[Skip to the content](#main) [RateGap](/)every home loan rate lenders publish, compared # AAA FINANCIAL CORPORATION home loan rates AAA FINANCIAL CORPORATION's lowest advertised variable rate for a home you live in and pay down is **5.69%**, if you owe up to 90% of the home’s value. It was read Monday 2 November, and is 0.16 percentage points below the going rate of 5.85% across every lender. Its lowest fixed rate is 6.98%, fixed for one year. Have a loan with AAA FINANCIAL CORPORATION? Compare your rate Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Compare my rate 1,092 advertised rates across 18 products, published by AAA FINANCIAL CORPORATION under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed. ## Where it sits 5.69% AAA FINANCIAL CORPORATION, lowest variable rate if you owe up to 90% 5.85% The going rate 0.16 percentage points below the going rate The going rate is **the lowest rate at least three lenders reach**, so one lender's odd price cannot set it. Both are advertised new-customer rates. A negotiated discount is in neither. [Read your own rate against this](/?lender=96d4fce9-d2ba-f111-81be-000d3a799057). **Lowest variable rate, if you owe up to 90%**: 5.69% **Lowest fixed rate**: 6.98%, one year **Lowest comparison rate**: 6.08% **Rates published**: 1,092, across 18 products **Last rate move**: Saturday 31 October **Last read**: Monday 2 November For a home you live in and pay down. The other loan types are in the tables below. Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value. ## Owner-occupied, principal and interest ### Variable - Portfolio Loan · owe up to 90% · **5.69–11.47%**- Standard Home Loan · owe up to 70% · **6.08–8.54%** (6.08% with fees)- Standard Home Loan · owe 70.01–80% · **6.18–8.64%** (6.18% with fees)- Standard Home Loan · owe 80.01–85% · **6.43%** (6.43% with fees)- Homepay Standard · owe up to 70% · **6.44%**- Homepay Standard · owe 70.01–80% · **6.54%**- Extended Home Loan · owe up to 70% · **6.54–6.94%**- Standard Lender Paid LMI · owe up to 85% · **6.58%** (6.32% with fees)- Homepay Standard · owe 80.01–90% · **6.64%**- Standard Home Loan · owe 80.01–90% · **6.64–8.74%**- Extended Home Loan · owe 70.01–80% · **6.64–7.04%**- Standard Home Loan · owe 85.01–90% · **6.68%** (6.68% with fees)- Homepay Standard · owe 90.01–92% · **6.74%**- High LVR · owe up to 95% · **6.74%**- Standard Home Loan · owe 90.01–95% · **6.74–8.84%**- High LVR · owe up to 100% · **6.74%**- Homepay Plus · owe up to 95% · **6.74%**- Extended Home Loan · owe 80.01–90% · **6.74–7.14%**- Extended Home Loan · owe 90.01–95% · **6.84–7.24%**- Standard Lender Paid LMI · owe up to 90% · **6.95–7.15%**- Standard Lender Paid LMI · owe 85.01–90% · **7.08%** (6.60% with fees)- Standard Home Loan · owe 90.01–95% · **7.08%** (7.08% with fees)- Standard Lender Paid LMI · owe 90.01–95% · **7.45–7.65%**- Homepay Non-Res · owe up to 80% · **7.78%**- Commercial Easy Refinance · owe up to 60% · **8.09–8.29%**- Commercial Easy Refinance · owe 60.01–65% · **8.19–8.39%**- Commercial Easy Refinance · owe 65.01–70% · **8.29–8.49%**- Commercial Easy Refinance · owe 60.01–65% · **8.39%**- Commercial Easy Refinance · owe 70.01–75% · **8.69–8.89%**- Commercial Easy Refinance · owe 75.01–80% · **9.09–9.29%** ### Fixed - Standard Home Loan · one year · owe up to 70% · **6.98–9.84%** (6.53% with fees)- Standard Home Loan · two years · owe up to 70% · **6.98–9.84%** (6.58% with fees)- Standard Home Loan · three years · owe up to 70% · **6.98–9.84%** (6.62% with fees)- Standard Home Loan · one year · owe 70.01–80% · **7.08–9.94%** (6.30% with fees)- Standard Home Loan · two years · owe 70.01–80% · **7.08–9.94%** (6.39% with fees)- Standard Home Loan · three years · owe 70.01–80% · **7.08–9.94%** (6.47% with fees)- Standard Home Loan · one year · owe 80.01–90% · **7.94–10.04%**- Standard Home Loan · two years · owe 80.01–90% · **7.94–10.04%**- Standard Home Loan · three years · owe 80.01–90% · **7.94–10.04%**- Standard Home Loan · one year · owe 90.01–95% · **8.04–10.14%** Showing 40 of 51 rates for this profile, lowest rate first. Every band AAA FINANCIAL CORPORATION prices in appears above. The 11 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). Where a rate is shown as a range, AAA FINANCIAL CORPORATION published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 5.78 percentage points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. [Report it if that looks wrong](#wrong). ## Owner-occupied, interest only 42 rates ### Variable - Portfolio Loan · owe up to 90% · **5.69–11.47%**- Standard Home Loan · owe up to 70% · **6.48–8.74%** (6.48% with fees)- Standard Home Loan · owe 70.01–80% · **6.58–8.84%** (6.58% with fees)- Homepay Standard · owe up to 70% · **6.64%**- Homepay Standard · owe 70.01–80% · **6.74%**- Extended Home Loan · owe up to 70% · **6.74–7.14%**- Homepay Standard · owe 80.01–90% · **6.84%**- Standard Home Loan · owe 80.01–90% · **6.84–8.94%**- Extended Home Loan · owe 70.01–80% · **6.84–7.24%**- Homepay Standard · owe 90.01–92% · **6.94%**- High LVR · owe up to 95% · **6.94%**- Standard Home Loan · owe 90.01–95% · **6.94–9.04%**- High LVR · owe up to 100% · **6.94%**- Homepay Plus · owe up to 95% · **6.94%**- Extended Home Loan · owe 80.01–90% · **6.94–7.34%**- Extended Home Loan · owe 90.01–95% · **7.04–7.44%**- Homepay Non-Res · owe up to 80% · **7.98%**- Commercial Easy Refinance · owe up to 60% · **8.49–8.69%**- Commercial Easy Refinance · owe 60.01–65% · **8.59–8.79%**- Commercial Easy Refinance · owe 65.01–70% · **8.69–8.89%**- Commercial Easy Refinance · owe 70.01–75% · **9.09–9.29%**- Commercial Easy Refinance · owe 75.01–80% · **9.49–9.69%** ### Fixed - Standard Home Loan · one year · owe up to 70% · **7.38–10.04%** (6.60% with fees)- Standard Home Loan · two years · owe up to 70% · **7.38–10.04%** (6.69% with fees)- Standard Home Loan · three years · owe up to 70% · **7.38–10.04%** (6.77% with fees)- Standard Home Loan · one year · owe 70.01–80% · **7.48–10.14%** (6.70% with fees)- Standard Home Loan · two years · owe 70.01–80% · **7.48–10.14%** (6.79% with fees)- Standard Home Loan · three years · owe 70.01–80% · **7.48–10.14%** (6.87% with fees)- Standard Home Loan · four years · owe up to 70% · **7.48–10.04%** (6.88% with fees)- Standard Home Loan · five years · owe up to 70% · **7.48–10.04%** (6.96% with fees)- Standard Home Loan · four years · owe 70.01–80% · **7.58–10.14%** (6.98% with fees)- Standard Home Loan · one year · owe 80.01–90% · **8.14–10.24%**- Standard Home Loan · two years · owe 80.01–90% · **8.14–10.24%**- Standard Home Loan · three years · owe 80.01–90% · **8.14–10.24%**- Standard Home Loan · four years · owe 80.01–90% · **8.14–10.24%**- Standard Home Loan · one year · owe 90.01–95% · **8.24–10.34%**- Standard Home Loan · two years · owe 90.01–95% · **8.24–10.34%** (10.34% with fees)- Standard Home Loan · three years · owe 90.01–95% · **8.24–10.34%**- Standard Home Loan · four years · owe 90.01–95% · **8.24–10.34%**- Standard Home Loan · five years · owe 90.01–95% · **8.24–10.34%** Showing 40 of 42 rates for this profile, lowest rate first. Every band AAA FINANCIAL CORPORATION prices in appears above. The 2 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). Where a rate is shown as a range, AAA FINANCIAL CORPORATION published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 5.78 percentage points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. [Report it if that looks wrong](#wrong). ## Investment, principal and interest 63 rates ### Variable - Portfolio Loan · owe up to 90% · **5.69–11.47%**- Standard Home Loan · owe up to 70% · **6.38–8.74%** (6.41% with fees)- Standard Home Loan · owe 70.01–80% · **6.48–8.84%** (6.51% with fees)- Homepay Standard · owe up to 70% · **6.64%**- Standard Home Loan · owe 80.01–85% · **6.73%** (6.76% with fees)- Homepay Standard · owe 70.01–80% · **6.74%**- Extended Home Loan · owe up to 70% · **6.74–7.14%**- Homepay Standard · owe 80.01–90% · **6.84%**- Standard Home Loan · owe 80.01–90% · **6.84–8.94%**- Extended Home Loan · owe 70.01–80% · **6.84–7.24%**- Standard Lender Paid LMI · owe up to 85% · **6.88–7.45%** (6.62% with fees)- High LVR · owe up to 95% · **6.94%**- Standard Home Loan · owe 90.01–95% · **6.94–9.04%**- High LVR · owe up to 100% · **6.94%**- Extended Home Loan · owe 80.01–90% · **6.94–7.34%**- Standard Home Loan · owe 85.01–90% · **6.98%** (7.01% with fees)- Extended Home Loan · owe 90.01–95% · **7.04–7.44%**- Standard Home Loan · owe 90.01–95% · **7.38%** (7.41% with fees)- Non-Res RBA Tracker · owe up to 85% · **7.48–7.68%**- Homepay Non-Res · owe up to 80% · **7.98%**- Commercial Easy Refinance · owe up to 60% · **8.09–8.29%**- Commercial Easy Refinance · owe 60.01–65% · **8.19–8.39%**- Commercial Easy Refinance · owe 65.01–70% · **8.29–8.49%**- Commercial Easy Refinance · owe 70.01–75% · **8.69–8.89%**- Non-Res Standard Home Loan · owe 80.01–85% · **8.93–9.13%**- Commercial Easy Refinance · owe 75.01–80% · **9.09–9.29%** ### Fixed - Standard Home Loan · one year · owe up to 70% · **7.28–10.04%** (6.50% with fees)- Standard Home Loan · two years · owe up to 70% · **7.28–10.04%** (6.59% with fees)- Standard Home Loan · three years · owe up to 70% · **7.28–10.04%** (6.67% with fees)- Standard Home Loan · one year · owe 70.01–80% · **7.38–10.14%** (6.60% with fees)- Standard Home Loan · two years · owe 70.01–80% · **7.38–10.14%** (6.69% with fees)- Standard Home Loan · three years · owe 70.01–80% · **7.38–10.14%** (6.77% with fees)- Standard Home Loan · one year · owe 80.01–90% · **8.14–10.24%**- Standard Home Loan · two years · owe 80.01–90% · **8.14–10.24%**- Standard Home Loan · one year · owe 90.01–95% · **8.24–10.34%**- Standard Home Loan · two years · owe 90.01–95% · **8.24–10.34%**- Non-Res Standard Home Loan · one year · owe 80.01–85% · **10.23–10.43%**- Non-Res Standard Home Loan · two years · owe 80.01–85% · **10.23–10.43%**- Non-Res Standard Home Loan · three years · owe 80.01–85% · **10.23–10.43%**- Non-Res Standard Home Loan · four years · owe 80.01–85% · **10.23–10.43%** Showing 40 of 63 rates for this profile, lowest rate first. Every band AAA FINANCIAL CORPORATION prices in appears above. The 23 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). Where a rate is shown as a range, AAA FINANCIAL CORPORATION published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 5.78 percentage points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. [Report it if that looks wrong](#wrong). ## Investment, interest only 61 rates ### Variable - Portfolio Loan · owe up to 90% · **5.69–11.47%**- Standard Home Loan · owe up to 70% · **6.78–8.94%** (6.81% with fees)- Homepay Standard · owe up to 70% · **6.84%**- Standard Home Loan · owe 70.01–80% · **6.88–9.04%** (6.91% with fees)- Homepay Standard · owe 70.01–80% · **6.94%**- Extended Home Loan · owe up to 70% · **6.94–7.34%**- Homepay Standard · owe 80.01–90% · **7.04%**- Standard Home Loan · owe 80.01–90% · **7.04–9.14%**- Extended Home Loan · owe 70.01–80% · **7.04–7.44%**- Standard Home Loan · owe 80.01–85% · **7.13%** (7.16% with fees)- High LVR · owe up to 95% · **7.14%**- Standard Home Loan · owe 90.01–95% · **7.14–9.24%**- High LVR · owe up to 100% · **7.14%**- Extended Home Loan · owe 80.01–90% · **7.14–7.54%**- Extended Home Loan · owe 90.01–95% · **7.24–7.64%**- Standard Home Loan · owe 85.01–90% · **7.38%** (7.41% with fees)- Non-Res RBA Tracker · owe up to 85% · **7.88–8.08%**- Homepay Non-Res · owe up to 80% · **8.18%**- Commercial Easy Refinance · owe up to 60% · **8.49–8.69%**- Commercial Easy Refinance · owe 60.01–65% · **8.59–8.79%**- Commercial Easy Refinance · owe 65.01–70% · **8.69–8.89%**- Commercial Easy Refinance · owe 70.01–75% · **9.09–9.29%**- Non-Res Standard Home Loan · owe 80.01–85% · **9.33–9.53%**- Commercial Easy Refinance · owe 75.01–80% · **9.49–9.69%** ### Fixed - Standard Home Loan · one year · owe up to 70% · **7.68–10.24%** (6.90% with fees)- Standard Home Loan · two years · owe up to 70% · **7.68–10.24%** (6.99% with fees)- Standard Home Loan · three years · owe up to 70% · **7.68–10.24%** (7.07% with fees)- Standard Home Loan · one year · owe 70.01–80% · **7.78–10.34%** (7.00% with fees)- Standard Home Loan · two years · owe 70.01–80% · **7.78–10.34%** (7.09% with fees)- Standard Home Loan · three years · owe 70.01–80% · **7.78–10.34%** (7.18% with fees)- Standard Home Loan · one year · owe 80.01–90% · **8.34–10.44%**- Standard Home Loan · two years · owe 80.01–90% · **8.34–10.44%**- Standard Home Loan · three years · owe 80.01–90% · **8.34–10.44%**- Standard Home Loan · one year · owe 90.01–95% · **8.44–10.54%**- Standard Home Loan · two years · owe 90.01–95% · **8.44–10.54%**- Standard Home Loan · three years · owe 90.01–95% · **8.44–10.54%**- Non-Res Standard Home Loan · one year · owe 80.01–85% · **10.63–10.83%**- Non-Res Standard Home Loan · two years · owe 80.01–85% · **10.63–10.83%**- Non-Res Standard Home Loan · three years · owe 80.01–85% · **10.63–10.83%**- Non-Res Standard Home Loan · four years · owe 80.01–85% · **10.63–10.83%** Showing 40 of 61 rates for this profile, lowest rate first. Every band AAA FINANCIAL CORPORATION prices in appears above. The 21 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). Where a rate is shown as a range, AAA FINANCIAL CORPORATION published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 5.78 percentage points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. [Report it if that looks wrong](#wrong). ## Restricted to particular groups | Product | Who it is for | Rate | | --- | --- | --- | | SMSF Residential | a particular group only, per its published conditions | 6.93% | | Expat RBA Tracker | a particular group only, per its published conditions | 7.08% | | Expat Standard Home Loan | a particular group only, per its published conditions | 7.14% | | Non-Res Bridging Tracker | a particular group only, per its published conditions | 7.48% | | SMSF Commercial | a particular group only, per its published conditions | 7.53% | | Sharia SMSF RBA Tracker | a particular group only, per its published conditions | 7.60% | | Standard Bridging Loan | a particular group only, per its published conditions | 8.58% | The data says a product *is* restricted. It never says whether you would get it. On [the comparison](/) every one of these can be put back with a click, and every figure is worked out again. ## What changed AAA FINANCIAL CORPORATION last moved a rate on **Saturday 31 October**. Every rate is read each morning and has come back the same since. [Every lender that publishes rates](/lenders), and [every rate move since capture began](/data/history). ## Beside it Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 0 publish a lower one than AAA FINANCIAL CORPORATION's 5.69%. The nearest either side: - AAA FINANCIAL CORPORATION 5.69% - [Easy Street](/lender/easy-street) 5.79% - [CommFCU](/lender/commfcu) 5.85% **Does this look wrong? or could it be better** Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what AAA FINANCIAL CORPORATION told you, it is usually one of these. ### The published data is wrong AAA FINANCIAL CORPORATION publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list. Everything identifying the feed is filled in below. The one part left is what you saw. ``` Consumer Data Right — Product Reference Data quality Data holder brand: AAA FINANCIAL CORPORATION ABN: 51119531252 Product Reference Data endpoint: https://public.aaafincorp.cdr.colcap.com.au Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 1092 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent. ``` Copy the report [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report) The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy. ### This page reads it wrongly The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. [Tell me and I will fix it](/#fb), and say which lender so I can find the row. ### Something is missing A figure this page should show and does not, or a lender that should be here and is not. [Tell me through the feedback box](/#fb). The data behind every page here is [free to download](/data) if you would rather check it yourself first. 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- [Where do these numbers come from?](/data) every published rate, and how fresh it is **Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. 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).