Compare Introductory Home Loan Interest Rates at InfoChoice
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Home / Home Loans / Introductory Loans

Looking for an introductory rate home loan?

Introductory rate home loans offer borrowers a discounted interest rate for a set period at the beginning of the loan. After the introductory period is over, the loan will then revert to the standard variable rate offered by the lender.


Our comparison table breaks down the introductory rates, terms, standard rates, features and fees associated with different home loans from a range of lenders. Best of all, it also shows the average total cost of each home loan over five years, so you can make a more informed decision when comparing offers.



Results showing:
  • All
  • Loan amount: 500,000
  • Owner occupiers
  • Show loans with special introductory rates
  • 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
Kick Start Variable 3.99 4.00 3.79 24 - - - $157,531.59 $2,581.55  
Equaliser Home Loan (Owner Occupied) 4.32 4.19 3.72 36 - - - $157,572.99 $2,562.50  
Advantage Discounted Variable 80 4.12 - 3.82 12 - - - $160,416.85 $2,589.74  
Mortgage Breaker - Owner Occupied - Choices Package 4.09 4.44 3.72 12 - - - $160,438.68 $2,562.50  
Easy Honeymoon Home Loan 4.10 4.10 3.65 - - - - $160,512.20 $2,543.52  
1 Year Intro Variable Home Loan 4.34 4.31 3.39 12 - - - $161,353.64 $2,473.72  
1 Year Intro Fixed Home Loan 4.34 4.31 3.39 12 - - - $161,353.64 $2,473.72  
Flexi First Option Home Loan (2 Year Introductory) - Principal & Interest 4.59 4.47 3.88 24 - - - $163,039.92 $2,606.17  
Housing Loan - Intro 2 Year Variable 4.59 4.52 3.99 24 - - - $164,442.65 $2,636.42  
First Home Buyers Home Loan 4.39 4.79 - - - - - $164,882.20 $2,748.04  
Home Loan Discounted Standard Variable - Owner Occupied 4.50 - 4.10 12 - - - $165,226.38 $2,666.87  
2 Year Introductory Variable Home Loan 4.85 4.71 3.85 24 - - - $165,932.43 $2,597.95  
Discounted Real Deal Home Loan 4.65 4.62 4.40 36 - - - $166,590.05 $2,750.86  
3 Year Special Economiser Discounted Base Variable Rate (P&I) 5.22 4.35 3.99 36 - - - $166,832.52 $2,636.42  
12mth Head Start 4.64 5.49 4.15 12 - - - $168,347.16 $2,680.77  
Intro Rate Home Loan 4.99 4.91 3.72 12 - - - $170,929.36 $2,562.50  
Home Loan Discounted Standard Variable - Investment 4.90 - 4.50 12 - - - $172,081.74 $2,779.16  
Honeymoon Home Loan 5.17 5.13 3.65 12 - - 0 $173,516.04 $2,543.52  
Introductory Rate Home Loan (Intro for 12 months) 4.99 4.98 4.49 12 - - - $173,957.93 $2,776.33  
1 Year Guaranteed Rate (P&I) 5.22 5.28 4.39 12 - - - $177,081.06 $2,748.04  
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

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*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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