Mortgage Choice Ignite home loan rates

Where it sits

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 65%

6.99%

Lowest fixed rate

7.49%, two years

Lowest comparison rate

7.17%

Rates published

1,512, across 18 products

Last rate move

Friday 9 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

• Prime Home Loan - Ignite Prime Full Doc · owe up to 55% · 6.99% (7.17% with fees)
• Prime Home Loan - Ignite Prime Full Doc · owe 55.01–65% · 6.99% (7.17% with fees)
• Prime Home Loan - Ignite Prime Full Doc · owe 65.01–70% · 7.24% (7.42% with fees)
• Prime Home Loan - Ignite Prime Full Doc · owe 70.01–75% · 7.34% (7.52% with fees)
• Prime Home Loan - Ignite Prime Full Doc · owe 75.01–80% · 7.34% (7.52% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe up to 55% · 7.49% (7.75% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 55.01–65% · 7.49% (7.75% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 65.01–70% · 7.59% (7.85% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 70.01–75% · 7.69% (7.95% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 75.01–80% · 7.79% (8.05% with fees)
• Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full Doc · owe up to 50% · 8.04%
• Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full Doc · owe 50.01–60% · 8.04%
• Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full Doc · owe 60.01–65% · 8.04%
• Prime Home Loan - Ignite Prime Full Doc · owe 80.01–85% · 8.24% (8.42% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 80.01–85% · 8.29% (8.55% with fees)
• Prime Home Loan - Ignite Prime Full Doc · owe 85.01–90% · 8.54% (8.72% with fees)
• Prime Home Loan - Ignite Prime Full Doc · owe 90.01–95% · 8.64% (8.82% with fees)
• Near Prime Non-standard regulated consumer loan (CRE Loan) - Near Prime Full Doc · owe up to 50% · 8.79%
• Near Prime Non-standard regulated consumer loan (CRE Loan) - Near Prime Full Doc · owe 50.01–60% · 8.79%
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 85.01–90% · 8.79% (9.05% with fees)
• Near Prime Non-standard regulated consumer loan (CRE Loan) - Near Prime Full Doc · owe 60.01–65% · 8.84%
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · owe 90.01–95% · 8.89% (9.15% with fees)

Fixed

• Prime Home Loan - Ignite Prime Full Doc · two years · owe up to 55% · 7.49% (7.28% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 55.01–65% · 7.49% (7.28% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe up to 55% · 7.59% (7.35% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe 55.01–65% · 7.59% (7.35% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 65.01–70% · 7.74% (7.53% with fees)
• Prime Home Loan - Ignite Prime Full Doc · five years · owe up to 55% · 7.79% (7.54% with fees)
• Prime Home Loan - Ignite Prime Full Doc · five years · owe 55.01–65% · 7.79% (7.54% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 70.01–75% · 7.84% (7.62% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 75.01–80% · 7.84% (7.62% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe 65.01–70% · 7.84% (7.60% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe 70.01–75% · 7.94% (7.70% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe 75.01–80% · 7.94% (7.70% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 80.01–85% · 8.74% (8.53% with fees)
• Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc · two years · owe 80.01–85% · 8.79% (8.66% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 85.01–90% · 9.04% (8.83% with fees)
• Prime Home Loan - Ignite Prime Full Doc · two years · owe 90.01–95% · 9.14% (8.93% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe 85.01–90% · 9.14% (8.91% with fees)
• Prime Home Loan - Ignite Prime Full Doc · three years · owe 90.01–95% · 9.24% (9.01% with fees)

Showing 40 of 234 rates for this profile, lowest rate first. Every band Mortgage Choice Ignite prices in appears above. The 194 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Restricted to particular groups

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

Mortgage Choice Ignite last moved a rate on Friday 9 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, 82 publish a lower one than Mortgage Choice Ignite's 6.99%. The nearest either side:

• Mortgage Choice Amplify 6.84%
• Aussie Activate 6.99%
• Mortgage Choice Ignite 6.99%
• Mortgage Ezy 6.99%
• ORDE Financial 6.99%

Mortgage Choice Ignite is a Mortgage Choice brand. The group's other brands with a page here: Mortgage Choice Amplify, Mortgage Choice Freedom. Each publishes its own rates.