Apollo home loan rates

288 advertised rate lines across 11 products, published by Apollo under the Consumer Data Right. Read yesterday. No lender pays to be listed.

Where it sits

6.04% Apollo, lowest open
5.84% The benchmark
0.20pp higher

The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.

Both figures are advertised rates for a new customer. The discount a broker negotiates is published nowhere and is not in either number. Read your own rate against this.

Owner-occupied, principal and interest

ProductTypeLVR RateComparison
Apollo Max Bundle (With Offset) variable 0–50% 6.04% 6.30%
Apollo Max Bundle (Without Offset) variable 0–50% 6.04% 6.06%
Apollo Max Bundle (With Offset) variable 50.01–60% 6.09% 6.35%
Apollo Max Bundle (Without Offset) variable 50.01–60% 6.09% 6.11%
Apollo Max Bundle (With Offset) variable 60.01–70% 6.14% 6.40%
Apollo Max Bundle (Without Offset) variable 60.01–70% 6.14% 6.16%
Apollo Max (With Offset) variable 0–50% 6.19% 6.45%
Apollo Max Bundle (With Offset) variable 70.01–80% 6.19% 6.45%
Apollo Max Bundle (Without Offset) variable 70.01–80% 6.19% 6.21%
Apollo Max (Without Offset) variable 0–50% 6.19% 6.21%
Apollo Max (With Offset) variable 50.01–60% 6.24% 6.50%
Apollo Max (Without Offset) variable 50.01–60% 6.24% 6.26%
Apollo Max (With Offset) variable 60.01–70% 6.29% 6.55%
Apollo Max (Without Offset) variable 60.01–70% 6.29% 6.31%
Apollo Max (With Offset) variable 70.01–80% 6.34% 6.60%
Apollo Max (Without Offset) variable 70.01–80% 6.34% 6.36%
Apollo Max Fixed fixed 1y 0–50% 6.69% 6.40%
Apollo Max Fixed fixed 1y 50.01–60% 6.74% 6.45%
Apollo Max Fixed fixed 2y 0–50% 6.74% 6.44%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 6.74% 6.79%
Apollo Max Fixed fixed 1y 60.01–70% 6.79% 6.50%
Apollo Max Fixed fixed 2y 50.01–60% 6.79% 6.49%
Apollo Max Fixed fixed 3y 0–50% 6.79% 6.49%
Apollo Max Fixed fixed 1y 70.01–80% 6.84% 6.55%
Apollo Max Fixed fixed 2y 60.01–70% 6.84% 6.54%
Apollo Max Fixed fixed 3y 50.01–60% 6.84% 6.54%
Apollo Max Fixed fixed 2y 70.01–80% 6.89% 6.59%
Apollo Max Fixed fixed 3y 60.01–70% 6.89% 6.59%
Apollo Max Fixed fixed 3y 70.01–80% 6.94% 6.64%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 6.94% 6.99%

Owner-occupied, interest only

ProductTypeLVR RateComparison
Apollo Max Bundle (With Offset) variable 50.01–60% 6.29% 6.41%
Apollo Max Bundle (With Offset) variable 0–50% 6.29% 6.39%
Apollo Max Bundle (Without Offset) variable 50.01–60% 6.29% 6.20%
Apollo Max Bundle (Without Offset) variable 0–50% 6.29% 6.17%
Apollo Max Bundle (With Offset) variable 60.01–70% 6.34% 6.46%
Apollo Max Bundle (Without Offset) variable 60.01–70% 6.34% 6.25%
Apollo Max Bundle (With Offset) variable 70.01–80% 6.39% 6.51%
Apollo Max Bundle (Without Offset) variable 70.01–80% 6.39% 6.30%
Apollo Max (With Offset) variable 50.01–60% 6.44% 6.56%
Apollo Max (With Offset) variable 0–50% 6.44% 6.54%
Apollo Max (Without Offset) variable 50.01–60% 6.44% 6.35%
Apollo Max (Without Offset) variable 0–50% 6.44% 6.32%
Apollo Max (With Offset) variable 60.01–70% 6.49% 6.62%
Apollo Max (Without Offset) variable 60.01–70% 6.49% 6.40%
Apollo Max (With Offset) variable 70.01–80% 6.54% 6.66%
Apollo Max (Without Offset) variable 70.01–80% 6.54% 6.45%
Apollo Max Fixed fixed 1y 70.01–80% 6.94% 6.56%
Apollo Max Fixed fixed 1y 0–50% 6.94% 6.42%
Apollo Max Fixed fixed 1y 50.01–60% 6.94% 6.47%
Apollo Max Fixed fixed 1y 60.01–70% 6.94% 6.51%
Apollo Max Fixed fixed 2y 50.01–60% 6.99% 6.53%
Apollo Max Fixed fixed 2y 70.01–80% 6.99% 6.61%
Apollo Max Fixed fixed 2y 60.01–70% 6.99% 6.57%
Apollo Max Fixed fixed 2y 0–50% 6.99% 6.49%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 6.99% 6.90%
Apollo Max Fixed fixed 3y 60.01–70% 7.04% 6.63%
Apollo Max Fixed fixed 3y 50.01–60% 7.04% 6.60%
Apollo Max Fixed fixed 3y 70.01–80% 7.04% 6.67%
Apollo Max Fixed fixed 3y 0–50% 7.04% 6.56%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 7.19% 7.10%

Investment, principal and interest

ProductTypeLVR RateComparison
Apollo Max (With Offset) variable 0–50% 6.24% 6.50%
Apollo Max (Without Offset) variable 0–50% 6.24% 6.26%
Apollo Max (With Offset) variable 50.01–60% 6.29% 6.55%
Apollo Max (Without Offset) variable 50.01–60% 6.29% 6.31%
Apollo Max (With Offset) variable 60.01–70% 6.34% 6.60%
Apollo Max (Without Offset) variable 60.01–70% 6.34% 6.36%
Apollo Max (With Offset) variable 70.01–80% 6.39% 6.65%
Apollo Max (Without Offset) variable 70.01–80% 6.39% 6.41%
Apollo Plus Full Doc variable 0–50% 6.54% 6.64%
Apollo Plus Full Doc variable 50.01–60% 6.59% 6.69%
Apollo Plus Full Doc variable 60.01–70% 6.64% 6.74%
Apollo Plus Full Doc variable 70.01–80% 6.69% 6.79%
Apollo Max Fixed fixed 1y 0–50% 6.79% 6.46%
Apollo Max Fixed fixed 1y 50.01–60% 6.84% 6.51%
Apollo Max Fixed fixed 2y 0–50% 6.84% 6.50%
Apollo Max Fixed fixed 1y 60.01–70% 6.89% 6.56%
Apollo Max Fixed fixed 2y 50.01–60% 6.89% 6.55%
Apollo Max Fixed fixed 3y 0–50% 6.89% 6.56%
Apollo Max Fixed fixed 2y 60.01–70% 6.94% 6.60%
Apollo Max Fixed fixed 3y 50.01–60% 6.94% 6.61%
Apollo Max Fixed fixed 1y 70.01–80% 6.99% 6.66%
Apollo Max Fixed fixed 3y 60.01–70% 6.99% 6.66%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 6.99% 7.04%
Apollo Max Fixed fixed 2y 70.01–80% 7.04% 6.70%
Apollo Max Fixed fixed 3y 70.01–80% 7.09% 6.76%
Apollo Plus Full Doc variable 80.01–85% 7.14% 7.24%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 7.19% 7.24%
Apollo Plus Full Doc variable 80.01–85% 7.34% 7.44%

Investment, interest only

ProductTypeLVR RateComparison
Apollo Max (With Offset) variable 0–50% 6.39% 6.54%
Apollo Max (Without Offset) variable 0–50% 6.39% 6.33%
Apollo Max (With Offset) variable 50.01–60% 6.44% 6.59%
Apollo Max (Without Offset) variable 50.01–60% 6.44% 6.38%
Apollo Max (With Offset) variable 60.01–70% 6.49% 6.64%
Apollo Max (Without Offset) variable 60.01–70% 6.49% 6.43%
Apollo Max (With Offset) variable 70.01–80% 6.54% 6.69%
Apollo Max (Without Offset) variable 70.01–80% 6.54% 6.48%
Apollo Plus Full Doc variable 0–50% 6.64% 6.67%
Apollo Plus Full Doc variable 50.01–60% 6.69% 6.72%
Apollo Plus Full Doc variable 60.01–70% 6.74% 6.78%
Apollo Plus Full Doc variable 70.01–80% 6.79% 6.82%
Apollo Max Fixed fixed 1y 0–50% 6.94% 6.47%
Apollo Max Fixed fixed 1y 50.01–60% 6.94% 6.51%
Apollo Max Fixed fixed 1y 60.01–70% 6.99% 6.57%
Apollo Max Fixed fixed 2y 50.01–60% 6.99% 6.57%
Apollo Max Fixed fixed 2y 0–50% 6.99% 6.53%
Apollo Max Fixed fixed 1y 70.01–80% 7.04% 6.66%
Apollo Max Fixed fixed 2y 60.01–70% 7.04% 6.62%
Apollo Max Fixed fixed 3y 50.01–60% 7.04% 6.63%
Apollo Max Fixed fixed 3y 0–50% 7.04% 6.60%
Apollo Max Fixed fixed 2y 70.01–80% 7.09% 6.71%
Apollo Max Fixed fixed 3y 60.01–70% 7.09% 6.68%
Apollo Max Fixed fixed 3y 70.01–80% 7.14% 6.77%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 7.14% 7.11%
Apollo Plus Full Doc variable 80.01–85% 7.29% 7.30%
Apollo Pro 80-85% LVR No LMI (Full Doc) variable 80.01–85% 7.34% 7.31%
Apollo Plus Full Doc variable 80.01–85% 7.49% 7.50%

Left out of the figures above

ProductWhy it is outRate
Apollo Pro Self-Employed Lite Doc Eligibility 6.74%
Apollo Plus Lite Doc Eligibility 6.94%
Apollo Next with No End Debt Eligibility 8.44%
Apollo Next with End Debt Eligibility 9.14%

The data says a product is restricted. It never says whether you qualify. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Apollo last moved a rate line on Monday 31 August. Every line is read each morning and has come back the same since.

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

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 Apollo told you, it is usually one of these.

The published data is wrong

Apollo 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: Apollo
ABN: 24619536506
Product Reference Data endpoint: https://lmg.athena.com.au/
Data read from that endpoint on: Saturday 12 September
Rate lines published at that time: 288

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 ↗

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, 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. Same place. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.

Building something with this? There is an API, and the data is free.

Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.