Compare home loans

Compare 240 home loans from the 22 providers including Westpac, Commonwealth Bank, NAB, ANZ, HSBC, Citibank.

The table below provides the home loan interest rates of some home loans currently available in the market. You can also see the comparison rates for each product. To find out more about each mortgage and to compare home loans, simply tick the box of the relevant product and click the 'Compare' button. Just keep in mind that we don't list every home loan in the market and when you're doing a comparison we may not have every feature available to compare.

The list below is not to be taken as a recommendation or an endorsement of any product or provider. We do not have any details of your personal circumstances and therefore are unable to make a recommendation as to which product might be most suitable for you. The information is presented to you so that you may make a decision based on your personal circumstances. The information in the list is presented randomly.

All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. MoneyBuddy and Deal Group Media Pty Ltd (Australian Credit Licence number 413224) endeavour to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. MoneyBuddy and Deal Group Media Pty Ltd earn a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are 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.

What To Look Out For When You Compare Home Loans

Looking at the headline interest rate is only one way to evaluate home loans - and it's a very limited way of making such an important financial decision. There are many features of a home loan that are very important and it is a good idea to do more than just compare interest rates. You could also look out for are things such as application fees, monthly or annual fees, whether you can make additional repayments, what happens if you want to pay out the loans early, if you can redraw on your mortgage, the amount required for a deposit, and the length of the loan.

Fixed Rate or Variable Rate

When comparing home loans another important decision is whether that interest rate is a fixed rate or variable rate.

Fixed rate home loans have an interest rate that can't be changed for a set period of time. This means your repayments will be a fixed amount and may allow you to budget with greater certainty. If your bank increases or decreases their variable interest rate, you won't be affected while on a fixed rate. At the end of the fixed period, most loan products will revert to a variable rate - but check with your lending institution for exact details on what may apply to you.

A variable rate home loan means that the interest payments will vary if the bank decides to change interest rates, often (but not always) due to the RBA changing the cash rate. This could be good if rates drop, because it means your repayments will decrease, however if rates rise you may find yourself under more financial pressure.

Even the brightest economists have trouble predicting the future of cash rates and interest rates, so be careful when listening to predictions from friends or so-called experts. If you need assistance then speak to a licensed professional who can look at your financial situation and can make recommendations based on your current position and future objectives. The choice to go fixed or variable should be based on all of these factors and more.

Check The Comparison Rate

The comparison rate is very important as it shows the true rate of the mortgage when costs such as fees and charges are included. This should be looked at to provide you with an even more thorough interest rate comparison.

Set A Budget

When you compare home loan features, it's only part of the picture of your financial commitment. Your repayments will also be determined on the amount you need to borrow. You may find it helpful to set a budget on what you can afford before you start seriously looking at houses. It's easy to fall in love with a house that may push you beyond levels that you can comfortably afford.

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