Rates Tables

At homeloans.com.au we know that low interest rates are essentially important to our customers. As well as charging no monthly or annual fees and offering great loan features we strive to keep our rates as low as possible for the life of the loan. Being variable rates, they do change from time to time as a result of changes to funding costs, but we'll always tell you why, when and by how much, as soon as a decision is made.

Low Rate Home Loan

Owner Occupied Investment
  Principal & Interest Interest Only Principal & Interest Interest Only
Under 60% LVR 2.29 %p.a. Interest rate 2.31%p.a. Comparison rate 2.59 %p.a. Interest rate 2.42 %p.a. Comparison rate 2.44 %p.a. Interest rate 2.46 %p.a. Comparison rate 2.74 %p.a. Interest rate 2.57 %p.a. Comparison rate
60-80% LVR 2.39 %p.a. Interest rate 2.41 %p.a. Comparison rate 2.69 %p.a. Interest rate 2.52 %p.a. Comparison rate 2.54 %p.a. Interest rate 2.56 %p.a. Comparison rate 2.84 %p.a. Interest rate 2.67 %p.a. Comparison rate
80-90% LVR 2.74 %p.a. Interest rate 2.76 %p.a. Comparison rate N/A Interest rate N/A Comparison rate 2.89 %p.a. Interest rate 2.91 %p.a. Comparison rate 3.04 %p.a. Interest rate 2.96 %p.a. Comparison rate
90-95% LVR 2.94 %p.a. Interest rate 2.96 %p.a. Comparison rate N/A Interest rate N/A Comparison rate 3.09 %p.a. Interest rate 3.11 %p.a. Comparison rate N/A Interest rate N/A Comparison rate
  • Owner Occupied
  • Investment
Under 60% LVR
Principal & Interest Interest Only
2.44 %p.a.Interest rate 2.59 %p.a.Interest rate
2.46 %p.a.Comparison rate 2.51 %p.a.Comparison rate
60-80% LVR
Principal & Interest Interest Only
2.54 %p.a.Interest rate 2.69 %p.a.Interest rate
2.56 %p.a.Comparison rate 2.61 %p.a.Comparison rate
80-90% LVR
Principal & Interest Interest Only
2.74 %p.a.Interest rate N/A Interest rate
2.76 %p.a.Comparison rate N/A Comparison rate
90-95% LVR
Principal & Interest Interest Only
2.94 %p.a.Interest rate N/A Interest rate
2.96 %p.a.Comparison rate N/A Comparison rate
Under 60% LVR
Principal & Interest Interest Only
2.59 %p.a.Interest rate 2.74 %p.a.Interest rate
2.61 %p.a.Comparison rate 2.66 %p.a.Comparison rate
60-80% LVR
Principal & Interest Interest Only
2.69 %p.a.Interest rate 2.84 %p.a.Interest rate
2.71 %p.a.Comparison rate 2.76 %p.a.Comparison rate
80-90% LVR
Principal & Interest Interest Only
2.89 %p.a.Interest rate 3.04 %p.a.Interest rate
2.91 %p.a.Comparison rate 2.96 %p.a.Comparison rate
90-95% LVR
Principal & Interest Interest Only
3.09 %p.a.Interest rate N/A Interest rate
3.11 %p.a.Comparison rate N/A Comparison rate

Options Home Loan

Owner Occupied Investment
  Principal & Interest Interest Only Principal & Interest Interest Only
Under 70% LVR 3.89 %p.a. Interest rate 3.98 %p.a. Comparison rate 4.04 %p.a. Interest rate 4.03 %p.a. Comparison rate 4.04 %p.a. Interest rate 4.13 %p.a. Comparison rate 4.19 %p.a. Interest rate 4.18 %p.a. Comparison rate
70-80% LVR 3.99 %p.a. Interest rate 4.10 %p.a. Comparison rate 4.14 %p.a. Interest rate 4.15 %p.a. Comparison rate 4.14 %p.a. Interest rate 4.25 %p.a. Comparison rate 4.29 %p.a. Interest rate 4.30 %p.a. Comparison rate
  • Owner Occupied
  • Investment
Under 70% LVR
Principal & Interest Interest Only
3.89 %p.a.Interest rate 4.04 %p.a.Interest rate
3.98 %p.a.Comparison rate 4.03 %p.a.Comparison rate
70-80% LVR
Principal & Interest Interest Only
3.99 %p.a.Interest rate 4.14 %p.a.Interest rate
4.10 %p.a.Comparison rate 4.15 %p.a.Comparison rate
Under 70% LVR
Principal & Interest Interest Only
4.04 %p.a.Interest rate 4.19 %p.a.Interest rate
4.13 %p.a.Comparison rate 4.18 %p.a.Comparison rate
70-80% LVR
Principal & Interest Interest Only
4.14 %p.a.Interest rate 4.29 %p.a.Interest rate
4.25 %p.a.Comparison rate 4.30 %p.a.Comparison rate

Flex Home Loan

Owner Occupied Investment
  Principal & Interest Interest Only Principal & Interest Interest Only
Under 70% LVR 3.99 %p.a. Interest rate 4.08 %p.a. Comparison rate 4.14 %p.a. Interest rate 4.13%p.a. Comparison rate 4.14 %p.a. Interest rate 4.25 %p.a. Comparison rate 4.29 %p.a. Interest rate 4.28 %p.a. Comparison rate
70-80% LVR 4.19 %p.a. Interest rate 4.30%p.a. Comparison rate 4.34 %p.a. Interest rate 4.35 %p.a. Comparison rate 4.34 %p.a. Interest rate 4.47 %p.a. Comparison rate 4.49 %p.a. Interest rate 4.50 %p.a. Comparison rate
80-85% LVR 5.19 %p.a. Interest rate 5.33 %p.a. Comparison rate N/A Interest rate N/A Comparison rate 5.34 %p.a. Interest rate 5.50 %p.a. Comparison rate 5.49 %p.a. Interest rate 5.53 %p.a. Comparison rate
85-90% LVR 5.89 %p.a. Interest rate 6.06 %p.a. Comparison rate N/A Interest rate N/A Comparison rate 6.04 %p.a. Interest rate 6.26 %p.a. Comparison rate 6.19 %p.a. Interest rate 6.26 %p.a. Comparison rate
  • Owner Occupied
  • Investment
Under 70% LVR
Principal & Interest Interest Only
3.99 %p.a.Interest rate 4.14 %p.a.Interest rate
4.08 %p.a.Comparison rate 4.13 %p.a.Comparison rate
70-80% LVR
Principal & Interest Interest Only
4.19 %p.a.Interest rate 4.34 %p.a.Interest rate
4.30 %p.a.Comparison rate 4.35 %p.a.Comparison rate
80-85% LVR
Principal & Interest Interest Only
5.19 %p.a.Interest rate N/A Interest rate
5.33 %p.a.Comparison rate N/A Comparison rate
85-90% LVR
Principal & Interest Interest Only
5.89 %p.a.Interest rate N/A Interest rate
6.06 %p.a.Comparison rate N/A Comparison rate
Under 70% LVR
Principal & Interest Interest Only
4.14 %p.a.Interest rate 4.29 %p.a.Interest rate
4.25 %p.a.Comparison rate 4.28 %p.a.Comparison rate
70-80% LVR
Principal & Interest Interest Only
4.34 %p.a.Interest rate 4.49 %p.a.Interest rate
4.47 %p.a.Comparison rate 4.50 %p.a.Comparison rate
80-85% LVR
Principal & Interest Interest Only
5.34 %p.a.Interest rate 5.49 Interest rate
5.50 %p.a.Comparison rate 5.53 Comparison rate
85-90% LVR
Principal & Interest Interest Only
6.04 %p.a.Interest rate 6.19 Interest rate
6.26 %p.a.Comparison rate 6.26 Comparison rate

Flex Alt Doc Home Loan

Owner Occupied Investment
  Principal & Interest Interest Only Principal & Interest Interest Only
Under 70% LVR 4.39 %p.a. Interest rate 4.50 %p.a. Comparison rate 4.54 %p.a. Interest rate 4.55 %p.a. Comparison rate 4.54 %p.a. Interest rate 4.65 %p.a. Comparison rate 4.69 %p.a. Interest rate 4.70 %p.a. Comparison rate
70-80% LVR 4.89 %p.a. Interest rate 5.03%p.a. Comparison rate 5.04 %p.a. Interest rate 5.08 %p.a. Comparison rate 5.04 %p.a. Interest rate 5.18 %p.a. Comparison rate 5.19 %p.a. Interest rate 5.23 %p.a. Comparison rate
80-85% LVR 5.39 %p.a. Interest rate 5.55 %p.a. Comparison rate N/A Interest rate N/A Comparison rate 5.54 %p.a. Interest rate 5.70 %p.a. Comparison rate 5.69 %p.a. Interest rate 5.76 %p.a. Comparison rate
85-90% LVR 6.09 %p.a. Interest rate 6.31 %p.a. Comparison rate N/A Interest rate N/A Comparison rate 6.24 %p.a. Interest rate 6.46 %p.a. Comparison rate 6.39 %p.a. Interest rate 6.51 %p.a. Comparison rate
  • Owner Occupied
  • Investment
Under 70% LVR
Principal & Interest Interest Only
4.39 %p.a.Interest rate 4.54 %p.a.Interest rate
4.50 %p.a.Comparison rate 4.55 %p.a.Comparison rate
70-80% LVR
Principal & Interest Interest Only
4.89 %p.a.Interest rate 5.04 %p.a.Interest rate
5.03 %p.a.Comparison rate 5.08 %p.a.Comparison rate
80-85% LVR
Principal & Interest Interest Only
5.39 %p.a.Interest rate N/A Interest rate
5.55 %p.a.Comparison rate N/A Comparison rate
85-90% LVR
Principal & Interest Interest Only
6.09 %p.a.Interest rate N/A Interest rate
6.31 %p.a.Comparison rate N/A Comparison rate
Under 70% LVR
Principal & Interest Interest Only
5.54 %p.a.Interest rate 4.69 %p.a.Interest rate
4.65 %p.a.Comparison rate 4.70 %p.a.Comparison rate
70-80% LVR
Principal & Interest Interest Only
5.04 %p.a.Interest rate 5.19 %p.a.Interest rate
5.18 %p.a.Comparison rate 5.23 %p.a.Comparison rate
80-85% LVR
Principal & Interest Interest Only
5.54 %p.a.Interest rate 5.69 Interest rate
5.70 %p.a.Comparison rate 5.76 Comparison rate
85-90% LVR
Principal & Interest Interest Only
6.24 %p.a.Interest rate 6.39 Interest rate
6.46 %p.a.Comparison rate 6.51 Comparison rate

Need to know:

Eligibility criteria apply. Interest rates are effective from 21 October 2020 and are subject to change. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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