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Home Equity Loan / Interest Rates

Looking for a good home equity loan?

If you have built up equity in your home and want to renovate or buy an investment property, you might consider a home equity loan. It’s flexible to use and repay, provided you can meet the minimum monthly repayments.


Use our comparison table to help you narrow down your search for the best home equity loan. Select the tick box next to the ones you like and click the “Compare” button to view their details side by side.



Results showing:
  • All
  • Loan amount: 500,000
  • Owner occupiers
  • Line of credit
  • Up-front fees: Any
  • Monthly fees: Any
  • Early term. fees: Any

Institution Product Name VARIABLE INTRO FIXED RATES 5 Year Cost Initial Monthly Repay.
Variable Rate Comp. Rate Intro Rate Term (months) 1 Yr 3 Yr Comp. Rate
Low Rate LOC <80 IO 3.69 3.75 - - - - - $155,042.37 $2,554.36  
Residential Mortgage Group Pty Ltd - Aussie Select Line of Credit (LVR <=80%) $500k-$999k 3.79 - - - - - - $156,123.26 $2,581.55  
Low Rate LOC <90 P&I 3.79 3.82 - - - - - $156,674.26 $2,581.55  
Residential Mortgage Group Pty Ltd - Aussie Select Line of Credit (LVR 80.01% - 90%) $500k-$999k 3.89 - - - - - - $157,764.63 $2,608.91  
Residential Mortgage Group Pty Ltd - Aussie Select Line of Credit 3.89 - - - - - - $157,797.63 $2,608.91  
PMG Line of Credit 4.19 4.19 - - - - - $161,515.23 $2,691.92  
All In One Account 4.40 - - - - - 0 $165,651.52 $2,750.86  
Mortgage Line of Credit 4.89 - - - - - 0 $173,459.73 $2,891.00  
Mortgage Master 4.85 - - - - - 0 $173,790.22 $2,879.42  
Super Equity Access Loan 4.99 - - - - - - $175,749.27 $2,920.04  
Sydney Saver Home Equity Overdraft 5.00 - - - - - 0 $176,077.01 $2,922.95  
Home Advantage Living Equity $250,000 to $699,999 5.00 - - - - - - $177,277.01 $2,922.95  
Home Equity Variable Loan 5.12 5.18 - - - - - $178,085.84 $2,958.01  
Tier 2 Premium Plus Package Credit Facility 5.05 - - - - - 0 $178,227.06 $2,937.53  
Flexi Line of Credit 5.09 5.29 - - - - 0 $178,513.69 $2,949.23  
Tier 1 Premium Plus Package Credit Facility 5.10 - - - - - 0 $179,104.32 $2,952.16  
AMO Line of Credit 5.16 - - - - - 0 $180,064.95 $2,969.75  
Mortgage Secured Overdraft 5.29 - - - - - - $180,482.98 $3,008.05  
Home Action Account 5.24 - - - - - 0 $180,672.37 $2,993.29  
Home and Investment Loan Package - Line of Credit 5.20 - - - - - 0 $180,865.46 $2,981.51  
Institution Product Name Variable Rate Comp. Rate Intro Rate Term (months) 1 Yr 3 Yr Comp. Rate 5 Year Cost Initial Monthly Repay.
VARIABLE INTRO FIXED RATES

“Sponsored” products are displayed first within the search results pages and can be re-sorted without this filter by de-selecting the “Show sponsored listings first” checkbox. For more information on how we’ve selected these “Sponsored” and “Featured” products click here
*The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
**Default value for 5 year cost and monthly repayments based on a home loan amount of $500,000, paid over a term of 25 years. 5 year cost is the sum of all principal and interest payments made on the home loan, along with any upfront fees (application, legal, settlement, valuation) as well as any ongoing fees that might be payable. This is assuming you remain with the same lender and no extra payments are made.




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Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

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