Homeloans.com.au Home Loan Rates & Review

Homeloans.com.au as of October 2025

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 60%)	5.64% p.a.	5.64% p.a.	$2,883	Principal & Interest	Variable	$0	$0	60%	Owner Occupier Variable Principal & Interest 40% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 80%)	5.74% p.a.	5.74% p.a.	$2,915	Principal & Interest	Variable	$0	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Investment) (LVR < 60%)	5.79% p.a.	5.79% p.a.	$2,931	Principal & Interest	Variable	$0	$0	60%	Investor Variable Principal & Interest 40% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Investment) (LVR < 80%)	5.89% p.a.	5.89% p.a.	$2,962	Principal & Interest	Variable	$0	$0	80%	Investor Variable Principal & Interest 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Interest Only) (Owner Occupied) (LVR < 60%)	5.94% p.a.	5.94% p.a.	$2,475	Interest-only	Variable	$0	$0	60%	Owner Occupier Variable Interest-only 40% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Interest Only) (Owner Occupied) (LVR < 80%)	6.04% p.a.	6.04% p.a.	$2,517	Interest-only	Variable	$0	$0	80%	Owner Occupier Variable Interest-only 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Interest Only) (Investment) (LVR < 60%)	6.09% p.a.	6.09% p.a.	$2,538	Interest-only	Variable	$0	$0	60%	Investor Variable Interest-only 40% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Interest Only) (Investment) (LVR < 80%)	6.19% p.a.	6.19% p.a.	$2,579	Interest-only	Variable	$0	$0	80%	Investor Variable Interest-only 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 90%)	6.34% p.a.	6.34% p.a.	$3,108	Principal & Interest	Variable	$0	$0	90%	Owner Occupier Variable Principal & Interest 10% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Investment) (LVR < 90%)	6.49% p.a.	6.49% p.a.	$3,157	Principal & Interest	Variable	$0	$0	90%	Investor Variable Principal & Interest 10% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Owner Occupied) (LVR < 95%)	6.54% p.a.	6.54% p.a.	$3,174	Principal & Interest	Variable	$0	$0	95%	Owner Occupier Variable Principal & Interest 5% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Interest Only) (Investment) (LVR < 90%)	6.64% p.a.	6.64% p.a.	$2,767	Interest-only	Variable	$0	$0	90%	Investor Variable Interest-only 10% Min Deposit Redraw Extra Repayments More details	More details	Compare
homeloans.com.au	homeloans.com.au Low Rate Home Loan (Principal and Interest) (Investment) (LVR < 95%)	6.69% p.a.	6.69% p.a.	$3,223	Principal & Interest	Variable	$0	$0	95%	Investor Variable Principal & Interest 5% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare

More home loans

Variable Home Loan P&I <90%

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw
Add an optional offset sub-account, T&C's apply.

Monthly repayments: $2,219

5.29% Advertised Rate (p.a.)

5.33% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

InfoChoice.com.au is proudly part of the InfoChoice Group, which includes Savings.com.au, YourMortgage.com.au, YourInvestmentPropertyMag.com.au, and PerformanceDrive.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

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Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).

Homeloans.com.au

Homeloans.com.au as of October 2025

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