Police Bank
First Home Loan
Variable
5.84%
p.a.
Comparison
5.91%
p.a.
Monthly
$4,243
on $720,000
Offset accountRedrawExtra repaymentsUp to 98% LVR
Live rates from 38 lenders
Compare Australian home loans
Set your deposit and the table re-sorts around what you can borrow. Rates come straight from each lender's regulated data feed, not a sales sheet.
5.84%
Lowest variable rate
99
Loans tracked
Your position
Borrowing
$720,000
LVR
80%
Matches
77
Sharpest match
Police Bank
5.84% p.a. · $4,243/mo
Comparison rates are based on a loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
I am
Repaying
Rate
77 loans match
Virgin Money
Virgin Money Lite Home Loan
Variable
5.84%
p.a.
Comparison
5.86%
p.a.
Monthly
$4,243
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Gateway Bank
Low Rate Essentials
Variable
5.89%
p.a.
Comparison
5.91%
p.a.
Monthly
$4,266
on $720,000
RedrawExtra repayments
Bendigo Bank
Bendigo Express Home Loan
Variable
5.89%
p.a.
Comparison
6.02%
p.a.
Monthly
$4,266
on $720,000
Offset accountRedrawExtra repayments
Unloan
Unloan Home Loan
Variable
5.89%
p.a.
Comparison
5.80%
p.a.
Monthly
$4,266
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Gateway Bank
Allium Money Essentials
Variable
5.94%
p.a.
Comparison
5.94%
p.a.
Monthly
$4,289
on $720,000
RedrawExtra repayments
Greater Bank
Discounted Great Rate Home Loan - Variable Owner Occupied
Variable
5.94%
p.a.
Comparison
5.95%
p.a.
Monthly
$4,289
on $720,000
RedrawExtra repayments
Up
Up Home Loan
Variable
5.95%
p.a.
Comparison
5.95%
p.a.
Monthly
$4,294
on $720,000
Offset accountRedrawExtra repayments
Hume Bank
liteBlue FHB Non Scheme O/Occ P+I (up to 95%LVR)
Variable
5.99%
p.a.
Comparison
6.00%
p.a.
Monthly
$4,312
on $720,000
RedrawExtra repayments
Gateway Bank
Allium Money Premium
Variable
5.99%
p.a.
Comparison
5.99%
p.a.
Monthly
$4,312
on $720,000
Offset accountRedrawExtra repayments
RACQ Bank
Fair Dinkum Home Loan
Variable
6.04%
p.a.
Comparison
6.04%
p.a.
Monthly
$4,335
on $720,000
Extra repaymentsUp to 80% LVR
Tiimely Home
Tiimely Basic Home Loan
Variable
6.04%
p.a.
Comparison
6.05%
p.a.
Monthly
$4,335
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Tiimely Home
Tiimely Offset Home Loan
Variable
6.04%
p.a.
Comparison
6.21%
p.a.
Monthly
$4,335
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
IMB Bank
Budget Home Loan
Variable
6.04%
p.a.
Comparison
6.07%
p.a.
Monthly
$4,335
on $720,000
RedrawExtra repaymentsUp to 80% LVR
ME Bank
ME Bank EconoME Home Loan
Variable
6.04%
p.a.
Comparison
6.06%
p.a.
Monthly
$4,335
on $720,000
RedrawExtra repaymentsUp to 80% LVR
ING
Mortgage Simplifier
Variable
6.04%
p.a.
Comparison
6.07%
p.a.
Monthly
$4,335
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Bank Australia
Offset Home Loan
Variable
6.05%
p.a.
Comparison
6.24%
p.a.
Monthly
$4,340
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
NRMA Home Loans
NRMA Offset Home Loan
Variable
6.08%
p.a.
Comparison
6.28%
p.a.
Monthly
$4,354
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
NRMA Home Loans
NRMA Basic Home Loan
Variable
6.08%
p.a.
Comparison
6.12%
p.a.
Monthly
$4,354
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Bank of Queensland
Economy Variable Home Loan
Variable
6.08%
p.a.
Comparison
6.23%
p.a.
Monthly
$4,354
on $720,000
RedrawExtra repaymentsUp to 80% LVR
People First and Heritage Bank
Discount Variable - Owner Occupied
Variable
6.09%
p.a.
Comparison
6.10%
p.a.
Monthly
$4,359
on $720,000
RedrawExtra repaymentsUp to 80% LVR
HSBC
Home Value Loan
Variable
6.09%
p.a.
Comparison
6.10%
p.a.
Monthly
$4,359
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Westpac
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Variable
6.09%
p.a.
Comparison
6.10%
p.a.
Monthly
$4,359
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Police Bank
Police Value Home Loan
Variable
6.09%
p.a.
Comparison
6.16%
p.a.
Monthly
$4,359
on $720,000
Offset accountRedrawExtra repaymentsUp to 90% LVR
AB
Auswide Bank
BASIC HOME LOAN
Variable
6.09%
p.a.
Comparison
6.12%
p.a.
Monthly
$4,359
on $720,000
RedrawExtra repaymentsUp to 80% LVR
MyState Bank
Special Residential Variable Loan
Variable
6.09%
p.a.
Comparison
6.14%
p.a.
Monthly
$4,359
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
MyState Bank
Basic Variable Loan
Variable
6.09%
p.a.
Comparison
6.12%
p.a.
Monthly
$4,359
on $720,000
RedrawExtra repaymentsUp to 80% LVR
ME Bank
ME Bank CompleteME Home Loan
Variable
6.09%
p.a.
Comparison
6.47%
p.a.
Monthly
$4,359
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
TM
Teachers Mutual Bank
Your Way Home Loan
Variable
6.09%
p.a.
Comparison
6.15%
p.a.
Monthly
$4,359
on $720,000
RedrawExtra repaymentsUp to 95% LVR
Qantas Money
QANTAS Money Basic Home Loan
Variable
6.13%
p.a.
Comparison
6.20%
p.a.
Monthly
$4,377
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Qantas Money
QANTAS Money Offset Home Loan
Variable
6.13%
p.a.
Comparison
6.36%
p.a.
Monthly
$4,377
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Suncorp Bank
Back to Basics Variable Rate Better Together Special Offer
Variable
6.13%
p.a.
Comparison
6.14%
p.a.
Monthly
$4,377
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Bendigo Bank
Bendigo Easy Home Loan
Variable
6.13%
p.a.
Comparison
6.15%
p.a.
Monthly
$4,377
on $720,000
RedrawExtra repaymentsUp to 80% LVR
P&N Bank
Basic Variable HL LVR <60
Variable
6.13%
p.a.
Comparison
6.16%
p.a.
Monthly
$4,377
on $720,000
RedrawExtra repayments
RACQ Bank
Mortgage Saver Home Loan
Variable
6.14%
p.a.
Comparison
6.18%
p.a.
Monthly
$4,382
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Police Bank
Goldrate Home Loan
Variable
6.14%
p.a.
Comparison
6.21%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
IMB Bank
Essentials Home Loan
Variable
6.14%
p.a.
Comparison
6.25%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Virgin Money
Virgin Money Loaded Home Loan
Variable
6.14%
p.a.
Comparison
6.43%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
UBank
Flex - Variable OO P&I
Variable
6.14%
p.a.
Comparison
6.38%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
UBank
Neat - OO Variable P&I
Variable
6.14%
p.a.
Comparison
6.16%
p.a.
Monthly
$4,382
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Macquarie Bank
Macquarie Offset Home Loan
Variable
6.14%
p.a.
Comparison
6.39%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Macquarie Bank
Macquarie Basic Home Loan
Variable
6.14%
p.a.
Comparison
6.16%
p.a.
Monthly
$4,382
on $720,000
RedrawExtra repaymentsUp to 80% LVR
CommBank
Digi Home Loan (Owner Occupied)
Variable
6.14%
p.a.
Comparison
6.27%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Qudos Bank
No Frills Home Loan
Variable
6.14%
p.a.
Comparison
6.14%
p.a.
Monthly
$4,382
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Bank Australia
Basic Home Loan
Variable
6.14%
p.a.
Comparison
6.14%
p.a.
Monthly
$4,382
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Beyond Bank
Purple Basic Vbl Home Loan
Variable
6.14%
p.a.
Comparison
6.17%
p.a.
Monthly
$4,382
on $720,000
RedrawExtra repayments
Beyond Bank
Total Home Loan Package
Variable
6.14%
p.a.
Comparison
6.49%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repayments
Bank of Queensland
Clear Path Variable Home Loan
Variable
6.14%
p.a.
Comparison
6.26%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
ING
Orange Advantage
Variable
6.14%
p.a.
Comparison
6.43%
p.a.
Monthly
$4,382
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
P&N Bank
Offset Variable HL LVR<60
Variable
6.17%
p.a.
Comparison
6.20%
p.a.
Monthly
$4,396
on $720,000
Offset accountRedrawExtra repayments
P&N Bank
Basic Variable HL LVR >60-70
Variable
6.17%
p.a.
Comparison
6.20%
p.a.
Monthly
$4,396
on $720,000
RedrawExtra repayments
Qudos Bank
Low Cost Value Package
Variable
6.18%
p.a.
Comparison
6.36%
p.a.
Monthly
$4,400
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Suncorp Bank
Standard Variable Rate - Home Package Plus Special Offers
Variable
6.18%
p.a.
Comparison
6.53%
p.a.
Monthly
$4,400
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Bendigo Bank
Bendigo Flex Home Loan
Variable
6.18%
p.a.
Comparison
6.36%
p.a.
Monthly
$4,400
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
AMP Bank
AMP Essential Home Loan
Variable
6.18%
p.a.
Comparison
6.21%
p.a.
Monthly
$4,400
on $720,000
RedrawExtra repaymentsUp to 80% LVR
NAB
NAB Tailored Home Loan
Variable
6.19%
p.a.
Comparison
6.32%
p.a.
Monthly
$4,405
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Greater Bank
Discounted Ultimate Packaged Home Loan - Variable Owner Occupied
Variable
6.19%
p.a.
Comparison
6.56%
p.a.
Monthly
$4,405
on $720,000
Offset accountRedrawExtra repayments
HSBC
Standard Variable (Package)
Variable
6.24%
p.a.
Comparison
6.61%
p.a.
Monthly
$4,428
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Bankwest
Complete Variable Home Loan Package
Variable
6.24%
p.a.
Comparison
6.63%
p.a.
Monthly
$4,428
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Bankwest
Bankwest Simple Home Loan
Variable
6.24%
p.a.
Comparison
6.27%
p.a.
Monthly
$4,428
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Beyond Bank
Home Buyers Scheme Home Loan
Variable
6.24%
p.a.
Comparison
6.59%
p.a.
Monthly
$4,428
on $720,000
Offset accountRedrawExtra repayments
HSBC
Home Smart (Package)
Variable
6.24%
p.a.
Comparison
6.61%
p.a.
Monthly
$4,428
on $720,000
RedrawExtra repaymentsUp to 80% LVR
AMP Bank
Professional Package
Variable
6.28%
p.a.
Comparison
6.63%
p.a.
Monthly
$4,447
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
TM
Teachers Mutual Bank
Your Way Plus Home Loan
Variable
6.29%
p.a.
Comparison
6.59%
p.a.
Monthly
$4,452
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
BankSA
Basic Variable Home Loan
Variable
6.39%
p.a.
Comparison
6.40%
p.a.
Monthly
$4,499
on $720,000
RedrawExtra repaymentsUp to 80% LVR
Bank of Melbourne
Basic Variable Home Loan
Variable
6.39%
p.a.
Comparison
6.40%
p.a.
Monthly
$4,499
on $720,000
RedrawExtra repaymentsUp to 80% LVR
St.George Bank
Basic Variable Home Loan
Variable
6.39%
p.a.
Comparison
6.40%
p.a.
Monthly
$4,499
on $720,000
RedrawExtra repaymentsUp to 80% LVR
NAB
NAB Base Variable Rate Home Loan
Variable
6.44%
p.a.
Comparison
6.44%
p.a.
Monthly
$4,523
on $720,000
RedrawExtra repayments
CommBank
Simple Home Loan (Owner Occupied)
Variable
6.49%
p.a.
Comparison
6.74%
p.a.
Monthly
$4,546
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
CommBank
Standard Variable Rate Home Loan (Owner Occupied)
Variable
6.49%
p.a.
Comparison
6.87%
p.a.
Monthly
$4,546
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
BankSA
Variable Home Loan with Offset
Variable
6.49%
p.a.
Comparison
6.86%
p.a.
Monthly
$4,546
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Bank of Melbourne
Variable Home Loan with Offset
Variable
6.49%
p.a.
Comparison
6.86%
p.a.
Monthly
$4,546
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
St.George Bank
Variable Home Loan with Offset
Variable
6.49%
p.a.
Comparison
6.86%
p.a.
Monthly
$4,546
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
Westpac
Rocket Loan : Variable Home Loan with Offset (Owner Occupied)
Variable
6.49%
p.a.
Comparison
6.86%
p.a.
Monthly
$4,546
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
ANZ
ANZ Simplicity PLUS
Variable
6.54%
p.a.
Comparison
6.54%
p.a.
Monthly
$4,570
on $720,000
RedrawExtra repaymentsUp to 80% LVR
ANZ
ANZ Standard Variable home loan
Variable
7.24%
p.a.
Comparison
7.24%
p.a.
Monthly
$4,907
on $720,000
Offset accountRedrawExtra repaymentsUp to 80% LVR
AMP Bank
Land Loan
Variable
7.95%
p.a.
Comparison
8.00%
p.a.
Monthly
$5,258
on $720,000
RedrawExtra repayments
Questions readers ask
The words lenders use
- LVR
- Loan to value ratio. Your loan divided by the property value. Borrow $640,000 against an $800,000 home and your LVR is 80%.
- LMI
- Lenders Mortgage Insurance. A one-off premium most lenders charge above 80% LVR. It covers the lender if you default.
- Comparison rate
- The interest rate plus most standard fees, expressed as a single percentage so you can rank loans against each other.
- Offset
- A transaction account linked to your loan. Its balance cuts the portion of the loan charged interest.
- Break cost
- The fee a lender charges when you exit a fixed rate before the term ends. It rises when market rates have fallen.
Work out what a lender will lend you before you compare rates. Try the borrowing power calculator.
Properfolio provides general information, not credit advice. We do not take your objectives, financial situation or needs into account. Rates and fees come from each lender's public Consumer Data Right feed and can change without notice. Confirm the current rate and read the lender's Target Market Determination and terms before you apply.