Homeloans.com.au Home Loan Rates & Review

Homeloans.com.au as of April 2026

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

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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%)	6.14% p.a.	6.14% p.a.	$3,043	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%)	6.24% p.a.	6.24% p.a.	$3,075	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%)	6.29% p.a.	6.29% p.a.	$3,092	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%)	6.39% p.a.	6.39% p.a.	$3,124	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%)	6.44% p.a.	6.44% p.a.	$2,683	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%)	6.54% p.a.	6.54% p.a.	$2,725	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%)	6.59% p.a.	6.59% p.a.	$2,746	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%)	6.69% p.a.	6.69% p.a.	$2,788	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%)	6.84% p.a.	6.84% p.a.	$3,273	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%)	6.99% p.a.	6.99% p.a.	$3,323	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%)	7.04% p.a.	7.04% p.a.	$3,340	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%)	7.14% p.a.	7.14% p.a.	$2,975	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%)	7.19% p.a.	7.19% p.a.	$3,391	Principal & Interest	Variable	$0	$0	95%	Investor Variable Principal & Interest 5% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare

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Bare Home Loan (Basic OO P&I <90%)

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw

Monthly repayments: $2,931

5.79% Advertised Rate (p.a.)

5.83% Comparison Rate (p.a.)

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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.

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Homeloans.com.au