Australians who took big mortgages are in for a big surprise as some home owners find out that the current value of their homes is actually less than the amount of loan they acquired to purchase it. There is approximately one in fifty of the three million households with mortgages affected by this so-called negative [...]
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Home Loans: Mortgage Comparison & Application
Compare the Best First Home Buyer, Refinancing & Investment Loans
Home Loan Finder™ is a 100% free and Australian owned service for comparing home loans and finance products available to Australian mortgage borrowers.
To help you find the best home loan, we have provided you with information and guides about home loans, refinancing,
mortgage brokers in your area, home loan product reviews, the latest mortgage interest rates and special introductory loans. Home Loan Finder™ is dedicated to helping you make the right home loan choice.
Once you have found the best loan for your circumstances, you can securely enquire online and get pre-approval on your mortgage, or negotiate a more competitive interest rate.
Below is a guide to some of the best home loans* available on the Australian market, sorted by interest rate, comparison rate, home loan features and the lowest fees.
Compare
Comparison of Top Home Loan Choices
Rates accurate as at: January 28th, 2012| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 State Custodians Mortgage Company Standard Variable Offset Loan | Awarded the 2011 Non bank Lender of the Year this feature-packed loan rewards customers with a bonus rate drop of 0.20% after 5 years. | 6.22% | 6.45% | $0 / $345 | 95% | $150,000 / $2,500,000 |
 
|
 Loans.com.au - Dream Loan Dream Catcher | A full featured home loan with a 100% redraw offset facility, plus a low interest rate with no application fee. | 6.13% | 6.47% | $0 / $375 | 80% | $50,000 / $750,000 |
|
 UBank UHomeLoan (Variable Rate) | One of the market leading variable interest rates. The maximum loan amount needs to be 80% of the property value. | 6.14% | 6.14% | $0 / $0 | 80% | $100,000 / $1,000,000 |
|
 Easy Street Honeymoon Home Loan Special | Save money with a no service fee and a low interest rate home loan. | 5.89% | 6.56% | $500 / $0 | 95% | $100,000 / $2,500,000 |
|
 NAB National Choice Package ($250,000 and above) | Discount of 0.70% p.a. off the standard variable home loan rate with the NAB Choice Package. | 6.52% | 6.88% | $0 / $395 | 95% | $250,000 / $10,000,000 |
|
State Custodians Mortgage Company Breathe Easy Offset Loan | Awarded Best Non Bank Basic Variable July 2011 this fantastic loan rewards customers with no fees and a range of features to keep repayments flexible. | 6.47% | 6.36% | $0 / $0 | 95% | $150,000 / $1,000,000 |
|
 HomeStar Fixed Rate Loan - 3 Year Fixed Rate | One of the market leading 3 year fixed rate options. | 5.95% | 6.37% | $0 / $0 | 95% | $150,000 / $2,000,000 |
|
 Illawarra Home Loans Bank Beater Home Loan | Pay off your loan faster with a low variable rate and a further rate cut by 0.05% p.a. after 5 years. | 6.18% | 6.46% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
 Commonwealth Bank No Fee Variable Rate | Enjoy zero fees and choice in repayment frequencies and special repayments. | 6.61% | 6.61% | $0 / $0 | 80% | $150,000 / $0 |
|
 Westpac Flexi First Option Home Loan | Westpac Basic Low Variable Interest Rate Loan. | 6.66% | 6.71% | $600 / $0 | 92% | $25,000 / $10,000,000 |
|
 ANZ Breakfree Home Loan Package ($150,000 - $249,999) | Take advantage of up to 0.70% off the Standard Variable Rate. | 6.80% | $ 0 / $375 | 80% | $150,000 / $249,999 |
|
State Custodians Standard Variable Rate Loan
Awarded the Best Loan for First Home Buyers July 2011, the State Custodians Standard Variable Offset Home Loan features zero fees, unlimited free redraw and 100% free interest offsetting.
- Interest Rate of 6.22%
- Comparison Rate of 6.45%
- Application Fee of $0
- Maximum LVR With LMI: 95%
- Minimum Borrowing: $150,000
- Maximum Borrowing: $2,500,000
Find loans offered by Australia's leading bank and non-bank lenders via the loan type or provider in the left sidebar. View details of mortgage brokers to help negotiate a better rate.
- Find
Compare home loans by interest rate, features and fees in our comparison tables and find the most competitive deal.
- Compare
Enquire about pre-approval, rate negotiations or general advice on a new home loan via our online enquiry form.
- Apply
Home Loan Articles and Guides
Generation Y – The New Property Market Clients
January 19th, 2012A survey conducted for LJ Hooker Finance revealed that Aussies’ Generation Y are looking into investing in the property market as they continue to get wiser on how they spend their cash. The survey questioned 1017 people and 78 percent of those intending to buy a property in the next two years were aged 20 [...]
The Rising Popularity Of Refinancing
January 19th, 2012Refinancing is fast becoming a common option for home owners. Nowadays, it is providing brokers with business prospects as a growing number of home owners opt to refinance their current home rather than purchasing a new one. According to the Australian Bureau of Statistics (ABS), their new data shows that refinancing accounts for 30.8 percent [...]
The Top Suburbs Of 2011
January 19th, 2012Research company RP Data has identified Australia’s top performing property markets for 2011. According to their research, Sydney’s eastern suburb Point Piper was listed as having the highest median sales price for both houses and units. Whereas Brewarrina, a suburb in North Western Australia was recorded as the most affordable suburb with a median sales [...]
The Importance of Optimism in Investing
January 19th, 2012There’s something about summer – the warm days, the lingering feeling of holidays even after you head back to work and those long nights that just make you feel good. Summer just seems to be infused with a strong sense of optimism. And this feeling of optimism is something we could [...]
* The home loans compared on this page are chosen from a range of loans this site tracks. 'Best' and 'Top' are ratings which are our suggestions from the major providers and not rated against every Australian home loan.