RateGapevery home loan rate lenders publish, compared

Zeus home loan rates

Zeus' lowest advertised variable rate for a home you live in and pay down is 6.08%, if you owe up to 70% of the home’s value. It was read Monday 2 November, and is 0.23 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.98%, fixed for one year.

Since the Reserve Bank’s increase on Tuesday 29 September, Zeus has not changed its lowest advertised variable rate, 6.08%, as at Monday 2 November. After the Reserve Bank’s increase has every lender.

464 advertised rates across 3 products, published by Zeus under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.08% Zeus, lowest variable rate if you owe up to 70%

5.85% The going rate

0.23 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%: 6.08%
Lowest fixed rate: 6.98%, one year
Lowest comparison rate: 6.33%
Rates published: 464, across 3 products
Last rate move: Tuesday 6 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

Zeus Bolt · owe up to 70% · 6.08–6.33% (6.33–6.69% with fees)
Zeus Own · owe up to 70% · 6.08–6.33% (6.41–6.69% with fees)
Zeus Bolt · owe 70.01–80% · 6.13–6.38% (6.37–6.74% with fees)
Zeus Own · owe 70.01–80% · 6.13–6.38% (6.46–6.74% with fees)
Zeus Own · owe 80.01–85% · 6.33–6.48% (6.69–6.80% with fees)
Zeus Own · owe 85.01–90% · 6.63–6.73% (6.98–7.04% with fees)
Zeus Own · owe 90.01–95% · 6.73–6.98% (7.05–7.10% with fees)

Fixed

Zeus Bolt · one year · owe up to 70% · 6.98–7.63% (6.42–6.82% with fees)
Zeus Bolt · two years · owe up to 70% · 6.98–7.63% (6.50–6.95% with fees)
Zeus Bolt · three years · owe up to 70% · 6.98–7.63% (6.58–7.07% with fees)
Zeus Own · one year · owe up to 70% · 6.98–7.63% (6.50–6.82% with fees)
Zeus Own · two years · owe up to 70% · 6.98–7.63% (6.59–6.95% with fees)
Zeus Own · three years · owe up to 70% · 6.98–7.63% (6.67–7.07% with fees)
Zeus Bolt · one year · owe 70.01–80% · 7.03–7.68% (6.46–6.87% with fees)
Zeus Bolt · two years · owe 70.01–80% · 7.03–7.68% (6.56–7.00% with fees)
Zeus Bolt · three years · owe 70.01–80% · 7.03–7.68% (6.63–7.12% with fees)
Zeus Own · one year · owe 70.01–80% · 7.03–7.68% (6.55–6.87% with fees)
Zeus Own · two years · owe 70.01–80% · 7.03–7.68% (6.64–7.00% with fees)
Zeus Own · three years · owe 70.01–80% · 7.03–7.68% (6.72–7.12% with fees)
Zeus Bolt · four years · owe up to 70% · 7.08–7.63% (6.69–7.17% with fees)
Zeus Bolt · five years · owe up to 70% · 7.08–7.63% (6.77–7.27% with fees)
Zeus Own · four years · owe up to 70% · 7.08–7.63% (6.78–7.17% with fees)
Zeus Bolt · four years · owe 70.01–80% · 7.13–7.68% (6.76–7.22% with fees)
Zeus Bolt · five years · owe 70.01–80% · 7.13–7.68% (6.82–7.32% with fees)
Zeus Own · four years · owe 70.01–80% · 7.13–7.68% (6.83–7.22% with fees)
Zeus Own · one year · owe 80.01–85% · 7.38–7.93% (6.90–7.12% with fees)
Zeus Own · two years · owe 80.01–85% · 7.38–7.93% (7.06–7.25% with fees)
Zeus Own · three years · owe 80.01–85% · 7.38–7.93% (7.06–7.36% with fees)
Zeus Own · four years · owe 80.01–85% · 7.48–7.93% (7.18–7.47% with fees)
Zeus Own · five years · owe 80.01–85% · 7.48–7.93% (7.25–7.57% with fees)
Zeus Own · one year · owe 85.01–90% · 7.53–7.93% (7.12–7.14% with fees)
Zeus Own · two years · owe 85.01–90% · 7.53–7.93% (7.21–7.25% with fees)
Zeus Own · three years · owe 85.01–90% · 7.53–7.93% (7.29–7.36% with fees)
Zeus Own · one year · owe 90.01–95% · 7.58–8.03% (7.22–7.36% with fees)
Zeus Own · two years · owe 90.01–95% · 7.58–8.03% (7.35–7.42% with fees)
Zeus Own · three years · owe 90.01–95% · 7.58–8.03% (7.47% with fees)
Zeus Own · four years · owe 85.01–90% · 7.63–7.93% (7.39–7.47% with fees)
Zeus Own · five years · owe 85.01–90% · 7.63–7.93% (7.46–7.57% with fees)
Zeus Own · four years · owe 90.01–95% · 7.68–8.03% (7.56–7.57% with fees)
Zeus Own · five years · owe 90.01–95% · 7.68–8.03% (7.62–7.67% with fees)

Showing 40 of 42 rates for this profile, lowest rate first. Every band Zeus 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.

Where a rate is shown as a range, Zeus 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.

Owner-occupied, interest only

29 rates

Variable

Zeus Build · owe up to 70% · 6.33–6.48% (6.79–6.87% with fees)
Zeus Build · owe 70.01–80% · 6.38–6.53% (6.85–6.92% with fees)
Zeus Bolt · owe up to 70% · 6.48–6.53% (6.72–6.88% with fees)
Zeus Own · owe up to 70% · 6.48–6.53% (6.81–6.88% with fees)
Zeus Bolt · owe 70.01–80% · 6.53–6.58% (6.77–6.93% with fees)
Zeus Own · owe 70.01–80% · 6.53–6.58% (6.85–6.93% with fees)
Zeus Build · owe 85.01–90% · 6.63–7.13% (7.46–7.51% with fees)
Zeus Build · owe 80.01–85% · 6.63–6.88% (7.26–7.32% with fees)
Zeus Build · owe 90.01–95% · 6.73–7.38% (7.76–7.80% with fees)

Fixed

Zeus Bolt · one year · owe up to 70% · 7.38–7.83% (6.81–7.02% with fees)
Zeus Bolt · two years · owe up to 70% · 7.38–7.83% (6.90–7.15% with fees)
Zeus Bolt · three years · owe up to 70% · 7.38–7.83% (6.98–7.27% with fees)
Zeus Own · one year · owe up to 70% · 7.38–7.83% (6.90–7.02% with fees)
Zeus Own · two years · owe up to 70% · 7.38–7.83% (6.98–7.15% with fees)
Zeus Own · three years · owe up to 70% · 7.38–7.83% (7.06–7.27% with fees)
Zeus Bolt · one year · owe 70.01–80% · 7.43–7.88% (6.86–7.10% with fees)
Zeus Bolt · two years · owe 70.01–80% · 7.43–7.88% (6.96–7.20% with fees)
Zeus Bolt · three years · owe 70.01–80% · 7.43–7.88% (7.03–7.32% with fees)
Zeus Own · one year · owe 70.01–80% · 7.43–7.88% (6.95–7.10% with fees)
Zeus Own · two years · owe 70.01–80% · 7.43–7.88% (7.03–7.20% with fees)
Zeus Own · three years · owe 70.01–80% · 7.43–7.88% (7.12–7.32% with fees)
Zeus Bolt · four years · owe up to 70% · 7.48–7.83% (7.09–7.37% with fees)
Zeus Bolt · five years · owe up to 70% · 7.48–7.83% (7.17–7.47% with fees)
Zeus Own · four years · owe up to 70% · 7.48–7.83% (7.18–7.37% with fees)
Zeus Own · five years · owe up to 70% · 7.48–7.83% (7.25–7.47% with fees)
Zeus Bolt · four years · owe 70.01–80% · 7.53–7.88% (7.16–7.42% with fees)
Zeus Bolt · five years · owe 70.01–80% · 7.53–7.88% (7.22% with fees)
Zeus Own · four years · owe 70.01–80% · 7.53–7.88% (7.23–7.42% with fees)
Zeus Own · five years · owe 70.01–80% · 7.53–7.88% (7.31–7.52% with fees)

Investment, principal and interest

42 rates

Variable

Zeus Bolt · owe up to 70% · 6.38–6.53% (6.62–6.88% with fees)
Zeus Own · owe up to 70% · 6.38–6.53% (6.70–6.88% with fees)
Zeus Bolt · owe 70.01–80% · 6.43–6.58% (6.67–6.93% with fees)
Zeus Own · owe 70.01–80% · 6.43–6.58% (6.76–6.93% with fees)
Zeus Own · owe 80.01–85% · 6.78–6.83% (7.10–7.18% with fees)
Zeus Own · owe 85.01–90% · 6.83–7.03% (7.18–7.34% with fees)
Zeus Own · owe 90.01–95% · 6.93–7.28% (7.28–7.35% with fees)

Fixed

Zeus Bolt · one year · owe up to 70% · 7.28–7.83% (6.71–7.02% with fees)
Zeus Bolt · two years · owe up to 70% · 7.28–7.83% (6.80–7.15% with fees)
Zeus Bolt · three years · owe up to 70% · 7.28–7.83% (6.88–7.27% with fees)
Zeus Own · one year · owe up to 70% · 7.28–7.83% (6.80–7.02% with fees)
Zeus Own · two years · owe up to 70% · 7.28–7.83% (6.88–7.15% with fees)
Zeus Own · three years · owe up to 70% · 7.28–7.83% (6.97–7.27% with fees)
Zeus Bolt · one year · owe 70.01–80% · 7.33–7.88% (6.76–7.10% with fees)
Zeus Bolt · two years · owe 70.01–80% · 7.33–7.88% (6.86–7.20% with fees)
Zeus Bolt · three years · owe 70.01–80% · 7.33–7.88% (6.93–7.32% with fees)
Zeus Own · one year · owe 70.01–80% · 7.33–7.88% (6.85–7.10% with fees)
Zeus Own · two years · owe 70.01–80% · 7.33–7.88% (6.94–7.20% with fees)
Zeus Own · three years · owe 70.01–80% · 7.33–7.88% (7.02–7.32% with fees)
Zeus Bolt · four years · owe up to 70% · 7.38–7.83% (6.99–7.37% with fees)
Zeus Bolt · five years · owe up to 70% · 7.38–7.83% (7.07–7.47% with fees)
Zeus Own · four years · owe up to 70% · 7.38–7.83% (7.08–7.37% with fees)
Zeus Bolt · four years · owe 70.01–80% · 7.43–7.88% (7.06–7.42% with fees)
Zeus Bolt · five years · owe 70.01–80% · 7.43–7.88% (7.12–7.52% with fees)
Zeus Own · four years · owe 70.01–80% · 7.43–7.88% (7.13–7.42% with fees)
Zeus Own · one year · owe 80.01–85% · 7.68–8.13% (7.20–7.32% with fees)
Zeus Own · two years · owe 80.01–85% · 7.68–8.13% (7.28–7.45% with fees)
Zeus Own · three years · owe 80.01–85% · 7.68–8.13% (7.36–7.57% with fees)
Zeus Own · four years · owe 80.01–85% · 7.78–8.13% (7.48–7.68% with fees)
Zeus Own · five years · owe 80.01–85% · 7.78–8.13% (7.55–7.77% with fees)
Zeus Own · one year · owe 85.01–90% · 7.83–8.13% (7.32–7.44% with fees)
Zeus Own · two years · owe 85.01–90% · 7.83–8.13% (7.45–7.51% with fees)
Zeus Own · three years · owe 85.01–90% · 7.83–8.13% (7.57–7.59% with fees)
Zeus Own · one year · owe 90.01–95% · 7.88–8.23% (7.42–7.66% with fees)
Zeus Own · two years · owe 90.01–95% · 7.88–8.23% (7.55–7.72% with fees)
Zeus Own · three years · owe 90.01–95% · 7.88–8.23% (7.67–7.77% with fees)
Zeus Own · four years · owe 85.01–90% · 7.93–8.13% (7.68–7.69% with fees)
Zeus Own · five years · owe 85.01–90% · 7.93–8.13% (7.76–7.77% with fees)
Zeus Own · four years · owe 90.01–95% · 7.98–8.23% (7.78–7.86% with fees)
Zeus Own · five years · owe 90.01–95% · 7.98–8.23% (7.88–7.92% with fees)

Also published beside these prices, under a different label. None is counted as a price here:

Zeus Own: introductory, published as 7.88%

Investment, interest only

42 rates

Variable

Zeus Build · owe up to 70% · 6.53–6.78% (6.99–7.17% with fees)
Zeus Build · owe 70.01–80% · 6.58–6.83% (7.04–7.22% with fees)
Zeus Bolt · owe up to 70% · 6.73–6.78% (7.02–7.10% with fees)
Zeus Own · owe up to 70% · 6.73–6.78% (7.10% with fees)
Zeus Bolt · owe 70.01–80% · 6.78–6.83% (7.07–7.13% with fees)
Zeus Own · owe 70.01–80% · 6.78–6.83% (7.13–7.15% with fees)
Zeus Build · owe 80.01–85% · 6.83–7.18% (7.55–7.56% with fees)
Zeus Build · owe 85.01–90% · 6.83–7.43% (7.69–7.81% with fees)
Zeus Build · owe 90.01–95% · 6.93–7.68% (8.04–8.06% with fees)
Zeus Own · owe 80.01–85% · 7.03–7.18% (7.38–7.50% with fees)
Zeus Own · owe 85.01–90% · 7.03–7.43% (7.38–7.74% with fees)

Fixed

Zeus Bolt · one year · owe up to 70% · 7.68–8.03% (7.12–7.27% with fees)
Zeus Bolt · two years · owe up to 70% · 7.68–8.03% (7.20–7.40% with fees)
Zeus Bolt · three years · owe up to 70% · 7.68–8.03% (7.28–7.62% with fees)
Zeus Own · one year · owe up to 70% · 7.68–8.03% (7.19–7.22% with fees)
Zeus Own · two years · owe up to 70% · 7.68–8.03% (7.28–7.35% with fees)
Zeus Own · three years · owe up to 70% · 7.68–8.03% (7.36–7.47% with fees)
Zeus Bolt · one year · owe 70.01–80% · 7.73–8.08% (7.16–7.27% with fees)
Zeus Bolt · two years · owe 70.01–80% · 7.73–8.08% (7.26–7.40% with fees)
Zeus Bolt · three years · owe 70.01–80% · 7.73–8.08% (7.33–7.52% with fees)
Zeus Own · one year · owe 70.01–80% · 7.73–8.08% (7.25–7.27% with fees)
Zeus Own · two years · owe 70.01–80% · 7.73–8.08% (7.25–7.40% with fees)
Zeus Own · three years · owe 70.01–80% · 7.73–8.08% (7.42–7.52% with fees)
Zeus Bolt · four years · owe up to 70% · 7.78–8.03% (7.39–7.52% with fees)
Zeus Bolt · five years · owe up to 70% · 7.78–8.03% (7.47–7.72% with fees)
Zeus Own · four years · owe up to 70% · 7.78–8.03% (7.48–7.57% with fees)
Zeus Bolt · five years · owe 70.01% or more · 7.83% (7.52% with fees)
Zeus Bolt · four years · owe 70.01–80% · 7.83–8.08% (7.46–7.62% with fees)
Zeus Bolt · five years · owe 70.01–80% · 7.83–8.08% (7.52–7.72% with fees)
Zeus Own · four years · owe 70.01–80% · 7.83–8.08% (7.53–7.62% with fees)
Zeus Own · one year · owe 80.01–85% · 8.08–8.33% (7.52–7.60% with fees)
Zeus Own · two years · owe 80.01–85% · 8.08–8.33% (7.65–7.68% with fees)
Zeus Own · three years · owe 80.01–85% · 8.08–8.33% (7.77% with fees)
Zeus Own · four years · owe 80.01–85% · 8.18–8.33% (7.88% with fees)
Zeus Own · five years · owe 80.01–85% · 8.18–8.33% (7.96–7.98% with fees)
Zeus Own · one year · owe 85.01–90% · 8.23–8.33% (7.52–7.83% with fees)
Zeus Own · two years · owe 85.01–90% · 8.23–8.33% (7.65–7.91% with fees)
Zeus Own · three years · owe 85.01–90% · 8.23–8.33% (7.77–7.99% with fees)
Zeus Own · four years · owe 85.01–90% · 8.33% (7.88–8.09% with fees)
Zeus Own · five years · owe 85.01–90% · 8.33% (7.98–8.16% with fees)

What changed

Zeus last moved a rate on Tuesday 6 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, 15 publish a lower one than Zeus' 6.08%. The nearest either side:

IMB Bank 6.04%
MyState Bank 6.04%
Zeus 6.08%
gmcu 6.09%
Greater Bank 6.09%

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 Zeus told you, it is usually one of these.

The published data is wrong

Zeus 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: Zeus
ABN: 51119531252
Product Reference Data endpoint: https://public.cdr.zeus.lmglending.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 464

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.

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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.

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.