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AFG Home Loans - Retro home loan rates

AFG Home Loans - Retro's lowest advertised variable rate for a home you live in and pay down is 6.74%, if you owe up to 70% of the home’s value. It was read Monday 2 November, and is 0.89 percentage points above the going rate of 5.85% across every lender. It advertises no fixed rate for that loan.

Since the Reserve Bank’s increase on Tuesday 29 September, AFG Home Loans - Retro has raised its lowest advertised variable rate from 6.46% to 6.74%. The change was first seen Friday 9 October. After the Reserve Bank’s increase has every lender.

355 advertised rates across 8 products, published by AFG Home Loans - Retro under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.74% AFG Home Loans - Retro, lowest variable rate if you owe up to 70%

5.85% The going rate

0.89 percentage points above 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.

Lowest variable rate, if you owe up to 70%: 6.74%
Lowest fixed rate: none advertised
Lowest comparison rate: 6.78%
Rates published: 355, across 8 products
Last rate move: Thursday 8 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

Retro Switch · owe up to 60% · 6.74% (6.78% with fees)
Retro Switch · owe 60.01–70% · 6.74% (6.78% with fees)
Retro Switch · owe up to 60% · 6.74% (6.78% with fees)
Retro Switch · owe 60.01–70% · 6.74% (6.78% with fees)
Retro Switch · owe up to 60% · 6.74% (6.78% with fees)
Retro Switch · owe 60.01–70% · 6.74% (6.78% with fees)
Retro · owe up to 60% · 6.74% (6.78% with fees)
Retro · owe 60.01–70% · 6.74% (6.78% with fees)
Retro · owe up to 60% · 6.74% (6.78% with fees)
Retro · owe 60.01–70% · 6.74% (6.78% with fees)
Retro · owe up to 60% · 6.74% (6.78% with fees)
Retro · owe 60.01–70% · 6.74% (6.78% with fees)
Retro Switch · owe 70.01–80% · 6.84% (6.88% with fees)
Retro Switch · owe 70.01–80% · 6.84% (6.88% with fees)
Retro · owe 70.01–80% · 6.84% (6.88% with fees)
Retro · owe 70.01–80% · 6.84% (6.88% with fees)
Retro Switch · owe 70.01–80% · 6.98% (7.02% with fees)
Retro · owe 70.01–80% · 6.98% (7.02% with fees)
Retro · owe 80.01–90% · 7.14% (7.18% with fees)
Retro · owe 80.01–90% · 7.14% (7.18% with fees)
Retro · owe 80.01–90% · 7.14% (7.18% with fees)
Retro Versa · owe up to 60% · 7.21% (7.55% with fees)
Retro Versa · owe up to 60% · 7.21% (7.55% with fees)
Retro Versa · owe 60.01–70% · 7.33% (7.67% with fees)
Retro Versa · owe 60.01–70% · 7.33% (7.67% with fees)
Retro Versa · owe up to 60% · 7.41% (7.75% with fees)
Retro Versa · owe 70.01–80% · 7.43% (7.77% with fees)
Retro Versa · owe 70.01–80% · 7.43% (7.77% with fees)
Retro Versa · owe 60.01–70% · 7.53% (7.87% with fees)
Retro · owe 90.01–95% · 7.55% (7.59% with fees)
Retro · owe 90.01–95% · 7.55% (7.59% with fees)
Retro · owe 90.01–95% · 7.55% (7.59% with fees)
Retro Specialist · owe up to 60% · 7.59% (8.00% with fees)
Retro Specialist · owe 60.01–70% · 7.59% (8.03% with fees)
Retro Specialist · owe up to 60% · 7.59% (8.00% with fees)
Retro Versa · owe 70.01–80% · 7.68% (8.02% with fees)
Retro Specialist · owe 70.01–80% · 7.79% (8.26% with fees)
Retro Versa · owe 80.01–90% · 8.35% (8.68% with fees)
Retro Versa · owe 80.01–90% · 8.35% (8.68% with fees)
Retro Versa · owe 80.01–90% · 8.35% (8.68% with fees)

Showing 40 of 45 rates for this profile, lowest rate first. Every band AFG Home Loans - Retro prices in appears above. The 5 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Owner-occupied, interest only

36 rates

Variable

Retro Switch · owe up to 60% · 7.04% (6.91% with fees)
Retro Switch · owe 60.01–70% · 7.04% (6.91% with fees)
Retro Switch · owe up to 60% · 7.04% (6.91% with fees)
Retro Switch · owe 60.01–70% · 7.04% (6.91% with fees)
Retro Switch · owe up to 60% · 7.04% (6.91% with fees)
Retro Switch · owe 60.01–70% · 7.04% (6.91% with fees)
Retro · owe up to 60% · 7.04% (6.91% with fees)
Retro · owe 60.01–70% · 7.04% (6.91% with fees)
Retro · owe 60.01–70% · 7.04% (6.91% with fees)
Retro · owe up to 60% · 7.04% (6.91% with fees)
Retro · owe up to 60% · 7.04% (6.91% with fees)
Retro · owe 60.01–70% · 7.04% (6.91% with fees)
Retro Switch · owe 70.01–80% · 7.34% (7.10% with fees)
Retro Switch · owe 70.01–80% · 7.34% (7.18% with fees)
Retro Switch · owe 70.01–80% · 7.34% (7.10% with fees)
Retro · owe 70.01–80% · 7.34% (7.18% with fees)
Retro · owe 70.01–80% · 7.34% (7.10% with fees)
Retro · owe 70.01–80% · 7.34% (7.10% with fees)
Retro Versa · owe up to 60% · 7.58% (7.70% with fees)
Retro Versa · owe up to 60% · 7.58% (7.70% with fees)
Retro Versa · owe 60.01–70% · 7.63% (7.79% with fees)
Retro Versa · owe 60.01–70% · 7.63% (7.79% with fees)
Retro Versa · owe up to 60% · 7.78% (7.90% with fees)
Retro Versa · owe 60.01–70% · 7.83% (7.99% with fees)
Retro Versa · owe 70.01–80% · 7.88% (7.95% with fees)
Retro Versa · owe 70.01–80% · 7.88% (7.95% with fees)
Retro Specialist · owe up to 60% · 7.89% (8.11% with fees)
Retro Specialist · owe up to 60% · 7.89% (8.11% with fees)
Retro Specialist · owe 60.01–70% · 7.89% (8.14% with fees)
Retro Specialist · owe 60.01–70% · 7.89% (8.14% with fees)
Retro Versa · owe 70.01–80% · 7.98% (8.14% with fees)
Retro Specialist · owe 60.01–70% · 8.09% (8.34% with fees)
Retro Specialist · owe 70.01–80% · 8.09% (8.37% with fees)
Retro Specialist · owe 70.01–80% · 8.09% (8.37% with fees)
Retro Specialist · owe up to 60% · 8.09% (8.32% with fees)
Retro Specialist · owe 70.01–80% · 8.40% (8.69% with fees)

No band here goes above 80% of the property's value. That means AFG Home Loans - Retro publishes none — not that it will not lend above 80%. Whether it does is not in this data.

Investment, principal and interest

45 rates

Variable

Retro Switch · owe up to 60% · 7.04% (7.08% with fees)
Retro Switch · owe 60.01–70% · 7.04% (7.08% with fees)
Retro Switch · owe up to 60% · 7.04% (7.08% with fees)
Retro Switch · owe 60.01–70% · 7.04% (7.08% with fees)
Retro Switch · owe up to 60% · 7.04% (7.08% with fees)
Retro Switch · owe 60.01–70% · 7.04% (7.08% with fees)
Retro · owe up to 60% · 7.04% (7.08% with fees)
Retro · owe 60.01–70% · 7.04% (7.08% with fees)
Retro · owe up to 60% · 7.04% (7.08% with fees)
Retro · owe 60.01–70% · 7.04% (7.08% with fees)
Retro · owe up to 60% · 7.04% (7.08% with fees)
Retro · owe 60.01–70% · 7.04% (7.08% with fees)
Retro Switch · owe 70.01–80% · 7.14% (7.18% with fees)
Retro Switch · owe 70.01–80% · 7.14% (7.18% with fees)
Retro · owe 70.01–80% · 7.14% (7.18% with fees)
Retro · owe 70.01–80% · 7.14% (7.18% with fees)
Retro Switch · owe 70.01–80% · 7.24% (7.28% with fees)
Retro · owe 70.01–80% · 7.24% (7.28% with fees)
Retro · owe 80.01–90% · 7.34% (7.38% with fees)
Retro · owe 80.01–90% · 7.34% (7.38% with fees)
Retro · owe 80.01–90% · 7.34% (7.38% with fees)
Retro Versa · owe up to 60% · 7.51% (7.85% with fees)
Retro Versa · owe up to 60% · 7.51% (7.85% with fees)
Retro Versa · owe 60.01–70% · 7.63% (7.97% with fees)
Retro Versa · owe 60.01–70% · 7.63% (7.97% with fees)
Retro Versa · owe up to 60% · 7.71% (8.05% with fees)
Retro Versa · owe 70.01–80% · 7.73% (8.07% with fees)
Retro Versa · owe 70.01–80% · 7.73% (8.07% with fees)
Retro · owe 90.01–95% · 7.75% (7.79% with fees)
Retro · owe 90.01–95% · 7.75% (7.79% with fees)
Retro · owe 90.01–95% · 7.75% (7.79% with fees)
Retro Versa · owe 60.01–70% · 7.83% (8.17% with fees)
Retro Specialist · owe up to 60% · 7.89% (8.30% with fees)
Retro Specialist · owe 60.01–70% · 7.89% (8.33% with fees)
Retro Specialist · owe up to 60% · 7.89% (8.30% with fees)
Retro Versa · owe 70.01–80% · 7.98% (8.32% with fees)
Retro Specialist · owe 70.01–80% · 8.09% (8.56% with fees)
Retro Versa · owe 80.01–90% · 8.55% (8.88% with fees)
Retro Versa · owe 80.01–90% · 8.55% (8.88% with fees)
Retro Versa · owe 80.01–90% · 8.55% (8.88% with fees)

Investment, interest only

45 rates

Variable

Retro Switch · owe up to 60% · 7.04–7.14% (7.08–7.15% with fees)
Retro Switch · owe 60.01–70% · 7.04–7.14% (7.08–7.15% with fees)
Retro Switch · owe up to 60% · 7.04–7.14% (7.08–7.15% with fees)
Retro Switch · owe 60.01–70% · 7.04–7.14% (7.08–7.15% with fees)
Retro Switch · owe up to 60% · 7.04–7.14% (7.08–7.15% with fees)
Retro Switch · owe 60.01–70% · 7.04–7.14% (7.08–7.15% with fees)
Retro · owe up to 60% · 7.04–7.14% (7.08–7.15% with fees)
Retro · owe 60.01–70% · 7.04–7.14% (7.08–7.15% with fees)
Retro · owe up to 60% · 7.04–7.14% (7.08–7.15% with fees)
Retro · owe 60.01–70% · 7.04–7.14% (7.08–7.15% with fees)
Retro · owe up to 60% · 7.04–7.14% (7.08–7.15% with fees)
Retro · owe 60.01–70% · 7.04–7.14% (7.08–7.15% with fees)
Retro Switch · owe 70.01–80% · 7.34–7.44% (7.32–7.42% with fees)
Retro Switch · owe 70.01–80% · 7.34–7.44% (7.27–7.39% with fees)
Retro Switch · owe 70.01–80% · 7.34–7.44% (7.27–7.39% with fees)
Retro · owe 70.01–80% · 7.34–7.44% (7.27–7.39% with fees)
Retro · owe 70.01–80% · 7.34–7.44% (7.27–7.39% with fees)
Retro · owe 70.01–80% · 7.34–7.44% (7.32–7.42% with fees)
Retro Versa · owe up to 60% · 7.51–7.61% (7.83–7.89% with fees)
Retro Versa · owe up to 60% · 7.51–7.61% (7.83–7.89% with fees)
Retro Versa · owe 60.01–70% · 7.63–7.73% (7.95–8.00% with fees)
Retro Versa · owe 60.01–70% · 7.63–7.73% (7.95–8.00% with fees)
Retro · owe 80.01–90% · 7.66% (7.52% with fees)
Retro · owe 80.01–90% · 7.66% (7.52% with fees)
Retro · owe 80.01–90% · 7.66% (7.52% with fees)
Retro Versa · owe up to 60% · 7.71–7.81% (8.03–8.08% with fees)
Retro Versa · owe 70.01–80% · 7.73–7.83% (8.05–8.10% with fees)
Retro Versa · owe 70.01–80% · 7.73–7.83% (8.05–8.10% with fees)
Retro Versa · owe 60.01–70% · 7.83–7.93% (8.15–8.20% with fees)
Retro Specialist · owe up to 60% · 7.89–7.99% (8.28–8.33% with fees)
Retro Specialist · owe 60.01–70% · 7.89–7.99% (8.30–8.35% with fees)
Retro Specialist · owe up to 60% · 7.89–7.99% (8.28–8.33% with fees)
Retro Versa · owe 70.01–80% · 7.98–8.08% (8.30–8.35% with fees)
Retro · owe 90.01–95% · 8.00% (7.90% with fees)
Retro · owe 90.01–95% · 8.00% (7.90% with fees)
Retro · owe 90.01–95% · 8.00% (7.90% with fees)
Retro Specialist · owe 70.01–80% · 8.09–8.19% (8.53–8.59% with fees)
Retro Versa · owe 80.01–90% · 8.70% (8.94% with fees)
Retro Versa · owe 80.01–90% · 8.70% (8.94% with fees)
Retro Versa · owe 80.01–90% · 8.70% (8.94% with fees)

Where a rate is shown as a range, AFG Home Loans - Retro published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess.

Restricted to particular groups

Product	Who it is for	Rate
Retro Lite	a particular group only, per its published conditions	7.19%
Retro SMSF	a particular group only, per its published conditions	7.33%
Retro Lite Specialist	a particular group only, per its published conditions	7.74%
Retro Lite Specialist Plus	a particular group only, per its published conditions	9.24%

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

AFG Home Loans - Retro last moved a rate on Thursday 8 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 76 publish a lower one than AFG Home Loans - Retro's 6.74%. The nearest either side:

Darling Downs Bank 6.64%
homeloans.com.au 6.64%
AFG Home Loans - Retro 6.74%
Horizon Bank 6.74%
Bluestone Home Loans 6.84%

AFG Home Loans - Retro is a AFG brand. The group's other brand with a page here: AFG Home Loans Alpha. Each publishes its own rates.

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 AFG Home Loans - Retro told you, it is usually one of these.

The published data is wrong

AFG Home Loans - Retro 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: AFG Home Loans - Retro
ABN: 90119343118
Product Reference Data endpoint: https://public.cdr.afghomeloans.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 355

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.

Open the report form in a new tab ↗

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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, 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. The data behind every page here is free to download 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? term, extra repayments, interest only
Don't have a loan yet? what to look at before you pick one
What does each lender advertise? every lender that publishes rates, a page each
What moved this week? which lenders changed an advertised rate
Where do these numbers come from? 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. What this site collects.