{ "meta": { "site": "Home Loan Rates AU", "as_of": "2026-09-16", "cash_rate_rba": "4.35%", "cash_rate_effective": "2026-08-12", "note": "Owner-occupier, principal & interest. Rates are indicative — verify with the bank before applying. Comparison rates include most fees.", "disclaimer": "This site is for information only and does not constitute financial advice. Rates change frequently. Always confirm current rates directly with the lender before making decisions.", "sources": { "cba": "https://www.commbank.com.au/home-loans/interest-rates.html", "nab": "https://www.nab.com.au/personal/interest-rates-fees-and-charges/home-loan-interest-rates", "westpac": "https://www.westpac.com.au/personal-banking/home-loans/all-interest-rates/", "anz": "https://www.anz.com.au/personal/home-loans/interest-rates/", "aussie": "https://www.aussie.com.au/home-loans/aussies-own-home-loans/ (rate card PDF, effective 10 September 2026)", "macquarie": "https://www.macquarie.com.au/home-loans/home-loan-rates.html", "ing": "https://www.ing.com.au/rates-and-fees/home-loan-rates.html", "bankwest": "https://www.bankwest.com.au/rates/home-loan-rates", "stgeorge": "https://www.stgeorge.com.au/personal/home-loans/home-loan-interest-rates", "bankofmelbourne": "https://www.bankofmelbourne.com.au/personal/home-loans/home-loan-interest-rates", "banksa": "https://www.banksa.com.au/personal/home-loans/home-loan-interest-rates", "suncorp": "https://www.suncorpbank.com.au/interest-rates/home-loans.html", "bendigo": "https://www.bendigobank.com.au/personal/home-loans/rates/", "boq": "https://www.boq.com.au/personal/help-and-support/rates-and-fees/home-loan-rates-owner-occupier", "ubank": "https://www.ubank.com.au/home-loans/interest-rates-and-fees", "amp": "https://www.amp.com.au/home-loans/interest-rates-fees", "hsbc": "https://www.hsbc.com.au/home-loans/products/rates/", "boc": "https://www.bankofchina.com/au/en/bocinfo/bi5/ (dated home loan rate pages, current effective 1 July 2026)", "bankofsydney": "https://www.banksyd.com.au/interest-rates/home-loans", "mystate": "https://mystate.com.au/home-loans/", "greatsouthern": "https://www.greatsouthernbank.com.au/help-and-contact/managing-your-accounts/interest-rates", "bankaust": "https://www.bankaust.com.au/banking/home-loans/home-loan-rates-and-fees", "me": "https://www.mebank.com.au/home-loans/rates/owner-occupier/", "newcastle": "https://www.newcastlepermanent.com.au/personal/home-loans/home-loan-interest-rates", "peopleschoice": "https://www.peoplefirstbank.com.au/rates/home-loan-rates (trading as People First Bank since the Heritage/People's Choice merger)", "teachersmutual": "https://www.tmbank.com.au/rates", "qudos": "https://www.qudosbank.com.au/products/rates/home-loan-rates", "imb": "https://www.imb.com.au/help-centre/rates-and-fees/home-loan-rates-and-fees/owner-occupier-home-loans", "policebank": "https://www.policebank.com.au/home-loan-interest-rates (rendered with headless chromium)", "firstmac": "https://www.firstmac.com.au/accreditation/products-and-rates (public rate card, no login; owner-occupier P&I — variable at LVR ≤ 80%, fixed at LVR ≤ 90%)", "resimac": "https://broker.resimac.com.au/rates (broker rate card — no consumer rate table)", "liberty": "https://www.liberty.com.au/home-loans", "pepper-money": "https://www.peppermoney.com.au/home-loans/variable", "latrobe": "https://www.latrobefinancial.com.au/lending/employed-loan/", "redzed": "https://www.redzed.com/loans/self-employed-home-loans/ (self-employed borrowers only; 6.87% at LVR 50% or less)", "well-money": "https://wellmoney.com.au/interest-rates-and-fees/", "unloan": "https://www.unloan.com.au/home-loan", "tiimelyhome": "https://tiimelyhome.com.au/home-loans (formerly Tic:Toc)", "athena": "https://www.athena.com.au/our-loans", "beyondbank": "https://www.beyondbank.com.au/home-loans/all-interest-rates/", "bluestone": "https://bluestone.com.au/our-rates/", "defencebank": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/home-loans/", "homeloans": "https://www.homeloans.com.au/rates-tables (effective 15 May 2026)" }, "last_auto_update": "2026-09-16T08:01+10:00" }, "banks": [ { "bank": "Commonwealth Bank", "loans": [ { "name": "Digi Home Loan", "variable": { "rate": 6.09, "comparison": 6.22, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No annual fee; up to $10,000 extra repayments/yr" }, "offers": [], "auto": "digi:variable" }, { "name": "Standard Variable Rate (Complete)", "variable": { "rate": 6.34, "comparison": 6.72, "note": "LVR ≤60%; up to 7.74% at LVR 90-95% · auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": 395, "other": "Wealth Package annual fee $395 (waived 1st yr options apply)" }, "offers": [], "auto": "svr:variable" }, { "name": "Simple Home Loan", "variable": { "rate": 6.34, "comparison": 6.59, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 300, "annual": 240, "other": "$300 upfront + $20/mo loan service fee; discount margin needs a $150,000+ balance; $10/mo offset feature fee if linked" }, "offers": [], "auto": "simple:variable" }, { "name": "Fixed Rate Home Loan (Complete)", "variable": null, "fixed": [ { "years": 1, "rate": 6.49 }, { "years": 2, "rate": 6.34 }, { "years": 3, "rate": 6.59 }, { "years": 4, "rate": 6.64 }, { "years": 5, "rate": 6.79 } ], "fees": { "application": null, "annual": 395, "other": "Wealth Package fee applies; package discount 0.15% off fixed rates" }, "offers": [], "auto": "fixed" } ], "slug": "cba", "about": "Australia's largest bank by market capitalisation and one of the Big Four banks; a major home lender to millions of retail customers.", "website": "https://www.commbank.com.au", "contact": "13 22 24 (home loans, incl. new applications); general enquiries 13 2221" }, { "bank": "NAB", "loans": [ { "name": "NAB Tailored Home Loan (variable with offset)", "variable": { "rate": 6.09, "comparison": 6.22, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No annual fee on Tailored; offset available" }, "offers": [], "auto": "variable" }, { "name": "NAB Base Variable Rate Home Loan", "variable": { "rate": 6.44, "comparison": null, "note": "no-offset basic loan" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No ongoing fees" }, "offers": [] }, { "name": "NAB Choice Package — Principal & Interest", "variable": null, "fixed": [ { "years": 1, "rate": 6.44 }, { "years": 2, "rate": 6.34 }, { "years": 3, "rate": 6.49 }, { "years": 4, "rate": 6.49 }, { "years": 5, "rate": 6.49 } ], "fees": { "application": null, "annual": 395, "other": "Choice Package annual fee $395" }, "offers": [], "auto": "fixed" } ], "slug": "nab", "about": "One of Australia's Big Four banks, headquartered in Melbourne; a major home lender serving around 10 million customers.", "website": "https://www.nab.com.au", "contact": "13 78 79 (home loans, new or existing); general enquiries 13 22 65" }, { "bank": "Westpac", "loans": [ { "name": "Flexi First Option Home Loan", "variable": { "rate": 5.99, "comparison": 6.0, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No ongoing fees; offset not included" }, "offers": [], "auto": "variable" }, { "name": "Premier Advantage Package (variable)", "variable": { "rate": 6.34, "comparison": null, "note": "with package discount, P&I" }, "fixed": [], "fees": { "application": null, "annual": 395, "other": "Premier Advantage annual fee $395; offset included" }, "offers": [] }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.44 }, { "years": 2, "rate": 6.76 }, { "years": 3, "rate": 6.54 }, { "years": 4, "rate": 6.69 }, { "years": 5, "rate": 6.54 } ], "fees": { "application": null, "annual": 395, "other": "Package fee applies for Premier Advantage fixed rates (6.93% 2yr with package)" }, "offers": [], "auto": "fixed" } ], "slug": "westpac", "about": "One of Australia's Big Four banks and the country's oldest bank (founded 1817); headquartered in Sydney.", "website": "https://www.westpac.com.au", "contact": "132 558 (home loans, new or existing/refinancing); general enquiries 132 032" }, { "bank": "ANZ", "loans": [ { "name": "ANZ Simplicity PLUS", "variable": { "rate": 6.39, "comparison": 6.39, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No annual fee; no offset" }, "offers": [ { "text": "First home buyers: $3,000 cashback on loans ≥$250k (new loans only, not refinance)" } ], "auto": "variable" }, { "name": "ANZ Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.34, "comparison": 7.15 }, { "years": 2, "rate": 6.29, "comparison": 7.05 }, { "years": 3, "rate": 6.49, "comparison": 7.02 }, { "years": 4, "rate": 6.54, "comparison": 6.98 }, { "years": 5, "rate": 6.59, "comparison": 6.95 } ], "fees": { "application": null, "annual": null, "other": "Breakfree package $395/yr available for discount" }, "offers": [], "auto": "fixed" } ], "slug": "anz", "about": "One of Australia's Big Four banks, headquartered in Melbourne; operates across Australia, New Zealand and the Asia-Pacific.", "website": "https://www.anz.com.au", "contact": "1800 100 641 (Home Loan Hotline, Mon-Fri 8am-7pm); general enquiries 13 13 14" }, { "bank": "Aussie", "slug": "aussie", "type": "broker", "loans": [ { "name": "Aussie Elevate Variable Basic", "variable": { "rate": 6.09, "comparison": 6.11, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "elevate:variable" }, { "name": "Aussie Elevate Fixed Basic", "variable": null, "fixed": [ { "years": 1, "rate": 6.49 }, { "years": 2, "rate": 6.54 }, { "years": 3, "rate": 6.49 }, { "years": 4, "rate": 6.54 }, { "years": 5, "rate": 6.54 } ], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "elevate:fixed" }, { "name": "Aussie Select Basic Variable", "variable": { "rate": 6.28, "comparison": 6.29, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "select:variable" }, { "name": "Aussie Select Basic Fixed", "variable": null, "fixed": [ { "years": 1, "rate": 6.74 }, { "years": 2, "rate": 6.79 }, { "years": 3, "rate": 6.74 }, { "years": 4, "rate": 6.79 }, { "years": 5, "rate": 6.79 } ], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "select:fixed" } ], "about": "Aussie is one of Australia's best-known home loan brands and part of Lendi Group, acting as a broker across a wide panel of lenders as well as offering its own range. Aussie Elevate loans are funded by Bendigo and Adelaide Bank; the newer Aussie Select range is funded through Residential Mortgage Group, a Commonwealth Bank subsidiary. Rates shown are the owner-occupier, principal & interest Basic products at LVR ≤ 60%.", "website": "https://www.aussie.com.au", "contact": "13 13 33 (Mon-Fri 8:30am-6:30pm AEST)" }, { "bank": "Macquarie Bank", "loans": [ { "name": "Basic Home Loan", "variable": { "rate": 6.04, "comparison": 6.06, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No ongoing fees" }, "offers": [], "auto": "variable" }, { "name": "Offset Home Loan", "variable": { "rate": 6.35, "comparison": null, "note": "≤60% LVR" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Offset account; min $20k on variable" }, "offers": [] }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.39 }, { "years": 3, "rate": 6.39 }, { "years": 4, "rate": 6.44 }, { "years": 5, "rate": 6.44 } ], "fees": { "application": null, "annual": null, "other": "No ongoing fees; up to $10k extra repayments/yr" }, "offers": [], "auto": "fixed" } ], "slug": "macquarie", "about": "Australia's largest investment bank and diversified financial services group; offers retail home loans through Macquarie Bank.", "website": "https://www.macquarie.com.au", "contact": "+61 2 8550 5666 (banking incl. home loans, 24/7); online call-back request for home loan specialists" }, { "bank": "ING", "slug": "ing", "loans": [ { "name": "Mortgage Simplifier", "variable": { "rate": 5.99, "comparison": 6.09, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": 299, "other": "No annual fee on Mortgage Simplifier; Orange Advantage package $299/yr" }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 2, "rate": 6.59 } ], "fees": { "application": null, "annual": null, "other": "Fixed terms 1-5 years available" }, "offers": [], "auto": "fixed" } ], "about": "Branchless digital bank and the Australian arm of Netherlands-based ING Group; offers home loans, savings and everyday banking via app and online.", "website": "https://www.ing.com.au", "contact": "1800 100 258 (new home loan enquiries); 133 464 (existing home loan customers)" }, { "bank": "Bankwest", "slug": "bankwest", "loans": [ { "name": "Complete Home Loan", "variable": { "rate": 6.19, "comparison": 6.22, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" }, { "name": "Complete Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.24 }, { "years": 2, "rate": 6.89 }, { "years": 3, "rate": 6.49 } ], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "fixed" } ], "about": "Perth-based retail and business bank; a wholly owned subsidiary of Commonwealth Bank of Australia.", "website": "https://www.bankwest.com.au", "contact": "13 17 19 (home loan enquiries); overseas +61 8 9449 2840" }, { "bank": "St George Bank", "slug": "stgeorge", "loans": [ { "name": "Basic Variable Home Loan", "variable": { "rate": 6.29, "comparison": 6.17, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" }, { "name": "Variable Home Loan with Offset", "variable": { "rate": 6.07, "comparison": 6.18, "note": "Owner-occupier P&I, LVR 70-80%; 100% offset" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No annual fee" }, "offers": [], "auto": null }, { "name": "Advantage Package Fixed Rate", "variable": null, "fixed": [ { "years": 1, "rate": 6.74 }, { "years": 2, "rate": 6.54 }, { "years": 3, "rate": 6.84 }, { "years": 4, "rate": 6.99 }, { "years": 5, "rate": 6.99 } ], "fees": { "application": null, "annual": 395, "other": "Package annual fee $395" }, "offers": [], "auto": "fixed" } ], "about": "Sydney-based bank within the Westpac Group; serves personal and business customers with a strong home-loan offering.", "website": "https://www.stgeorge.com.au", "contact": "13 33 30 (general and home loan enquiries); overseas +61 2 9155 7800" }, { "bank": "BankSA", "slug": "banksa", "type": "bank", "loans": [ { "name": "Basic Home Loan (variable)", "variable": { "rate": 6.29, "comparison": 6.3, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest at LVR up to 70% (the lowest band the brand publishes). Rate includes a 1.83% p.a. discount off the Basic home loan variable rate for new owner-occupier P&I loans." }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan (LVR up to 70%)", "variable": null, "fixed": [ { "years": 1, "rate": 6.64 }, { "years": 2, "rate": 6.54 }, { "years": 3, "rate": 6.74 }, { "years": 4, "rate": 6.89 }, { "years": 5, "rate": 6.89 } ], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest, LVR up to 70% (includes a 0.10% p.a. discount). A 0.30% p.a. margin applies on lending above 80% LVR." }, "offers": [], "auto": "fixed" } ], "about": "BankSA is the South Australian retail banking brand of Westpac Banking Corporation and shares the Westpac Group home loan rate card with Westpac, St.George and Bank of Melbourne.", "website": "https://www.banksa.com.au", "contact": "13 13 76" }, { "bank": "Bank of Melbourne", "slug": "bankofmelbourne", "type": "bank", "loans": [ { "name": "Basic Home Loan (variable)", "variable": { "rate": 6.29, "comparison": 6.3, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest at LVR up to 70% (the lowest band the brand publishes). Rate includes a 1.82% p.a. discount off the Basic home loan variable rate for new owner-occupier P&I loans." }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan (LVR up to 70%)", "variable": null, "fixed": [ { "years": 1, "rate": 6.64 }, { "years": 2, "rate": 6.54 }, { "years": 3, "rate": 6.74 }, { "years": 4, "rate": 6.89 }, { "years": 5, "rate": 6.89 } ], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest, LVR up to 70% (includes a 0.10% p.a. discount). A 0.30% p.a. margin applies on lending above 80% LVR. Published comparison rates sit near 8.6% because they assume reversion to the undiscounted standard variable rate." }, "offers": [], "auto": "fixed" } ], "about": "Bank of Melbourne is a Victorian retail banking brand of Westpac Banking Corporation, launched in 2011. It shares the Westpac Group home loan rate card and product range, so its published rates track Westpac, BankSA and St.George.", "website": "https://www.bankofmelbourne.com.au", "contact": "13 22 66" }, { "bank": "Suncorp Bank", "slug": "suncorp", "loans": [ { "name": "Back to Basics Variable (Special)", "variable": { "rate": 6.08, "comparison": 6.14, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.24 }, { "years": 2, "rate": 6.24 }, { "years": 3, "rate": 6.24 }, { "years": 5, "rate": 6.24 } ], "fees": { "application": null, "annual": null, "other": "1, 2, 3 or 5 year fixed terms, LVR <=95%" }, "offers": [], "auto": "fixed" } ], "about": "Australian retail bank owned by ANZ Group operating under licence of the Suncorp brand; offers home loans, savings and business banking.", "website": "https://www.suncorpbank.com.au", "contact": "13 11 75 (general enquiries incl. home loans); overseas +61 7 3362 1712" }, { "bank": "Bendigo Bank", "slug": "bendigo", "loans": [ { "name": "Easy Home Loan", "variable": { "rate": 5.89, "comparison": 6.41, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or ongoing fees" }, "offers": [], "auto": "variable" }, { "name": "Complete Home Loan (Variable)", "variable": { "rate": 5.89, "comparison": 6.02, "note": "Owner-occupier P&I; no fees" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application, ongoing monthly or annual fees" }, "offers": [], "auto": null }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.39 } ], "fees": { "application": 0, "annual": 0, "other": "Express and Easy fixed options" }, "offers": [], "auto": "fixed" } ], "about": "Regional bank headquartered in Bendigo, Victoria; part of Bendigo and Adelaide Bank, one of Australia's largest regional banking groups with over 500 branches and Community Bank outlets.", "website": "https://www.bendigobank.com.au", "contact": "1300 236 344 (home loan specialists and general enquiries); +61 3 5445 0666 from overseas" }, { "bank": "Bank of Queensland (BOQ)", "slug": "boq", "loans": [ { "name": "Economy Variable Home Loan", "variable": { "rate": 6.03, "comparison": 6.09, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application fee; free residential valuation on application" }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 2, "rate": 6.59 }, { "years": 3, "rate": 6.64 }, { "years": 4, "rate": 7.14 }, { "years": 5, "rate": 7.14 } ], "fees": { "application": null, "annual": null, "other": "Fixed terms up to 5 years" }, "offers": [], "auto": "fixed" } ], "about": "Regional bank headquartered in Brisbane, Queensland, founded in 1874; part of the BOQ Group, one of Australia's larger regional banking groups, offering personal, business and home loan products.", "website": "https://www.boq.com.au", "contact": "1300 55 72 72 (general and home loan enquiries)" }, { "bank": "ubank", "slug": "ubank", "loans": [ { "name": "Neat Variable Home Loan", "variable": { "rate": 6.09, "comparison": 6.11, "note": "Owner-occupier P&I, LVR <=60%; no offset" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" }, { "name": "Reach Variable Home Loan", "variable": { "rate": 6.24, "comparison": 6.28, "note": "Owner-occupier P&I; 100% offset included" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No annual fee" }, "offers": [], "auto": null }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.19 }, { "years": 2, "rate": 6.19 }, { "years": 3, "rate": 6.24 } ], "fees": { "application": 0, "annual": 0, "other": "Fixed terms 1-5 years" }, "offers": [], "auto": "fixed" } ], "about": "Digital-only bank owned by National Australia Bank (NAB), formed from the merger of ubank and 86 400 in 2021; offers retail banking and home loans entirely online with no branches.", "website": "https://www.ubank.com.au", "contact": "13 30 80 (within Australia) or +61 2 9070 0202 (overseas); in-app chat support" }, { "bank": "AMP Bank", "slug": "amp", "loans": [ { "name": "Essential Home Loan", "variable": { "rate": 5.99, "comparison": 6.05, "note": "Owner-occupier P&I, loan $750k+; 6.19% for $250k+" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" } ], "about": "AMP Bank is the banking arm of AMP Ltd, a major Australian financial services group; offers home loans, deposits and transaction accounts, headquartered in Sydney.", "website": "https://www.amp.com.au", "contact": "13 30 30 (banking enquiries, 8am-8pm Mon-Fri); email info@ampbanking.com.au" }, { "bank": "HSBC Australia", "slug": "hsbc", "loans": [ { "name": "Premium Home Loan (Variable)", "variable": { "rate": 5.94, "comparison": 6.0, "note": "auto-updated 2026-09-02" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.29 }, { "years": 2, "rate": 6.29 }, { "years": 3, "rate": 6.39 } ], "fees": { "application": 0, "annual": 0, "other": "Fixed rate lock fee applies" }, "offers": [], "auto": "fixed" } ], "about": "Australian arm of HSBC, one of the world's largest banking groups; provides personal banking, home loans and wealth services from branches in major Australian cities.", "website": "https://www.hsbc.com.au", "contact": "1300 308 008 (personal banking and home loan customers, 24/7)" }, { "bank": "Bank of China (Australia)", "slug": "boc", "loans": [ { "name": "Clear Path Variable Home Loan", "variable": { "rate": 5.93, "comparison": 5.97, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No annual fee" }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.29 }, { "years": 2, "rate": 6.29 } ], "fees": { "application": null, "annual": null, "other": "" }, "offers": [], "auto": "fixed" } ], "about": "Australian subsidiary of Bank of China, one of China's largest state-owned banks; operates branches in Sydney, Melbourne and other major cities offering personal, home loan and corporate banking.", "website": "https://www.bankofchina.com/au/en/", "contact": "1800 095 566 (services hotline)" }, { "bank": "Bank of Sydney", "slug": "bankofsydney", "loans": [ { "name": "BOS Basic Home Loan", "variable": { "rate": 6.09, "comparison": 6.13, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No monthly or annual fees. Settlement fee $200 and legal fees $250 plus $100 per additional security; valuation fees up to $420 covered by the bank." }, "offers": [ { "text": "No monthly or annual fees" }, { "text": "Free redraw via Internet Banking, no cost for extra repayments" }, { "text": "Valuation fees up to $420 covered by the bank" } ], "auto": "basic:variable" }, { "name": "Expect More Home Loan", "variable": { "rate": 6.29, "comparison": 6.44, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": 125, "other": "Package fee $125 p.a. per offset account. Settlement fee $200; valuation fees up to $420 covered by the bank." }, "offers": [ { "text": "100% offset account with free redraw" }, { "text": "Fixed and variable rate options available" }, { "text": "Mozo Expert Choice Awards 2023 — Low-Cost & Offset Home Loan" } ], "auto": "expectmore:variable" } ], "about": "Bank of Sydney is an Australian deposit-taking bank (ADI), formerly Beirut Hellenic Bank, with retail branches in Sydney, Melbourne and Adelaide. Its owner-occupier range is the no-frills BOS Basic Home Loan and the offset-equipped Expect More Home Loan. Rates shown are owner-occupier, principal & interest at LVR 60% or below.", "website": "https://www.banksyd.com.au", "contact": "13 95 00 (Mon-Fri); branches in Sydney, Melbourne and Adelaide" }, { "bank": "MyState Bank", "slug": "mystate", "loans": [ { "name": "Basic Variable Home Loan", "variable": { "rate": 6.04, "comparison": 6.07, "note": "Owner-occupier P&I, LVR <=70%; 6.09% at LVR <=80%" }, "fixed": [], "fees": { "application": 0, "annual": null, "other": "Settlement fee $300; no annual fee" }, "offers": [], "auto": "variable" }, { "name": "Special Residential Home Loan", "variable": { "rate": 6.04, "comparison": 6.09, "note": "Owner-occupier P&I, LVR <=70%; offset available" }, "fixed": [], "fees": { "application": 300, "annual": null, "other": "Settlement fee $350; no annual fee" }, "offers": [], "auto": null }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.49 }, { "years": 2, "rate": 6.49 }, { "years": 3, "rate": 6.54 }, { "years": 5, "rate": 6.89 } ], "fees": { "application": 300, "annual": null, "other": "Fixed rate lock-in fee $395 or 0.15% (whichever greater)" }, "offers": [], "auto": "fixed" } ], "about": "Tasmanian bank headquartered in Hobart, a wholly owned subsidiary of listed company MyState Limited; offers retail banking and home loans in Tasmania and across mainland Australia.", "website": "https://www.mystate.com.au", "contact": "138 001 (Customer Care, Mon-Fri 8am-6pm); +61 3 6233 0679 from overseas" }, { "bank": "Great Southern Bank", "slug": "greatsouthern", "loans": [ { "name": "Basic Variable Home Loan", "variable": { "rate": 6.04, "comparison": 6.1, "note": "Owner-occupier P&I, LVR <=70%; 6.24% at LVR 70-80%" }, "fixed": [], "fees": { "application": 600, "annual": null, "other": "Securities admin fee $235; discharge $500" }, "offers": [], "auto": "variable" }, { "name": "Offset Variable Home Loan", "variable": { "rate": 6.14, "comparison": 6.2, "note": "Owner-occupier P&I, LVR <=70%; offset included" }, "fixed": [], "fees": { "application": 600, "annual": null, "other": "Securities admin fee $235" }, "offers": [], "auto": null }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.35 }, { "years": 2, "rate": 6.4 }, { "years": 3, "rate": 6.35 }, { "years": 5, "rate": 6.3 } ], "fees": { "application": 600, "annual": null, "other": "Fixed rate lock fee $600" }, "offers": [], "auto": "fixed" } ], "about": "Customer-owned (mutual) bank operating as the business name of Credit Union Australia (CUA); one of Australia's largest mutual banks, headquartered in Brisbane with branches nationwide.", "website": "https://www.greatsouthernbank.com.au", "contact": "133 282 (general enquiries, Mon-Fri 8am-7pm AEST)" }, { "bank": "Bank Australia", "slug": "bankaust", "loans": [ { "name": "Clean Energy Home Loan", "variable": { "rate": 5.88, "comparison": 6.21, "note": "Owner-occupier P&I, new build, LVR <=90%" }, "fixed": [], "fees": { "application": 0, "annual": 199, "other": "Discharge $275 + govt fees" }, "offers": [], "auto": "variable" }, { "name": "Basic Home Loan", "variable": { "rate": 6.13, "comparison": 6.13, "note": "Owner-occupier P&I, LVR <=70%" }, "fixed": [ { "years": 1, "rate": 6.34 }, { "years": 2, "rate": 6.39 }, { "years": 3, "rate": 6.49 }, { "years": 5, "rate": 6.59 } ], "fees": { "application": 0, "annual": 0, "other": "Redraw $0; discharge $275 + govt fees" }, "offers": [], "auto": null } ], "about": "Customer-owned bank based in Collingwood, Victoria, tracing its origins to the CSIRO Co-operative Credit Society (1957); one of Australia's larger customer-owned banks.", "website": "https://www.bankaust.com.au/", "contact": "132 888 (Australia-wide), +61 3 9854 4666 (outside Australia); secure messaging via app or internet banking" }, { "bank": "ME Bank", "slug": "me", "loans": [ { "name": "EconoME Home Loan", "variable": { "rate": 5.99, "comparison": 6.01, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "Settlement fee $150; rate lock $750" }, "offers": [ "$3,000 cashback for refinancers (min $700k loan, max 80% LVR; ends 28 Aug 2026)" ], "auto": "variable" }, { "name": "EconoME Home Loan — Fixed Rate", "variable": null, "fixed": [ { "years": 1, "rate": 6.54 }, { "years": 2, "rate": 6.24 }, { "years": 3, "rate": 6.29 }, { "years": 4, "rate": 6.94 }, { "years": 5, "rate": 6.94 } ], "fees": { "application": 0, "annual": 0, "other": "Settlement fee $150; rate lock $750" }, "offers": [], "auto": "fixed" } ], "about": "Customer-owned, digital-focused bank based in Melbourne; a division of Bank of Queensland Limited since 2021. Offers home loans and everyday banking.", "website": "https://www.mebank.com.au/", "contact": "13 15 63, Mon-Fri 8am-8pm AEST and Sat 9am-5pm AEST; in-app chat and online forms available" }, { "bank": "Newcastle Permanent", "slug": "newcastle", "loans": [ { "name": "Real Deal Home Loan - Special", "variable": { "rate": 5.94, "comparison": 6.03, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No ongoing fees" }, "offers": [ "Up to $3,000 cashback for online applications ($2,500 for $250k-$499k, $3,000 for $500k+)" ], "auto": "variable" }, { "name": "Premium Plus Package Variable", "variable": { "rate": 5.94, "comparison": 6.48, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Package loan" }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan (Special)", "variable": null, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.29 }, { "years": 3, "rate": 6.49 }, { "years": 4, "rate": 6.59 }, { "years": 5, "rate": 6.59 } ], "fees": { "application": null, "annual": null, "other": "LVR <=80%" }, "offers": [], "auto": "fixed" } ], "about": "Mutual building society based in Newcastle, NSW, part of Newcastle Greater Mutual Group; among Australia's largest building societies.", "website": "https://www.newcastlepermanent.com.au/", "contact": "13 19 87 (general and home loan enquiries), +61 2 4907 6501 from overseas; online enquiry form" }, { "bank": "People's Choice (People First Bank)", "slug": "peopleschoice", "loans": [ { "name": "Basic Variable Home Loan", "variable": { "rate": 5.99, "comparison": 6.0, "note": "OO P&I" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or ongoing fees; discharge $350" }, "offers": [], "auto": "variable" }, { "name": "Home Loan Package Standard", "variable": { "rate": 5.99, "comparison": 6.04, "note": "OO P&I; offset included" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Package loan" }, "offers": [], "auto": null }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.29 }, { "years": 2, "rate": 6.24 }, { "years": 3, "rate": 6.29 }, { "years": 4, "rate": 6.39 }, { "years": 5, "rate": 6.39 } ], "fees": { "application": null, "annual": null, "other": "" }, "offers": [ "3yr Fixed First Home Buyer Offer: 6.19% (LVR <80%)" ], "auto": "fixed" } ], "about": "Customer-owned bank based in Adelaide, SA; merged with Heritage Bank in 2023 to form People First Bank. Operates the People's Choice brand.", "website": "https://www.peopleschoice.com.au/", "contact": "13 11 82 (24/7 Customer Hub); online enquiry/contact form via peopleschoice.com.au" }, { "bank": "Teachers Mutual Bank", "slug": "teachersmutual", "loans": [ { "name": "Your Way Basic Variable", "variable": { "rate": 5.99, "comparison": 6.02, "note": "OO P&I, LVR <=60%" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or annual fees" }, "offers": [], "auto": "variable" }, { "name": "Your Way Plus Variable Package", "variable": { "rate": 5.99, "comparison": 6.05, "note": "OO P&I, LVR <=60%" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Package loan" }, "offers": [], "auto": null }, { "name": "Your Way Plus Fixed Package", "variable": null, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.44 }, { "years": 3, "rate": 6.54 }, { "years": 4, "rate": 6.59 } ], "fees": { "application": null, "annual": null, "other": "" }, "offers": [], "auto": "fixed" } ], "about": "Customer-owned bank based in Sydney serving education-sector employees and their families; part of the Teachers Mutual Bank Group.", "website": "https://www.tmbank.com.au/", "contact": "13 12 21, +61 2 9735 9111 (outside Australia); secure message in Internet Banking or the app" }, { "bank": "Qudos Bank", "slug": "qudos", "loans": [ { "name": "No Frills Home Loan", "variable": { "rate": 6.13, "comparison": 6.19, "note": "OO P&I" }, "fixed": [], "fees": { "application": 595, "annual": 0, "other": "Establishment fee $595; no annual fee" }, "offers": [], "auto": "variable" }, { "name": "Low Cost Home Loan (Value Package)", "variable": { "rate": 6.13, "comparison": 6.2, "note": "OO P&I; offset included" }, "fixed": [], "fees": { "application": 595, "annual": null, "other": "" }, "offers": [ "Qudos merged with Bank Australia (2025); new customers directed to Bank Australia" ], "auto": null }, { "name": "Fixed Rate Home Loan 80", "variable": null, "fixed": [ { "years": 1, "rate": 6.34 }, { "years": 2, "rate": 6.39 }, { "years": 3, "rate": 6.49 }, { "years": 4, "rate": 6.59 }, { "years": 5, "rate": 6.59 } ], "fees": { "application": 595, "annual": null, "other": "" }, "offers": [], "auto": "fixed" } ], "about": "Customer-owned bank based in Sydney, tracing its roots to a 1959 credit union for Qantas staff; serves aviation industry and other members.", "website": "https://www.qudosbank.com.au/", "contact": "1300 747 747 (contact centre); online enquiry form on qudosbank.com.au" }, { "bank": "IMB Bank", "slug": "imb", "loans": [ { "name": "Budget Home Loan", "variable": { "rate": 6.04, "comparison": 6.03, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "" }, "offers": [ "Up to $4,000 cashback: $2,000 ($250k-$499k), $3,000 ($500k-$749k), $4,000 ($750k+); LVR <=80%" ], "auto": "variable" }, { "name": "Essentials Home Loan", "variable": { "rate": 6.09, "comparison": 6.2, "note": "OO P&I, LVR up to 70%" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "" }, "offers": [], "auto": null }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 1, "rate": 6.24 }, { "years": 2, "rate": 6.24 }, { "years": 3, "rate": 6.24 }, { "years": 4, "rate": 6.39 }, { "years": 5, "rate": 6.39 } ], "fees": { "application": null, "annual": null, "other": "OO P&I, LVR up to 95%" }, "offers": [], "auto": "fixed" } ], "about": "Customer-owned bank (mutual) based in Wollongong, NSW, operating for more than 145 years; one of Australia's oldest financial institutions.", "website": "https://www.imb.com.au/", "contact": "133 462 (Australia), +61 2 4298 0111 (overseas); online General Enquiry Form" }, { "bank": "Police Bank", "slug": "policebank", "type": "bank", "loans": [ { "name": "GoldRate Home Loan — Variable", "variable": { "rate": 5.99, "comparison": 6.06, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999." }, "offers": [ { "text": "100% offset account with no ongoing monthly or annual fees" }, { "text": "Up to $3,000 refinance cashback (loans ≥$500k and LVR ≤80%; $2,000 for $300k-499k, offer period applies)" } ], "auto": "goldrate:variable" }, { "name": "GoldRate Home Loan — Fixed", "variable": null, "fixed": [ { "years": 1, "rate": 6.34, "comparison": 6.1 }, { "years": 2, "rate": 6.34, "comparison": 6.13 }, { "years": 3, "rate": 5.94, "comparison": 6.05 }, { "years": 5, "rate": 6.59, "comparison": 6.33 } ], "fees": { "application": null, "annual": null, "other": "No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999." }, "offers": [], "auto": "goldrate:fixed" }, { "name": "Police Value Home Loan — Variable", "variable": { "rate": 5.94, "comparison": 6.01, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999." }, "offers": [ { "text": "Available only to current and retired employees of an Australian police force, uniformed or civilian" }, { "text": "Up to $3,000 refinance cashback (loans ≥$500k and LVR ≤80%; $2,000 for $300k-499k, offer period applies)" } ], "auto": "policevalue:variable" }, { "name": "Police Value Home Loan — Fixed", "variable": null, "fixed": [ { "years": 1, "rate": 6.24, "comparison": 6.04 }, { "years": 2, "rate": 6.24, "comparison": 6.07 }, { "years": 3, "rate": 5.84, "comparison": 5.99 }, { "years": 5, "rate": 6.49, "comparison": 6.26 } ], "fees": { "application": null, "annual": null, "other": "No ongoing monthly or annual fee on the offset account (offset is available on variable rate products only). Rate lock fee $600. An early repayment fee applies if the loan is repaid or refinanced before the end of a fixed term, or if extra repayments exceed $9,999." }, "offers": [], "auto": "policevalue:fixed" } ], "about": "Police Bank is a customer-owned mutual bank (ABN 95 087 650 799) with branches across NSW, the ACT, Victoria and Tasmania, and has served police and their families for more than 60 years. Its owner-occupier range is the GoldRate Home Loan and the Police Value Home Loan — the latter only for current and retired employees of an Australian police force. Rates shown are owner-occupier, principal & interest at LVR 60% or below. Police Bank also publishes a First Home Loan at LVR 80-98%, open only to applicants eligible for the Australian Government 5% Deposit Scheme; it is not listed above because that LVR band is not comparable with the rest of this table.", "website": "https://www.policebank.com.au", "contact": "131 728 (Mon-Fri 8am-6pm AEST); email info@policebank.com.au" }, { "bank": "Defence Bank", "slug": "defencebank", "type": "bank", "loans": [ { "name": "Premier Low Rate Home Loan", "variable": { "rate": 6.24, "comparison": 6.24, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest at LVR up to 70% (6.49% p.a. at LVR above 70%). A DHOAS version of this loan (5.99% p.a. at LVR up to 70%) is restricted to ADF members receiving the Defence Home Ownership Assistance Scheme subsidy and is not tracked here." }, "offers": [], "auto": "premierlow:variable" }, { "name": "Premier Home Loan", "variable": { "rate": 6.59, "comparison": 6.59, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Owner-occupier variable rate packaged with an offset account and a fee-free credit card." }, "offers": [ { "text": "Offset account and fee-free credit card on the Premier package" } ], "auto": "premier:variable" }, { "name": "Essentials Home Loan — Ultimate Package (fixed)", "variable": null, "fixed": [ { "years": 1, "rate": 6.39, "comparison": 6.88 }, { "years": 2, "rate": 6.49, "comparison": 6.86 }, { "years": 3, "rate": 6.55, "comparison": 6.84 }, { "years": 4, "rate": 6.55, "comparison": 6.82 }, { "years": 5, "rate": 6.55, "comparison": 6.8 } ], "fees": { "application": null, "annual": null, "other": "Owner-occupier fixed rates on the Essentials home loan with the Ultimate Package. Variable Essentials rates are priced by loan size ($250k-$750k and $750k+ tiers)." }, "offers": [], "auto": "essentials:fixed" } ], "about": "Defence Bank is a customer-owned bank serving the Australian Defence Force community, with membership open to ADF members, veterans, their families and defence industry employees. It is the main provider of DHOAS-subsidised home loans.", "website": "https://www.defencebank.com.au", "contact": "1800 033 139" }, { "bank": "Beyond Bank Australia", "slug": "beyondbank", "type": "bank", "loans": [ { "name": "Purple Basic Home Loan (variable)", "variable": { "rate": 6.09, "comparison": 6.12, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest at LVR up to 60%. Higher LVR bands cost more: 6.14% p.a. at 60-80% LVR and 6.49% p.a. at 80-90% LVR. No offset account." }, "offers": [], "auto": "purple:variable" }, { "name": "Total Home Loan Package (variable)", "variable": { "rate": 6.09, "comparison": 6.44, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest at LVR up to 60% (6.14% p.a. at 60-80% LVR, 6.49% p.a. at 80-90% LVR). Package comparison rate includes the package fee." }, "offers": [ { "text": "100% offset account and package benefits with the Total Home Loan Package" } ], "auto": "total:variable" }, { "name": "Total Home Loan Package — Fixed (LVR up to 80%)", "variable": null, "fixed": [ { "years": 1, "rate": 6.29, "comparison": 6.95 }, { "years": 2, "rate": 6.39, "comparison": 6.93 }, { "years": 3, "rate": 6.59, "comparison": 6.97 }, { "years": 4, "rate": 6.69, "comparison": 7.0 }, { "years": 5, "rate": 6.69, "comparison": 7.0 } ], "fees": { "application": null, "annual": null, "other": "Owner-occupier principal & interest at LVR up to 80%. The 80-90% LVR band is dearer (6.59-6.99% p.a. by term)." }, "offers": [], "auto": "total:fixed" } ], "about": "Beyond Bank Australia is a customer-owned (mutual) bank with roots in the South Australian police credit union movement, now operating nationally as an industry and community-focused ADI.", "website": "https://www.beyondbank.com.au", "contact": "13 25 85" }, { "bank": "Firstmac", "slug": "firstmac", "type": "non-bank", "loans": [ { "name": "Variable Home Loan", "variable": { "rate": 6.33, "comparison": null, "note": "Owner-occupier P&I at LVR ≤ 80%; 6.33% is the owner-occupier + investment bundle rate (both loans required) — Simple is 6.34% at LVR ≤ 70%, Standard 6.44% at LVR ≤ 70% · auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 2, "rate": 7.04 } ], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "fixed" } ], "about": "Australian-owned non-bank lender in business for over 40 years, offering home loans, car loans and caravan loans.", "website": "https://www.firstmac.com.au", "contact": "13 12 20 (7am-7pm Mon-Fri AEST), +61 7 3017 8888; email customercare@firstmac.com.au" }, { "bank": "Resimac", "slug": "resimac", "type": "non-bank", "loans": [ { "name": "Variable Home Loan", "variable": { "rate": 6.39, "comparison": null, "note": "auto-updated 2026-09-06" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" } ], "about": "One of Australia's original non-bank lenders, offering home loans, asset finance and commercial lending.", "website": "https://www.resimac.com.au", "contact": "1300 764 447 (Resimac-funded home loans, 8:30am-6pm Mon-Fri AEST); email customercare@resimac.com.au" }, { "bank": "Liberty Financial", "slug": "liberty", "type": "non-bank", "loans": [ { "name": "Variable Home Loan", "variable": { "rate": 6.74, "comparison": null, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 2, "rate": 8.19 } ], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "fixed" } ], "about": "Australian non-bank lender providing home loans and other credit products, including for self-employed and non-standard borrowers.", "website": "https://www.liberty.com.au", "contact": "13 11 33 (8am-6pm AEST); email help@liberty.com.au" }, { "bank": "Pepper Money", "slug": "pepper-money", "type": "non-bank", "loans": [ { "name": "Variable Home Loan", "variable": { "rate": 6.74, "comparison": null, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 2, "rate": 7.24 } ], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "fixed" } ], "about": "One of Australia's largest non-bank lenders, offering home, car, personal and commercial loans, including for self-employed borrowers.", "website": "https://www.peppermoney.com.au", "contact": "137 377 (new home loans, Mon-Fri 8am-6pm Sydney/Melbourne time); overseas +61 2 7227 1555" }, { "bank": "La Trobe Financial", "slug": "latrobe", "type": "non-bank", "loans": [ { "name": "Variable Home Loan", "variable": { "rate": 6.49, "comparison": null, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" } ], "about": "Australia's largest non-bank lender, offering home loans, SMSF loans and investment products, and managing Australia's largest retail credit fund.", "website": "https://www.latrobefinancial.com.au", "contact": "1800 777 000 (new loan enquiries); 13 80 10 (existing borrowers); Mon-Fri 8:30am-5:30pm AEST" }, { "bank": "RedZed", "slug": "redzed", "type": "non-bank", "loans": [ { "name": "Self-Employed Home Loan (SE Prime)", "variable": { "rate": 6.87, "comparison": 7.24, "note": "Self-employed borrowers only — full financials or alternative income verification (no payslips); 6.87% is the SE Prime P&I rate at LVR 50% or less, loan $100k-$2.5M · auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" } ], "about": "Non-bank lender specialising in home loans for self-employed Australians (sole traders and small business owners), lending since 2006.", "website": "https://www.redzed.com", "contact": "1300 722 462; email clientservices@redzed.com" }, { "bank": "Well Money", "slug": "well-money", "type": "non-bank", "loans": [ { "name": "Variable Home Loan", "variable": { "rate": 6.06, "comparison": null, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "variable" }, { "name": "Fixed Rate Home Loan", "variable": null, "fixed": [ { "years": 2, "rate": 6.82 } ], "fees": { "application": null, "annual": null, "other": null }, "offers": [], "auto": "fixed" } ], "about": "Australian non-bank home loan provider offering low-rate variable home loans for owner-occupiers and investors, with digital application and phone support.", "website": "https://wellmoney.com.au", "contact": "1300 899 724 (weekdays 9am-5pm AEST); email hello@wellmoney.com.au" }, { "bank": "Unloan", "slug": "unloan", "type": "non-bank", "loans": [ { "name": "Unloan Variable Home Loan", "variable": { "rate": 5.89, "comparison": 5.8, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application, annual or monthly fees. Loyalty discount: 0.01% p.a. each year, up to 0.30% p.a. Max 80% LVR, owner-occupier P&I." }, "offers": [ { "text": "No fees + 0.01% p.a. loyalty discount each year, up to 0.30% p.a." } ], "auto": "variable" } ], "about": "Digital-only home loan provider owned by Commonwealth Bank, launched 2022, offering low variable rates with no fees and an annual rate discount.", "website": "https://www.unloan.com.au", "contact": "1300 630 000 (to request a callback, 8am-6pm AEST Mon-Fri); email hello@unloan.com.au; fully digital, apply via website" }, { "bank": "Tiimely Home", "slug": "tiimelyhome", "type": "non-bank", "loans": [ { "name": "Tiimely Own Basic", "variable": { "rate": 5.95, "comparison": 5.96, "note": "auto-updated 2026-09-16" }, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.44 }, { "years": 3, "rate": 6.39 }, { "years": 4, "rate": 6.44 }, { "years": 5, "rate": 6.44 } ], "fees": { "application": 0, "annual": 0, "other": "No application or ongoing fees ($0/mth). $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans." }, "offers": [ { "text": "No application or ongoing fees" }, { "text": "Free online redraw and unlimited additional repayments (variable rate)" }, { "text": "Up to 80% LVR; owner-occupier or investment" }, { "text": "Fixed or variable rate; fully online application" } ], "auto": "basic:variable" }, { "name": "Tiimely Own Basic — Fixed", "variable": null, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.44 }, { "years": 3, "rate": 6.39 }, { "years": 4, "rate": 6.44 }, { "years": 5, "rate": 6.44 } ], "fees": { "application": 0, "annual": 0, "other": "No application or ongoing fees ($0/mth). $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans." }, "offers": [], "auto": "basic:fixed" }, { "name": "Tiimely Own Offset", "variable": { "rate": 5.95, "comparison": 6.12, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 180, "other": "$15/month offset account fee ($180 p.a.). No application fee. $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans." }, "offers": [ { "text": "100% offset account with free redraw" }, { "text": "Up to 90% LVR with LMI; owner-occupier or investment" }, { "text": "Fixed or variable rate; fully online application" } ], "auto": "offset:variable" }, { "name": "Tiimely Own Offset — Fixed", "variable": null, "fixed": [ { "years": 1, "rate": 6.39 }, { "years": 2, "rate": 6.44 }, { "years": 3, "rate": 6.39 }, { "years": 4, "rate": 6.44 }, { "years": 5, "rate": 6.44 } ], "fees": { "application": 0, "annual": 180, "other": "$15/month offset account fee ($180 p.a.). No application fee. $325 discharge fee at payout. Free online redraw; unlimited additional repayments on variable rate loans, up to $20,000 per fixed year on fixed rate loans." }, "offers": [], "auto": "offset:fixed" } ], "about": "Tiimely Home is the retail home-loan business of Tiimely (formerly Tic:Toc), an Australian Credit Licence holder rather than a bank, and does not sit on a broker panel. Its direct-to-customer product is the Tiimely Own home loan, sold in two variants: Tiimely Own Basic (no offset facility, no ongoing fees) and Tiimely Own Offset (100% offset account, $15/month). Loans are funded by Bendigo and Adelaide Bank, which also provides the offset accounts and the Financial Claims Scheme protection. Rates shown are owner-occupier, principal & interest at LVR 50-60%, the band Tiimely publishes on its rate page.", "website": "https://tiimelyhome.com.au", "contact": "1300 842 405; email hello@tiimelyhome.com.au" }, { "bank": "Bluestone Mortgages", "slug": "bluestone", "type": "non-bank", "loans": [ { "name": "Bluestone Prime — Owner Occupier P&I", "variable": { "rate": 6.84, "comparison": 7.05, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "Rates from 6.84% p.a. with traditional income verification, 7.04% p.a. with flexible income verification. Maximum LVR 90%. Special rates and loadings apply on assessment; published rates are a guide only." }, "offers": [], "auto": "prime:variable" } ], "about": "Bluestone Mortgages is a specialist non-bank lender (formerly Bluestone Group, founded 2000) that lends to near-prime, self-employed and credit-impaired borrowers, funded by wholesale facilities and distributed mainly through mortgage brokers.", "website": "https://bluestone.com.au", "contact": "1300 350 550; broker-distributed" }, { "bank": "Athena Home Loans", "slug": "athena", "type": "non-bank", "loans": [ { "name": "Athena Straight Up (owner-occupier P&I)", "variable": { "rate": 6.29, "comparison": 6.27, "note": "auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": 0, "annual": 0, "other": "No application or ongoing fees. Quoted at LVR 50-60%: the rate steps down as you pay the loan down (6.24% p.a. at LVR 0-50%) and up at higher LVRs (6.34% p.a. at 60-70%, 6.39% p.a. at 70-80%). Straight Up has no offset account; $325 discharge fee at payout." }, "offers": [ { "text": "No application or ongoing fees" }, { "text": "Automatic rate discount as the loan-to-value ratio falls" } ], "auto": "straightup:variable" }, { "name": "Athena Fixed Rate (1-3 year, LVR 50-60%)", "variable": null, "fixed": [ { "years": 1, "rate": 6.74, "comparison": 6.32 }, { "years": 2, "rate": 6.79, "comparison": 6.37 }, { "years": 3, "rate": 6.84, "comparison": 6.43 } ], "fees": { "application": 0, "annual": 0, "other": "No application or ongoing fees. Athena publishes 1, 2 and 3 year fixed terms only. Comparison rates are calculated against the Straight Up revert rate, so they read lower than the fixed rate." }, "offers": [], "auto": null } ], "about": "Athena Home Loans is a digital-only non-bank lender founded in 2017 and backed by Macquarie Bank and Square Peg Capital. It is known for no-fee loans and automatic LVR-based rate discounts, and is distributed direct rather than through brokers.", "website": "https://www.athena.com.au", "contact": "1300 248 888; hello@athena.com.au" }, { "bank": "homeloans.com.au", "slug": "homeloans", "type": "non-bank", "loans": [ { "name": "Low Rate Home Loan (Variable)", "variable": { "rate": 6.39, "comparison": 6.39, "note": "Owner-occupier P&I, LVR ≤60%; 6.49% at LVR 60-80%, 7.09% at 80-90%, 7.29% at 90-95% · auto-updated 2026-09-16" }, "fixed": [], "fees": { "application": null, "annual": null, "other": "No application, ongoing or exit fees" }, "offers": [], "auto": "variable" } ], "about": "Online-only non-bank lender (formerly State Custodians), wholly owned by Resimac Group; Resimac-branded loans are sold through brokers, homeloans.com.au lends direct.", "website": "https://www.homeloans.com.au", "contact": "1800 111 001; online enquiry form on the contact page" } ], "cashback_offers": [ { "lender": "IMB Bank", "offer": "Up to $4,000 cashback on refinance (loans ≥$750k; $3,000 for $500k-749k)", "min_loan": 500000 }, { "lender": "ANZ", "offer": "$3,000 cashback for first home buyers (loans ≥$250k)", "min_loan": 250000 }, { "lender": "ME Bank", "offer": "Up to $3,000 cashback on refinance (loans >$700k, LVR ≤80%)", "min_loan": 700000 }, { "lender": "Newcastle Permanent", "offer": "Up to $3,000 cashback (conditions apply)", "min_loan": null }, { "lender": "BankVic", "offer": "$3,000 cashback on loans ≥$500k (members; $2,000 for $250k-499k)", "min_loan": 250000 }, { "lender": "Police Bank", "offer": "Up to $3,000 cashback on refinance (loans ≥$500k; $2,000 for $300k-499k; LVR ≤80%, salary credit required)", "min_loan": 300000 } ] }