Important disclosure
Compare home loan rates as low as 2.34%
A home loan at a low interest rate can help keep repayments down. Compare some of the lowest home loan interest rates from a wide range of Australian mortgage lenders, and check fees, features and more to find the home loan for your needs.
Low Rate Home Loan - Prime (OO) (P&I)
Gold Award Winner 2022
2.64
% p.a
Variable
2.64
% p.a
Do you have 40% deposit or equity available? Pay no ongoing fees and enjoy access to extra repayments and a redraw facility for your owner-occupied home loan.
Find and compare low interest home loans
Product Variable Rate Home Loan – Refinance Only Real Time Rating™ | Interest Rate 2.64 % p.a Variable | Comparison Rate* 2.56 % p.a | Company | Repayment $1,367 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a. | Built by CBA, this home loan deal allows borrowers who refinance benefit from an ongoing loyalty discount | Highlighted |
Product Smart Booster Home Loan Discounted Variable - 2yr Real Time Rating™ | Interest Rate 3.10 % p.a Intro 24 months | Comparison Rate* 3.46 % p.a | Company | Repayment $1,502 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Buyers and refinancers can benefit from this special discounted rate, plus no ongoing fees and optional access to an offset account. | ||
Product Neat Home Loan Real Time Rating™ | Interest Rate 2.64 % p.a Variable | Comparison Rate* 2.65 % p.a | Company | Repayment $1,367 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | A straightforward home loan with a low variable rate, unlimited extra repayments with redraw, and no ongoing fees. | ||
Product Low Rate Home Loan - Prime (Owner Occupied) (Principal and Interest) Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.64 % p.a Variable | Comparison Rate* 2.64 % p.a | Company | Repayment $1,367 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Do you have 40% deposit or equity available? Pay no ongoing fees and enjoy access to extra repayments and a redraw facility for your owner-occupied home loan. | |
Product Live-in Variable Real Time Rating™ | Interest Rate 2.59 % p.a Variable | Comparison Rate* 2.60 % p.a | Company | Repayment $1,359 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply. | ||
Product Variable Home Loan Real Time Rating™ | Interest Rate 2.59 % p.a Variable | Comparison Rate* 2.49 % p.a | Company | Repayment $1,359 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Receive $5,000 AUD cashback when you refinance your existing home loan ~ Ends in 23 days | ||
Product Yard Home Loan (Special) Real Time Rating™ | Interest Rate 2.84 % p.a Variable | Comparison Rate* 2.88 % p.a | Company | Repayment $1,398 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Yard’s low-rate variable special home loan ~ Ends in about 2 months | ||
Product Real Deal Home Loan Real Time Rating™ | Interest Rate 2.87 % p.a Variable | Comparison Rate* 2.91 % p.a | Company | Repayment $1,402 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Cashback Refinance and get up to $3,000 cashback. $2,000 cashback on loans ≥$250K; bonus $1,000 cashback on loans ≥$500K. LVR ≤90%. Limited time offers extended. T&Cs apply. ~ Ends in 3 months | ||
Product Discount Variable Real Time Rating™ | Interest Rate 2.90 % p.a Variable | Comparison Rate* 2.96 % p.a | Company | Repayment $1,407 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Star Gold Home Loan Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.44 % p.a Variable | Comparison Rate* 2.49 % p.a | Company | Repayment $1,337 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | ||
Product Back to Basics Home Loan Special Offer Real Time Rating™ | Interest Rate 2.72 % p.a Variable | Comparison Rate* 2.73 % p.a | Company | Repayment $1,379 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Cashback Receive $3,000 cash when you take out a Suncorp Bank home loan of $750K or more with LVR <=90%. Apply by 30 November 2022, settle by 28 February 2023. Unless withdrawn prior. T&Cs & eligibility criteria apply. ~ Ends in 5 months | ||
Product Ocean Owner Occupied Variable (No Annual Fee) Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.69 % p.a Variable | Comparison Rate* 2.76 % p.a | Company | Repayment $1,375 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | ||
Product Smart Booster Investor Bundle Discount Variable - 1 Year (Principal and Interest) Real Time Rating™ | Interest Rate 3.24 % p.a Intro 12 months | Comparison Rate* 3.96 % p.a | Company | Repayment $1,582 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Investment) (Interest Only) Real Time Rating™ | Interest Rate 3.19 % p.a Variable | Comparison Rate* 2.99 % p.a | Company | Repayment $798 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Investment) (Principal and Interest) Real Time Rating™ | Interest Rate 2.79 % p.a Variable | Comparison Rate* 2.79 % p.a | Company | Repayment $1,390 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Yard Home Loan (Special) Real Time Rating™ Winner of Best Variable Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.94 % p.a Variable | Comparison Rate* 2.98 % p.a | Company | Repayment $1,413 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | special Yard’s low-rate variable special home loan ~ Ends in about 2 monthsWinner of Best Variable Home Loan, RateCity Gold Awards 2022 | ||
Product Ocean SMSF (With Offset) Real Time Rating™ | Interest Rate 4.59 % p.a Variable | Comparison Rate* 4.80 % p.a | Company | Repayment $1,148 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Owner Occupied) (Interest Only) Real Time Rating™ | Interest Rate 2.94 % p.a Variable | Comparison Rate* 2.74 % p.a | Company | Repayment $735 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Owner Occupied) (Interest Only) Real Time Rating™ | Interest Rate 3.04 % p.a Variable | Comparison Rate* 2.84 % p.a | Company | Repayment $760 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site | |||
Product Low Rate Home Loan - Prime (Investment) (Interest Only) Real Time Rating™ | Interest Rate 3.09 % p.a Variable | Comparison Rate* 2.89 % p.a | Company | Repayment $773 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Real Time Rating™ | Go to site |