.com.au/hubfs/Zeus/Zeus_Own_Variable_Product_Sheet.pdf) |
| **6.13%** | [Zeus](/lender/zeus) | Zeus Bolt | variable | owner-occupied | P&I | 70.01–80% | 6.37% | [↗](https://content.zeus.lmglending.com.au/Zeus_Bolt_Rate_Card.pdf) |
| **6.13%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Essentials | variable | owner-occupied | P&I | 0–70% | 6.13% | [↗](https://homestarfinance.com.au/star-essentials-home-loan/) |
| **6.14%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.14% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.14%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 3y | owner-occupied | P&I | 60–90% | 6.18% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | fixed 1y | owner-occupied | P&I | 80.01–95% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | fixed 1y | owner-occupied | P&I | 0–60% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | fixed 1y | owner-occupied | P&I | 60.01–80% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | fixed 1y | owner-occupied | P&I | 80.01–95% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | fixed 1y | owner-occupied | P&I | 0–60% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | fixed 1y | owner-occupied | P&I | 60.01–80% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | fixed 1y | owner-occupied | P&I | 80.01–95% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | fixed 1y | owner-occupied | P&I | 0–60% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | fixed 1y | owner-occupied | P&I | 60.01–80% | 6.30% |  |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | fixed 1y | owner-occupied | P&I | 80.01–95% | 6.30% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | fixed 1y | owner-occupied | P&I | 0–60% | 6.30% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.14%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | fixed 1y | owner-occupied | P&I | 60.01–80% | 6.30% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.14%** | [Horizon Bank](/lender/horizon-bank) | 1 Year Fixed Home Loan | fixed 1y | owner-occupied | P&I | 0.01–70% | 6.78% | [↗](https://horizonbank.com.au/loans/owner-occupied-loans/fixed-rate-home-loan#Text-73c61-Interest_Rates) |
| **6.14%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.32% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.14%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 3y | owner-occupied | P&I | 60–90% | 6.36% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.14%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | variable | investment | P&I | 0–60% | 6.21% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.14%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | variable | investment | P&I | 0–60% | 6.21% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.14%** | [MoveBank](/lender/movebank) | Everyday Home Loan | variable | investment | P&I | — | — |  |
| **6.14%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Freedom Home Loan 60 | variable | investment | P&I | — | 6.18% |  |
| **6.14%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Freedom Home Loan 60 | variable | investment | P&I | — | 6.18% |  |
| **6.14%** | [Regional Australia Bank](/lender/regional-australia-bank) | Regional Australia Bank Home Loan (Non Offset) | variable | owner-occupied | P&I | 0–60% | 6.17% | [↗](https://www.regionalaustraliabank.com.au/home-loans/regional-australia-bank-home-loan) |
| **6.14%** | [First Option Bank](/lender/first-option-bank) | COMPLETE PACKAGE HOME LOAN | variable | owner-occupied | P&I | 0–60% | 6.49% | [↗](https://firstoptionbank.com.au/lending-rates/) |
| **6.14%** | [IMB Bank](/lender/imb-bank) | Essentials Home Loan | variable | owner-occupied | P&I | 71–80% | 6.25% | [↗](https://www.imb.com.au/help-centre/rates-and-fees) |
| **6.14%** | [Bendigo Bank](/lender/bendigo-bank) | Bendigo Express Home Loan | variable | owner-occupied | P&I | — | 6.27% | [↗](https://www.bendigobank.com.au/personal/home-loans/express-home-loan/) |
| **6.14%** | [Credit Union SA](/lender/credit-union-sa) | Variable Home Loan Package Specials | variable | owner-occupied | P&I | — | 6.51% | [↗](https://www.creditunionsa.com.au/loans/home-loans/home-loan-package) |
| **6.14%** | [Credit Union SA](/lender/credit-union-sa) | 40 Year Home Loan Package | variable | owner-occupied | P&I | — | 6.51% | [↗](https://www.creditunionsa.com.au/xl-hl) |
| **6.14%** | [TMCU](/lender/tmcu) | REFI SPECIAL OWNER OCCUPIED | variable | owner-occupied | P&I | — | 6.24% | [↗](https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/) |
| **6.14%** | [TMCU](/lender/tmcu) | 2 FIXED RATE HOME LOAN | variable | owner-occupied | P&I | — | — | [↗](https://www.transportmutual.com.au/loans/home-loans/fixed-home-loan/) |
| **6.14%** | [TMCU](/lender/tmcu) | 1 YEAR FIXED RATE LOAN | variable | owner-occupied | P&I | — | — | [↗](https://www.transportmutual.com.au/loans/home-loans/fixed-home-loan/) |
| **6.14%** | [Police Credit Union Ltd](/lender/police-credit-union-ltd) | Low Rate Home Loan Special Offer - Owner Occupied | variable | owner-occupied | P&I | 0–80% | 6.18% | [↗](https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf) |
| **6.14%** | [Police Credit Union Ltd](/lender/police-credit-union-ltd) | Low Rate Home Loan - First Home Buyer | variable | owner-occupied | P&I | 0–80% | 6.18% | [↗](https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf) |
| **6.14%** | Unloan | Unloan Home Loan | variable | owner-occupied | P&I | 0–80% | 6.05% | [↗](https://www.unloan.com.au) |
| **6.14%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Executive Home Loan 60 | variable | owner-occupied | P&I | — | 6.18% |  |
| **6.14%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Executive Home Loan 60 (with offset) | variable | owner-occupied | P&I | — | 6.54% |  |
| **6.14%** | [Apollo](/lender/apollo) | Apollo Max Bundle (With Offset) | variable | owner-occupied | P&I | 60.01–70% | 6.40% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.14%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Flex Bundle | variable | owner-occupied | P&I | 0–50% | 6.14% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.14%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Saver | variable | owner-occupied | P&I | 0–50% | 6.14% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.14%** | [Horizon Bank](/lender/horizon-bank) | First Home Buyer Loan | variable | owner-occupied | P&I | 70.01–90% | 6.15% | [↗](https://horizonbank.com.au/help/rates-fees/interest-rates#Text-922a3-Home_Loans) |
| **6.14%** | [Summerland Bank](/lender/summerland-bank) | Basic Variable Home Loan | variable | owner-occupied | P&I | — | 6.20% | [↗](https://www.summerland.com.au/loans-interest) |
| **6.14%** | [Gateway Bank](/lender/gateway-bank) | Low Rate Essentials | variable | owner-occupied | P&I | 0–50% | 6.16% | [↗](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/) |
| **6.14%** | [Gateway Bank](/lender/gateway-bank) | Low Rate Essentials | variable | owner-occupied | P&I | 50–60% | 6.16% | [↗](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/) |
| **6.14%** | Fire Service Credit Union | L25 Firefighter Package | variable | owner-occupied | P&I | 0–60% | 6.41% | [↗](https://www.fscu.com.au/home-loans/) |
| **6.14%** | [Coastline Bank](/lender/coastline-bank) | First Home Buyer Loan | variable | owner-occupied | P&I | 0–60% | 6.14% | [↗](https://www.coastline.com.au/personal/first-home-buyers) |
| **6.14%** | [Coastline Bank](/lender/coastline-bank) | First Home Buyer Loan | variable | owner-occupied | P&I | 60.01–80% | 6.14% | [↗](https://www.coastline.com.au/personal/first-home-buyers) |
| **6.14%** | [Coastline Bank](/lender/coastline-bank) | First Home Buyer Loan | variable | owner-occupied | P&I | 80.01–∞% | 6.14% | [↗](https://www.coastline.com.au/personal/first-home-buyers) |
| **6.14%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (With Offset) | variable | owner-occupied | P&I | 70.01–80% | 6.40% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.14%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | owner-occupied | P&I | 70.01–80% | 6.16% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.14%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime (With Offset) | variable | owner-occupied | P&I | 0–50% | 6.40% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.14%** | [Apollo](/lender/apollo) | Apollo Max Bundle (Without Offset) | variable | owner-occupied | P&I | 60.01–70% | 6.16% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.14%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime (Without Offset) | variable | owner-occupied | P&I | 0–50% | 6.16% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.15%** | [CommFCU](/lender/commfcu) | Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest) | variable | owner-occupied | P&I | — | 6.20% | [↗](https://communityfirst.com.au/tools/rates-and-fees) |
| **6.15%** | [Unity Bank](/lender/unity-bank) | Vic Homebuyer Fund | variable | owner-occupied | P&I | — | 6.18% |  |
| **6.15%** | [Unity Bank](/lender/unity-bank) | First Home Buyer Loan - Owner Occupied - SO | variable | owner-occupied | P&I | — | 6.20% | [↗](https://www.unity.bank/help/rates-fees/) |
| **6.15%** | [Unity Bank](/lender/unity-bank) | Australian Government 5% Deposit Scheme | variable | owner-occupied | P&I | — | 6.20% | [↗](https://www.unity.bank/home-loans/buy-or-refinance/first-home-buyer-loan/) |
| **6.17%** | [The Mac](/lender/the-mac) | FIRST HOME BUYERS OWNER OCCUPIED P&I | variable | owner-occupied | P&I | — | 5.98% | [↗](https://themaccu.com.au/solutions/home-loans/all-home-loans/) |
| **6.18%** | [Suncorp Bank](/lender/suncorp-bank) | Back to Basics Variable Rate Better Together Special Offer | variable | investment | P&I | 1–60% | 6.19% | [↗](https://www.suncorpbank.com.au/home-loans/basics.html) |
| **6.18%** | [Suncorp Bank](/lender/suncorp-bank) | Standard Variable Rate - Home Package Plus Special Offers | variable | owner-occupied | P&I | 70.1–80% | 6.53% | [↗](https://www.suncorpbank.com.au/home-loans/variable.html) |
| **6.18%** | [BankVic](/lender/bankvic) | Special Police Variable Home Loan Rate | variable | owner-occupied | P&I | 0–90% | 6.18% | [↗](https://www.bankvic.com.au/home-buying/upgrade-refinance) |
| **6.18%** | [Bank of China](/lender/bank-of-china) | Discount Plus Home Loan (with Principal and Interest Repayment) | variable | owner-occupied | P&I | 0–80% | 6.56% | [↗](https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html) |
| **6.18%** | [Bank of China](/lender/bank-of-china) | Discount Home Loan (With Principal and Interest Repayment) | variable | owner-occupied | P&I | 0–80% | 6.38% | [↗](https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html) |
| **6.18%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Classic | variable | owner-occupied | P&I | 70.01–80% | 6.18% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.18%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Classic | variable | owner-occupied | P&I | 70.01–80% | 6.18% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.18%** | [AAA FINANCIAL CORPORATION](/lender/aaa-financial-corporation) | Standard Home Loan | variable | owner-occupied | P&I | 70.01–80% | 6.18% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.19%** | Family First | Fixed Rate Home Loan - Investment | fixed 2y | investment | P&I | 0–95% | 6.99% | [↗](https://familyfirst.com.au/loans/home-and-investment-loans/) |
| **6.19%** | [BankVic](/lender/bankvic) | Investor Fixed 2 Years | fixed 2y | investment | P&I | — | 6.53% | [↗](https://www.bankvic.com.au/home-buying/investor) |
| **6.19%** | [Police Credit Union Ltd](/lender/police-credit-union-ltd) | 1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied | fixed 1y | owner-occupied | P&I | 0–80% | 7.20% | [↗](https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf) |
| **6.19%** | [Police Credit Union Ltd](/lender/police-credit-union-ltd) | 3 Year Fixed Rate Home Loan 95% LVR - First Home Buyer | fixed 3y | owner-occupied | P&I | 0–95% | 7.00% | [↗](https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf) |
| **6.19%** | [Police Credit Union Ltd](/lender/police-credit-union-ltd) | 2 Year Fixed Rate Home Loan 95% LVR - First Home Buyer | fixed 2y | owner-occupied | P&I | 0–95% | 7.07% | [↗](https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf) |
| **6.19%** | [gmcu](/lender/gmcu) | Fixed Rate Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.27% | [↗](https://www.gmcu.com.au/loans/home-loans/view-all-home-loans/) |
| **6.19%** | [gmcu](/lender/gmcu) | Fixed Rate Home Loan | fixed 2y | owner-occupied | P&I | 60–80% | 6.35% | [↗](https://www.gmcu.com.au/loans/home-loans/view-all-home-loans/) |
| **6.19%** | [gmcu](/lender/gmcu) | Fixed Rate Home Loan | fixed 2y | owner-occupied | P&I | 80–95% | 6.67% | [↗](https://www.gmcu.com.au/loans/home-loans/view-all-home-loans/) |
| **6.19%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.30% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.19%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 60–80% | 6.34% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.19%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 0–60% | 6.30% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.19%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | fixed 3y | owner-occupied | P&I | 60–80% | 6.34% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | investment | P&I | 0–60% | 6.24% | [↗](https://mystate.com.au/home-loans/basic-variable-home-loan/) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | investment | P&I | 61–70% | 6.24% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | investment | P&I | 0–60% | 6.24% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | investment | P&I | 61–70% | 6.24% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | variable | investment | P&I | 60–80% | 6.26% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.19%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | variable | investment | P&I | 0–60% | 6.26% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.19%** | [Border Bank](/lender/border-bank) | Goldrate Home Loan | variable | investment | P&I | 0–60% | 6.26% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.19%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | variable | investment | P&I | 60–80% | 6.26% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Saver | variable | investment | P&I | 0–50% | 6.19% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | investment | P&I | 61–70% | 6.24% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | investment | P&I | 61–70% | 6.24% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime (With Offset) | variable | investment | P&I | 0–50% | 6.45% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime (Without Offset) | variable | investment | P&I | 0–50% | 6.21% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [Regional Australia Bank](/lender/regional-australia-bank) | Regional Australia Bank Home Loan (Non Offset) | variable | owner-occupied | P&I | 60–70% | 6.22% | [↗](https://www.regionalaustraliabank.com.au/home-loans/regional-australia-bank-home-loan) |
| **6.19%** | [First Option Bank](/lender/first-option-bank) | COMPLETE PACKAGE HOME LOAN | variable | owner-occupied | P&I | 60–70% | 6.54% | [↗](https://firstoptionbank.com.au/lending-rates/) |
| **6.19%** | [First Option Bank](/lender/first-option-bank) | SIMPLE HOME LOAN | variable | owner-occupied | P&I | 70–95% | 6.19% | [↗](https://firstoptionbank.com.au/lending-rates/) |
| **6.19%** | [Teachers Mutual Bank](/lender/teachers-mutual-bank) | Your Way Plus Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.49% | [↗](https://www.tmbank.com.au/home-loans/your-way-plus-home-loan) |
| **6.19%** | [Teachers Mutual Bank](/lender/teachers-mutual-bank) | Your Way Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.25% | [↗](https://www.tmbank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [Teachers Mutual Bank](/lender/teachers-mutual-bank) | Your Way Home Loan | variable | owner-occupied | P&I | — | 6.25% | [↗](https://www.tmbank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [IMB Bank](/lender/imb-bank) | Budget Home Loan | variable | owner-occupied | P&I | 1–70% | 6.22% | [↗](https://www.imb.com.au/help-centre/rates-and-fees) |
| **6.19%** | [Australian Military Bank](/lender/australian-military-bank) | DHOAS Rate Saver Home Loan | variable | owner-occupied | P&I | 71–80% | 6.22% | [↗](https://www.australianmilitarybank.com.au/dhoas-home-loans/dhoas-ratesaver-home-loan) |
| **6.19%** | [MoveBank](/lender/movebank) | Offset Home Loan | variable | owner-occupied | P&I | — | — |  |
| **6.19%** | [MoveBank](/lender/movebank) | Everyday Home Loan | variable | owner-occupied | P&I | — | — |  |
| **6.19%** | [Health Professionals Bank](/lender/health-professionals-bank) | Your Way Plus Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.49% | [↗](https://www.hpbank.com.au/home-loans/your-way-plus-home-loan) |
| **6.19%** | [Health Professionals Bank](/lender/health-professionals-bank) | Your Way Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.25% | [↗](https://www.hpbank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [Health Professionals Bank](/lender/health-professionals-bank) | Your Way Home Loan | variable | owner-occupied | P&I | — | 6.25% | [↗](https://www.hpbank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [UniBank](/lender/unibank) | Your Way Plus Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.49% | [↗](https://www.unibank.com.au/home-loans/your-way-plus-home-loan) |
| **6.19%** | [UniBank](/lender/unibank) | Your Way Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.25% | [↗](https://www.unibank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [UniBank](/lender/unibank) | Your Way Home Loan | variable | owner-occupied | P&I | — | 6.25% | [↗](https://www.unibank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [gmcu](/lender/gmcu) | Standard Variable Plus | variable | owner-occupied | P&I | 0–80% | 6.35% | [↗](https://www.gmcu.com.au/help/interest-rates/loan-rates/) |
| **6.19%** | [Firefighters Mutual Bank](/lender/firefighters-mutual-bank) | Your Way Plus Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.49% | [↗](https://www.fmbank.com.au/home-loans/your-way-plus-home-loan) |
| **6.19%** | [Firefighters Mutual Bank](/lender/firefighters-mutual-bank) | Your Way Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.25% | [↗](https://www.fmbank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [Firefighters Mutual Bank](/lender/firefighters-mutual-bank) | Your Way Home Loan | variable | owner-occupied | P&I | — | 6.25% | [↗](https://www.fmbank.com.au/home-loans/your-way-home-loan) |
| **6.19%** | [Woolworths Team Bank](/lender/woolworths-team-bank) | Team Member Home Loan - No Offset | variable | owner-occupied | P&I | 50–80% | 6.28% | [↗](https://woolworthsteambank.com.au/our-interest-rates/) |
| **6.19%** | [Australian Mutual Bank LTD](/lender/australian-mutual-bank-ltd) | Your Way Plus Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.49% | [↗](https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/) |
| **6.19%** | [Australian Mutual Bank LTD](/lender/australian-mutual-bank-ltd) | Your Way Home Loan | variable | owner-occupied | P&I | 0.1–60% | 6.25% | [↗](https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/) |
| **6.19%** | [Australian Mutual Bank LTD](/lender/australian-mutual-bank-ltd) | Your Way Home Loan | variable | owner-occupied | P&I | — | 6.25% | [↗](https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/) |
| **6.19%** | [Newcastle Permanent](/lender/newcastle-permanent) | Real Deal Home Loan Principal and Interest | variable | owner-occupied | P&I | 0–80% | 6.23% | [↗](https://www.newcastlepermanent.com.au/tools-and-services/interest-rates/) |
| **6.19%** | [NRMA Home Loans](/lender/nrma-home-loans) | NRMA Offset Home Loan | variable | owner-occupied | P&I | 0–50% | 6.39% | [↗](https://www.nrma.com.au/home-loans) |
| **6.19%** | [NRMA Home Loans](/lender/nrma-home-loans) | NRMA Offset Home Loan | variable | owner-occupied | P&I | 50.01–60% | 6.39% | [↗](https://www.nrma.com.au/home-loans) |
| **6.19%** | [NRMA Home Loans](/lender/nrma-home-loans) | NRMA Basic Home Loan | variable | owner-occupied | P&I | 0–50% | 6.23% | [↗](https://www.nrma.com.au/home-loans) |
| **6.19%** | [NRMA Home Loans](/lender/nrma-home-loans) | NRMA Basic Home Loan | variable | owner-occupied | P&I | 50.01–60% | 6.23% | [↗](https://www.nrma.com.au/home-loans) |
| **6.19%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Executive Home Loan 80 | variable | owner-occupied | P&I | — | 6.23% |  |
| **6.19%** | [Apollo](/lender/apollo) | Apollo Max (With Offset) | variable | owner-occupied | P&I | 0–50% | 6.45% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.19%** | [Apollo](/lender/apollo) | Apollo Max Bundle (With Offset) | variable | owner-occupied | P&I | 70.01–80% | 6.45% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Flex Bundle | variable | owner-occupied | P&I | 50.01–60% | 6.17% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Saver | variable | owner-occupied | P&I | 50.01–60% | 6.17% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [loans.com.au](/lender/loans-com-au) | Bare Home Loan | variable | owner-occupied | P&I | 0–90% | 6.23% | [↗](https://www.loans.com.au/home-loans/) |
| **6.19%** | [Gateway Bank](/lender/gateway-bank) | Allium Money Essentials | variable | owner-occupied | P&I | 0–80% | 6.19% | [↗](https://www.gatewaybank.com.au/important-information/target-market-determination/) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | owner-occupied | P&I | 71–80% | 6.22% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | owner-occupied | P&I | 71–80% | 6.24% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.19%** | [Apollo](/lender/apollo) | Apollo Max Bundle (Without Offset) | variable | owner-occupied | P&I | 70.01–80% | 6.21% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime (With Offset) | variable | owner-occupied | P&I | 50.01–60% | 6.45% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [Mortgage Choice Freedom](/lender/mortgage-choice-freedom) | Mortgage Choice Freedom Prime (Without Offset) | variable | owner-occupied | P&I | 50.01–60% | 6.21% | [↗](https://mortgagechoice.athena.com.au/product-factsheet-broker) |
| **6.19%** | [Apollo](/lender/apollo) | Apollo Max (Without Offset) | variable | owner-occupied | P&I | 0–50% | 6.21% | [↗](https://lmg.athena.com.au/customer-brochure) |
| **6.19%** | [Mortgage House](/lender/mortgage-house) | Chameleon - Freedom Home Loan 80 | variable | owner-occupied | P&I | — | 6.23% |  |
| **6.19%** | [Gateway Bank](/lender/gateway-bank) | Low Rate Essentials | variable | owner-occupied | P&I | 60–70% | 6.21% | [↗](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/) |
| **6.19%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | variable | owner-occupied | P&I | 0–60% | 6.26% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.19%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | variable | owner-occupied | P&I | 0–60% | 6.26% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.19%** | [gmcu](/lender/gmcu) | Standard Variable Plus | variable | owner-occupied | P&I | 60–80% | 6.35% | [↗](https://www.gmcu.com.au/help/interest-rates/loan-rates/) |
| **6.20%** | [Up](/lender/up) | Up Home Loan | variable | owner-occupied | P&I | — | 6.20% | [↗](https://up.com.au/pricing/) |
| **6.20%** | [Tiimely Home](/lender/tiimely-home) | Tiimely Basic Home Loan | variable | owner-occupied | P&I | 0–50% | 6.21% | [↗](https://www.bendigobank.com.au/partner/tiimely-home/features/) |
| **6.20%** | [Tiimely Home](/lender/tiimely-home) | Tiimely Basic Home Loan | variable | owner-occupied | P&I | 50.01–60% | 6.21% | [↗](https://www.bendigobank.com.au/partner/tiimely-home/features/) |
| **6.20%** | [Tiimely Home](/lender/tiimely-home) | Tiimely Offset Home Loan | variable | owner-occupied | P&I | 0–50% | 6.37% | [↗](https://www.bendigobank.com.au/partner/tiimely-home/features/) |
| **6.20%** | [Tiimely Home](/lender/tiimely-home) | Tiimely Offset Home Loan | variable | owner-occupied | P&I | 50.01–60% | 6.37% | [↗](https://www.bendigobank.com.au/partner/tiimely-home/features/) |
| **6.22%** | [Suncorp Bank](/lender/suncorp-bank) | Back to Basics Variable Rate Better Together Special Offer | variable | investment | P&I | 60.1–70% | 6.23% | [↗](https://www.suncorpbank.com.au/home-loans/basics.html) |
| **6.23%** | [Suncorp Bank](/lender/suncorp-bank) | Back to Basics Variable Rate Better Together Special Offer | variable | investment | P&I | 70.1–80% | 6.24% | [↗](https://www.suncorpbank.com.au/home-loans/basics.html) |
| **6.23%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Nova | variable | investment | P&I | 0–70% | 6.26% | [↗](https://homestarfinance.com.au/star-nova-refinance-home-loan/) |
| **6.23%** | [Bank Australia](/lender/bank-australia) | Clean Energy Home Loan | variable | owner-occupied | P&I | — | 6.50% | [↗](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) |
| **6.23%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Essentials | variable | owner-occupied | P&I | 70.01–80% | 6.23% | [↗](https://homestarfinance.com.au/star-essentials-home-loan/) |
| **6.23%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Nova | variable | owner-occupied | P&I | 0–70% | 6.23% | [↗](https://homestarfinance.com.au/star-nova-refinance-home-loan/) |
| **6.23%** | [Homestar Finance Pty Ltd](/lender/homestar-finance-pty-ltd) | Star Classic | variable | owner-occupied | P&I | 0–70% | 6.23% | [↗](https://homestarfinance.com.au/star-classic-home-loan/) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | investment | P&I | 0–60% | 6.42% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | investment | P&I | 60–80% | 6.46% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | investment | P&I | 0–60% | 6.42% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | investment | P&I | 60–80% | 6.46% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.04% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.07% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 1y | owner-occupied | P&I | 60–90% | 6.09% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 2y | owner-occupied | P&I | 60–90% | 6.11% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 90–95% | 6.39% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 0–90% | 6.39% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | First Home Loan | fixed 1y | owner-occupied | P&I | 80–98% | 5.95% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | First Home Loan | fixed 2y | owner-occupied | P&I | 80–98% | 5.99% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.13% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.15% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 1y | owner-occupied | P&I | 60–90% | 6.18% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 2y | owner-occupied | P&I | 60–90% | 6.19% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 3y | owner-occupied | P&I | 90–95% | 6.39% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | First Home Loan | fixed 1y | owner-occupied | P&I | 80–98% | 5.95% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | First Home Loan | fixed 2y | owner-occupied | P&I | 80–98% | 5.99% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.04% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.07% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 1y | owner-occupied | P&I | 60–90% | 6.09% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 2y | owner-occupied | P&I | 60–90% | 6.11% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 90–95% | 6.39% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 0–90% | 6.39% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Suncorp Bank](/lender/suncorp-bank) | 1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers | fixed 2y | owner-occupied | P&I | 1–80% | 6.54% | [↗](https://www.suncorpbank.com.au/home-loans/home-loan-experts.html) |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | fixed 2y | owner-occupied | P&I | 80.01–95% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | fixed 2y | owner-occupied | P&I | 0–60% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | EMONEY HOME LOAN | fixed 2y | owner-occupied | P&I | 60.01–80% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | fixed 2y | owner-occupied | P&I | 80.01–95% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | fixed 2y | owner-occupied | P&I | 0–60% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | LJH 5STAR HOME LOAN | fixed 2y | owner-occupied | P&I | 60.01–80% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | fixed 2y | owner-occupied | P&I | 80.01–95% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | fixed 2y | owner-occupied | P&I | 0–60% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | BROKER HOME LOAN | fixed 2y | owner-occupied | P&I | 60.01–80% | 6.34% |  |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | fixed 2y | owner-occupied | P&I | 80.01–95% | 6.34% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | fixed 2y | owner-occupied | P&I | 0–60% | 6.34% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.24%** | [Southern Cross Credit Union](/lender/southern-cross-credit-union) | PREMIUM HOME LOAN | fixed 2y | owner-occupied | P&I | 60.01–80% | 6.34% | [↗](https://www.sccu.com.au/home-loans/) |
| **6.24%** | [Credit Union SA](/lender/credit-union-sa) | 3-Year Fixed Home Loan Package Principal and Interest | fixed 3y | owner-occupied | P&I | — | 6.82% | [↗](https://www.creditunionsa.com.au/loans/home-loans/fixed-rate-home-loans) |
| **6.24%** | [MoveBank](/lender/movebank) | Everyday Home Loan | fixed 3y | owner-occupied | P&I | — | — |  |
| **6.24%** | [The Capricornian](/lender/the-capricornian) | Premium Choice Home Loan | fixed 1y | owner-occupied | P&I | 0–80% | 7.00% | [↗](https://www.capricornian.com.au/home-loan-rates/) |
| **6.24%** | [TMCU](/lender/tmcu) | 1 YEAR FIXED RATE LOAN | fixed 1y | owner-occupied | P&I | — | 6.56% | [↗](https://www.transportmutual.com.au/loans/home-loans/fixed-home-loan/) |
| **6.24%** | [Horizon Bank](/lender/horizon-bank) | 2 Year Fixed Home Loan | fixed 2y | owner-occupied | P&I | 0.01–70% | 6.74% | [↗](https://horizonbank.com.au/loans/owner-occupied-loans/fixed-rate-home-loan#Text-73c61-Interest_Rates) |
| **6.24%** | [gmcu](/lender/gmcu) | Fixed Rate Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.26% | [↗](https://www.gmcu.com.au/loans/home-loans/view-all-home-loans/) |
| **6.24%** | [gmcu](/lender/gmcu) | Fixed Rate Home Loan | fixed 1y | owner-occupied | P&I | 60–80% | 6.35% | [↗](https://www.gmcu.com.au/loans/home-loans/view-all-home-loans/) |
| **6.24%** | [gmcu](/lender/gmcu) | Fixed Rate Home Loan | fixed 1y | owner-occupied | P&I | 80–95% | 6.71% | [↗](https://www.gmcu.com.au/loans/home-loans/view-all-home-loans/) |
| **6.24%** | [Credit Union SA](/lender/credit-union-sa) | 3-Year Fixed 40 Year Home Loan Package | fixed 3y | owner-occupied | P&I | 1–80% | 7.30% | [↗](https://www.creditunionsa.com.au/xl-hl) |
| **6.24%** | [Border Bank](/lender/border-bank) | First Home Loan | fixed 1y | owner-occupied | P&I | 80–98% | 6.18% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | First Home Loan | fixed 2y | owner-occupied | P&I | 80–98% | 6.19% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | First Home Loan | fixed 1y | owner-occupied | P&I | 80–98% | 6.18% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | First Home Loan | fixed 2y | owner-occupied | P&I | 80–98% | 6.19% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.27% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.27% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 1y | owner-occupied | P&I | 60–90% | 6.31% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 2y | owner-occupied | P&I | 60–90% | 6.31% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 90–95% | 6.56% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.27% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.27% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 1y | owner-occupied | P&I | 60–90% | 6.31% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 2y | owner-occupied | P&I | 60–90% | 6.31% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Police Value Home Loan | fixed 3y | owner-occupied | P&I | 0–90% | 6.56% | [↗](https://www.policebank.com.au/interest-rates/#) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 90–95% | 6.56% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Border Bank](/lender/border-bank) | Customs Value Home Loan | fixed 3y | owner-occupied | P&I | 0–90% | 6.56% | [↗](https://www.borderbank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 1y | owner-occupied | P&I | 0–60% | 6.36% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 2y | owner-occupied | P&I | 0–60% | 6.35% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 1y | owner-occupied | P&I | 60–90% | 6.40% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 2y | owner-occupied | P&I | 60–90% | 6.39% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Police Bank](/lender/police-bank) | Essential Workers Home Loan | fixed 3y | owner-occupied | P&I | 90–95% | 6.56% | [↗](https://www.policebank.com.au/home-loan-interest-rates) |
| **6.24%** | [Credit Union SA](/lender/credit-union-sa) | 3-Year Fixed 40 Year Home Loan Package | fixed 3y | owner-occupied | P&I | 1–80% | 7.30% | [↗](https://www.creditunionsa.com.au/loans/home-loans/40-year-home-loan) |
| **6.24%** | [MyState Bank](/lender/mystate-bank) | Basic Variable Loan | variable | investment | P&I | 71–80% | 6.29% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.24%** | [MyState Bank](/lender/mystate-bank) | Special Residential Variable Loan | variable | investment | P&I | 71–80% | 6.29% | [↗](https://mystate.com.au/wp-content/uploads/rates_lending.pdf) |
| **6.24%** | [Northern Inland Credit Union Limited](/lender/northern-inland-credit-union-limited) | Dream Home Loan New Borrowing INV | variable | investment | P&I | — | 6.58% | [↗](https://www.nicu.com.au/home-loans/dream-home-loan) |
| **6.24%** | [Police Bank](/lender/police-bank) | Goldrate Home Loan | variable | investment | P&I | 60–80% | 6.31% | [↗](https://www.policebank.com.au/interest-rates/#) |

## How to read these rows

"Comparison" is the regulated comparison rate the lender publishes beside the
    advertised rate, with fees folded in. On a phone it is the figure "with fees". P&I is
    principal and interest. An LVR band of — means the lender stated none. A rate
    marked ? is below anything a home loan is actually priced at. Some
    lenders publish fees or rate loadings inside the rate fields. This page shows the rates as
    published rather than silently tidying them. The comparison never uses those rows.

Looking for one lender rather than the whole list?
      [Every lender that publishes rates](/lenders) has a page of its own.

Or one kind of loan: [fixed](/data/rates?type=FIXED) · [variable](/data/rates?type=VARIABLE) · [owner-occupier](/data/rates?purpose=OWNER_OCCUPIED) · [investment](/data/rates?purpose=INVESTMENT) · [principal and interest](/data/rates?repay=PRINCIPAL_AND_INTEREST) · [interest only](/data/rates?repay=INTEREST_ONLY).

The other questions

        - [Are you paying more than you need to?](/)
              your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off)
              term, extra repayments, interest only- [Don't have a loan yet?](/buying)
              what to look at before you pick one- [What does each lender advertise?](/lenders)
              every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week)
              which lenders changed an advertised rate

**Free, and not advice.** It knows only what you typed and what lenders advertise, which may differ from what you are offered. A licensed broker does
    this for a living. [Who made this](/about).
    [What this site collects](/privacy).

      **More from the data**

Building something with this? There is
      [an API](/api), and [the data is free](/data).

This morning: [the market](/market),
    [variable rates](/market/variable-rates),
    [fixed rates](/market/fixed-rates) and
    [what moved this week](/market/changes-this-week).

Found in the data: [what lenders charge above 80%](/research/lvr-bands),
    [the rate a fixed loan rolls onto](/research/revert-rates) and
    [what a comparison rate adds](/research/comparison-rates). Also
    [what an offset costs](/research/offset-accounts), and
    [what investors pay on top](/research/investor-premium).