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Lowest variable home loan rates

Ranked for a $600,000 loan on an $800,000 property (75% LVR). Change any input and the list re-ranks for you.

Northern Inland Credit Union Limited is cheapest at 5.94%: $3,574 a month.

263 offers from 77 lenders match, cheapest cost over 5 years (repayments plus fees) first.

  1. 1
    Northern Inland Credit Union LimitedValue Home Loan - Owner Occupied
    5.94%comparison 5.98%*
    $3,574a month
    5 years cost $214,451
    Lender site ↗
    Details
    • Fees counted: none published
  2. 2
    Broken Hill BankChoice Home Loan
    5.94%comparison 5.99%*
    $3,574a month
    5 years cost $216,135
    Lender site ↗
    Details
    • Fees counted: $1,684 upfront
  3. 3
    Southern Cross Credit UnionBROKER HOME LOAN
    5.93%comparison 6.28%*
    $3,570a month
    5 years cost $216,196
    Details
    • Also sold as: EMONEY HOME LOAN, LJH 5STAR HOME LOAN, PREMIUM HOME LOAN
    • Fees counted: $395 a year
  4. 4
    Maitland Mutual LimitedBudget Home Loan
    6.04%comparison 6.04%*
    $3,613a month
    5 years cost $216,765
    Lender site ↗
    Details
    • Lender’s note: For LVR 60% to 79.99%.
    • Fees counted: none published
  5. 5
    SWSbankIntro Discounted Standard Variable Home LoanIntro rate
    6.10%comparison not published*
    $3,636a month
    5 years cost $218,158
    Lender site ↗
    Details
    • Also sold as: Standard Variable Rate Home Loan
    • Fees counted: none published
  6. 6
    Virgin MoneyVirgin Money Lite Home Loan
    6.09%comparison 6.11%*
    $3,632a month
    5 years cost $218,846
    Lender site ↗
    Details
    • Lender’s note: VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k
    • Fees counted: $900 upfront, $4 a year
  7. 7
    UnloanUnloan Home LoanConditions apply
    6.14%comparison 6.05%*
    $3,651a month
    5 years cost $219,089
    Lender site ↗
    Details
    • Condition: new customer
    • Lender’s note: Visit our website
    • Fees counted: none published
  8. 8
    Greater BankDiscounted Great Rate Home Loan - Variable Owner Occupied
    6.09%comparison 6.10%*
    $3,632a month
    5 years cost $219,156
    Details
    • Lender’s note: Discounted rates include a discount on Home Loans of $150,000 or over and for owner occupied Home Loans with an LVR 80% or below and for investment Home Loan with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.
    • Fees counted: $1,230 upfront
  9. 9
    Gateway BankLow Rate Essentials
    6.14%comparison 6.16%*
    $3,651a month
    5 years cost $219,364
    Lender site ↗
    Details
    • Lender’s note: Low Rate Essentials - <= 50% LVR
    • Fees counted: $275 upfront
  10. 10
    Bendigo BankBendigo Express Home Loan
    6.14%comparison 6.27%*
    $3,651a month
    5 years cost $219,389
    Lender site ↗
    Details
    • Fees counted: $250 upfront, $10 a year

* Comparison rates are calculated on a secured 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.

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Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.