Compare and save on home loans
Save on your home loan with our nifty comparison tools. Pick a winner from our most popular home loans in the table below, or search the whole market to compare all home loans with ease.
Popular home loans
| Variable rate | Comparison rate* | Key features | ||
|---|---|---|---|---|
St George Discount Variable Rate |
6.29% | 6.35% | Right now you can get 1.1% off the Standard Variable Rate for 12 months | Go to site |
|
St George 1 year Introductory Fixed Rate |
6.29% | 6.46% | Introductory fixed rate for 1 year | Go to site |
RAMS Rate Relief |
5.74% | 5.67% | Get an immediate discount off the standard variable rate for the first 2 years | Go to site |
MyRate.com.au Advantage Loan |
5.28% | 5.28% | No fee home loans. Securely funded by ING Bank (Australia) Ltd. | Go to site |
|
RAMS Basic Loan |
5.41% | 5.47% | RAMS Basic allows you up to 10 years interest only repayments. | Go to site |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
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| Variable rate | Comparison rate* | Key features | ||
|---|---|---|---|---|
|
St George Basic Home Loan |
5.66% | 5.72% | This low-frills home loan offers a low variable interest rate and no monthly fees | Go to site |
|
RAMS Basic Loan |
5.41% | 5.47% | RAMS Basic allows you up to 10 years interest only repayments. | Go to site |
|
MyRate.com.au Advantage Loan |
5.28% | 5.28% | No fee home loans. Securely funded by ING Bank (Australia) Ltd. | Go to site |
|
St George Discount Variable Rate |
6.29% | 6.35% | Right now you can get 1.1% off the Standard Variable Rate for 12 months | Go to site |
|
RAMS Rate Relief |
5.74% | 5.67% | Get an immediate discount off the standard variable rate for the first 2 years | Go to site |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
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| Fixed 3 year rate | Fixed 5 year rate | Comparison rate* | Key features | ||
|---|---|---|---|---|---|
|
RAMS Fixed Rate (Pro Pack 1) |
7.19% | 7.64% | 5.48% | With RAMS Fixed Rate Home Loan, you can borrow up to 95% of the purchase price | Go to site |
|
St George Fixed Rate |
7.49% | 7.89% | 6.81% | Guaranteed interest rate for a set period - choose 1 to 5 years | Go to site |
|
MyRate.com.au Fixed Loan |
7.83% | 8.18% | 6.01% | No fee home loans. Securely funded by ING Bank (Australia) Ltd. | Go to site |
|
RAMS Fixed Rate |
7.19% | 7.64% | 6.47% | Fix your loan for up to 10 years | Go to site |
|
St George 1 year Introductory Fixed Rate |
6.46% | Introductory fixed rate for 1 year | Go to site | ||
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
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| Intro rate | Intro rate term | Comparison rate* | Key features | ||
|---|---|---|---|---|---|
|
St George Discount Variable Rate |
5.16% | 12 Months | 6.35% | Right now you can get 1.1% off the Standard Variable Rate for 12 months | Go to site |
|
RAMS Rate Relief |
5.04% | 24 Months | 5.67% | Get an immediate discount off the standard variable rate for the first 2 years | Go to site |
|
St George 1 year Introductory Fixed Rate |
6.24% | 12 Months | 6.46% | Introductory fixed rate for 1 year | Go to site |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
|||||
| Variable rate | Comparison rate* | Key features | ||
|---|---|---|---|---|
|
RAMS Basic Loan |
5.41% | 5.47% | RAMS Basic allows you up to 10 years interest only repayments. | Go to site |
|
RAMS Rate Relief |
5.74% | 5.67% | Get an immediate discount off the standard variable rate for the first 2 years | Go to site |
|
St George Basic Home Loan |
5.66% | 5.72% | This low-frills home loan offers a low variable interest rate and no monthly fees | Go to site |
|
MyRate.com.au Advantage Loan |
5.28% | 5.28% | No fee home loans. Securely funded by ING Bank (Australia) Ltd. | Go to site |
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
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Compare all home loans
- Search the home loan market at a glance
- Shortlist your finalists to compare head-to-head
- Apply for the loan that best fits your needs
Lowest rate home loans
- - based on comparison interest rate
-
5.28% 1. MyRate.com.au
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5.31% 2. one direct
-
5.40% 3. ANZ
-
5.47% 4. RAMS
-
5.49% 5. Resi
Special home loan offer
Mortgage Choice Brokers
- You can borrow 95% of the home value
- Genuine savings not required
- A competitive variable interest rate (6.05% p.a.)
Health Check your loan
Does your home loan need a reno? Give it a health check! Grab a free personalised report on the best loans for your situation.
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Personal finance news
- – latest money matters
- New kids on the block
Car insurance has become more competitive, which is good news for consumers, writes John Kavanagh.
- A call for counter revolution
It is astounding how little competition really exists in financial services and appalling that it's costing consumers billions of dollars a year. It was a mistake by the Government and the Australian Competition and Consumer Commission to allow the big
- ANZ BANKING GROUP LTD
ANZ followed in the footsteps of its closest rival, National Australia Bank, last week to deliver a full-year earnings result that would be the envy of many offshore peers.
Home Loans guides
- – helpful tips and info
Home Loan calculators
-
Work out your minimum weekly, fortnightly or monthly repayments on your home loan
Loan repayment calculator -
Find out how much you can afford to borrow
Borrowing power calculator -
Find out how much time and interest you can save on your home loan by making extra repayments
Extra repayments calculator -
Work out how much stamp duty is payable on a home
Stamp duty calculator -
Find out how much time and interest you can save on your home loan by making a lump sum contribution
Lump sum repayments calculator -
See your repayments with a loan split between fixed and variable rates
Split loan calculator
Home Loan Broker
Mortgage Choice
- You can borrow 95% of the home value
- Genuine savings not required
