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Home Loans

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Home Loan News

First home buyers like smaller lenders

Smaller lenders are increasingly popular with first home buyers. AFG's quarterly competition index shows that non-big four lenders enjoy a much higher percentage of market-share in the first home buyers market than with other borrowers. Read full article

MacBank winning mortgages from the big four

The big four banks CBA, ANZ, Westpac and NAB plus their subsidiary brands such as Bankwest and St George sell about 83 per cent of all mortgages in Australia according to the Australian Prudential Regulation Authority. Read full article

Mortgage market is hot

National mortgage demand shows no signs of slackening, with the latest figures from Veda showing a 10.8 per cent increase in demand year-on-year down from 14.8 per cent set in the last quarter of 2013. Read full article

Many young first home buyers are investors

Australia's first-home buyers are morphing into first-home investors. Much of the current investor demand for housing has come from young, middle to high income households and is actually "pseudo first-home buyer demand", according to research by Macquari Read full article

Regional banks want a level playing field

Large banks have considerable pricing power in the mortgage market and should be "taxed" in some fashion to level the playing field, four regional banks - Bendigo and Adelaide Bank, BOQ, ME Bank and Suncorp Bank - argue in a submission to the Financial Sy Read full article

More Home Loan News

Home Loan Guides

Don’t get caught out with interest rates increases

Your bank just increased your home loan rate by 0.25% (or did they?) How to keep your lender honest Read full article

Prepare for Rate Rise or Risk Needing a Second Job

Leading banking comparison site has warned many Australians are inadequately prepared to cover the rising costs of home loan repayments following the anticipated return to more normal interest rate levels in the coming months. Read full article

How to reduce your bank fees

With several banking products available in the market, and with different terminologies used to describe the nature of the fees charged on these accounts, it is no wonder consumers often get confused or lose track of the fees they are paying. Read full article

What is a non-conforming loan?

It is important to be aware of the distinction between low-doc and non-conforming loan products. Read full article

What are low-doc loans?

Low-documentation or low-doc loans are for people generally the self-employed - who have difficulty getting the documentation together that is required to get a traditional home loan. Read full article

What to ask your low-doc lender

Low-doc loans are designed for people who wish to borrow to buy a property but cannot provide the documentation that is generally required for a standard loan. Read full article

Watch out for hidden early exit fees

Check the exit fees and consider how long you're likely to stick with a loan. Read full article

Don't be misled by 'standard variable rates' - use the IBVR

The average rate paid for standard loans at variable rates, and taking into account all types of lenders and discount packages, is 5.36 per cent, Infochoice's Benchmark Variable Rate analysis shows. Read full article

Reverse mortgages explained

A number of lenders now offer "reverse mortgage" loans for retired people who own their own home but have little cash to live on. Read full article

What to look for in a reverse mortgage

While reverse mortgages are being touted as the answer to a cash-strapped, home-owning retirees prayers, there are always potential pitfalls to consider. Read full article

More Home Loan Guides

More Home Loan Rates

Institution Product
Rate^ (%)
Rate* (%)
UHomeLoan - Variable Loan with a special Upfront Discount of 0.25% p.a. 4.62 4.62 Go to site
Tier 1 Premium+ Package Home Loan 4.87 5.22 Go to site
Ultimate Home Loan Package 4.94 5.27 Go to site
Basic Home Loan 5.09 5.13 Go to site
NAB Base Variable Rate Home Loan 5.23 5.23 Go to site
Dream Home Loan - purchase and refinance 4.49 4.51  
Institution Product
Rate^ (%)
Rate* (%)

^Standard rate for a $250,000 standard loan. The 3 year table shows loans that are fixed for 3 years.
*Comparison rates shown are based on a home loan of $150,000 for 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.
For information on how we’ve selected these “Sponsored” and “Featured” products click here.


Choosing a Home Loan

Choosing a home loan

Whether you are a first-time buyer looking for a home loan or looking to refinance your existing home loan, you'll find it easier to find the loan that meets your needs right here.

Finding the right home loan isn't an easy task with thousands of products from hundreds of lenders it can be overwhelming just thinking about. Instead of searching through thousands of websites and sifting through mountains of information we've compiled the important details in a nice easy to digest table format.

To help you find the home loan we've created a search selector which helps narrow down the list of home loans simply by entering loan amount required, fixed or variable, loan purpose you can quickly narrow down your options. If your looking for a specific type of loan on offer you can use our quick links above the selector to go straight to the home loan results pages. With home loans being such a complicated product there are 3 tables for you to look through detailing rates, fees and features of those loans, you can view each of these tables by clicking on the tabs above the tables. If you've found some home loans that you think will suit your requirements you can compare each of these loans side-by-side by selecting the tick box next to each of the loans and click the compare selected button, in this view you will be able to view each of the loans with a full list of details in a side-by-side comparison.

We also offer a direct link to the home loan providers website where you can click through and get in touch with them directly, or if you would like to ask us a question simply fill out our "help me choose" form and one of our home loan experts will get in touch with you to discuss any questions you may have.