ORDE Financial home loan rates

RateGapevery home loan rate lenders publish, compared

Where it sits

6.84% ORDE Financial, lowest variable rate open to anyone

5.84% The going rate

1.00 points above the going rate

The going rate is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Using the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody could get.

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.

Lowest variable rate, open to anyone: 6.84%
Lowest fixed rate: none advertised
Lowest comparison rate: 6.94%
Rates published: 90, across 15 products
Last rate move: Thursday 17 September
Last read: Friday 18 September

For a home you live in and pay down. The other loan types are in the tables below.

Owner-occupied, principal and interest

Product	Type	LVR	Rate	Comparison
Residential Full Doc Prime	variable	0–65%	6.84%	6.94%
Residential Full Doc Prime	variable	65.01–75%	6.99%	7.09%
Residential Full Doc Prime	variable	75.01–80%	7.09%	7.19%
Residential Full Doc Prime	variable	80.01–85%	7.84%	8.02%

Owner-occupied, interest only

Product	Type	LVR	Rate	Comparison
Residential Full Doc Prime	variable	0–65%	7.14%	7.24%
Residential Full Doc Prime	variable	65.01–75%	7.29%	7.39%
Residential Full Doc Prime	variable	75.01–80%	7.39%	7.49%
Residential Full Doc Prime	variable	80.01–85%	8.14%	8.32%

Investment, principal and interest

Product	Type	LVR	Rate	Comparison
Residential Full Doc Prime	variable	0–65%	6.99%	7.09%
Residential Full Doc Prime	variable	65.01–75%	7.14%	7.24%
Residential Full Doc Prime	variable	75.01–80%	7.24%	7.34%
Residential Full Doc Prime	variable	80.01–85%	7.99%	8.17%

Investment, interest only

Product	Type	LVR	Rate	Comparison
Residential Full Doc Prime	variable	0–65%	7.29%	7.39%
Residential Full Doc Prime	variable	65.01–75%	7.44%	7.54%
Residential Full Doc Prime	variable	75.01–80%	7.54%	7.64%
Residential Full Doc Prime	variable	80.01–85%	8.29%	8.47%

Restricted to particular groups

Product	Who it is for	Rate
Residential Alt Doc Prime	a particular group only, per its published conditions	6.94%
Residential Expat Prime	a particular group only, per its published conditions	6.99%
Residential SMSF Prime	a particular group only, per its published conditions	7.09%
Residential Expat Near Prime	a particular group only, per its published conditions	7.64%
Residential Non-Resident	a particular group only, per its published conditions	7.64%
Residential SMSF Near Prime	a particular group only, per its published conditions	7.99%
Residential Bridging Prime	a particular group only, per its published conditions	8.24%
Residential Bridging Near Prime	a particular group only, per its published conditions	8.64%

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

ORDE Financial last moved a rate on Thursday 17 September. 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 89 lenders with a variable rate anyone could take for a home you live in and pay down, 82 publish a lower one than ORDE Financial's 6.84%. The nearest either side:

Connective Elevate 6.84%
Mortgage Choice Amplify 6.84%
ORDE Financial 6.84%
Connective Complete 6.87%
RedZed 6.87%

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 ORDE Financial told you, it is usually one of these.

The published data is wrong

ORDE Financial 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: ORDE Financial
ABN: 27634779990
Product Reference Data endpoint: https://prd.pm.productdata.au/c824d92f-d5bd-4699-b861-b07b145ef382/adapter
Data read from that endpoint on: Thursday 17 September
Rate lines published at that time: 90

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 ↗

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. Tell me through the feedback box. 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. Who made this. What this site collects.

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

This morning: variable rates, fixed rates and what moved this week.

Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto, what a comparison rate adds and what an offset costs.