Compare Home loans

Home loans

Compare the home loan rates lenders publish across Australia. Filter by what matters; the lowest true cost rises to the top. Free, no sign-up.

1,202 home loans from 113 providers

Rates checked 30 Sep
How we rank

Lowest rate among products from the 113 lenders included in this comparison: 5.79%

interest rate p.a.comparison rate▲est. monthly on $600k / 25yr
The Mutual BankThe Mutual Bank

The Mutual Bank

Budget Home Loan
Lends up to 95%

Redraw · Extra repayments · Digital banking

Rates from 5.79% to 7.48%

5.79%Variable rate
5.79%^comparison
$3,789est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Virgin Money AustraliaVirgin Money Australia

Virgin Money Australia

Virgin Money Lite Home Loan
Lends up to 100%

Earns points · Redraw · Extra repayments

Rates from 5.84% to 8.71%

from 5.84%Variable rate
5.86%^comparison
$3,807est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

NORTHERN INLAND CREDIT UNION LTD.NORTHERN INLAND CREDIT UNION LTD.

NORTHERN INLAND CREDIT UNION LTD.

Value Fixed Home Loan 12M
Lends up to 98%

Redraw · Extra repayments · Digital banking

5.99%Fixed 1 yr rate
5.87%^comparison
$3,862est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Summerland BankSummerland Bank

Summerland Bank

ECO Home Loan

Redraw · Extra repayments · Npp payid

Rates from 5.84% to 6.54%

5.84%Variable rate
5.90%^comparison
$3,807est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Gateway BankGateway Bank

Gateway Bank

Low Rate Essentials
Lends up to 95%

Redraw · Extra repayments · Digital banking

Rates from 5.89% to 6.50%

5.89%Variable rate
5.91%^comparison
$3,826est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Homestar FinanceHomestar Finance

Homestar Finance · non-bank lender

Star Nova
Lends up to 80%

Offset · Redraw · Extra repayments

Rates from 5.93% to 6.68%

from 5.93%Variable rate
5.93%^comparison
$3,840est. monthly on $600k / 25yr
Details ›

no commission on this product

UNITY BANKUNITY BANK

UNITY BANK

Vic Homebuyer Fund
Employment conditions apply

Offset · Redraw · Extra repayments

5.90%Variable rate
5.93%^comparison
$3,829est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

UpUp

Up

Up Home Loan
Lends up to 90%

Offset · Redraw · Extra repayments

5.95%Variable rate
5.95%^comparison
$3,847est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

NRMA InsuranceNRMA Insurance

NRMA Insurance

NRMA Basic Home Loan
Lends up to 80%

Redraw · Extra repayments

Rates from 5.94% to 7.14%

from 5.94%Variable rate
5.98%^comparison
$3,844est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Homestar FinanceHomestar Finance

Homestar Finance · non-bank lender

Star Essentials
Lends up to 80%

Redraw · Extra repayments · Digital wallet

from 5.98%Variable rate
5.98%^comparison
$3,858est. monthly on $600k / 25yr
Details ›

no commission on this product

NORTHERN INLAND CREDIT UNION LTD.NORTHERN INLAND CREDIT UNION LTD.

NORTHERN INLAND CREDIT UNION LTD.

Value Home Loan - Investment
Lends up to 80%

Redraw · Extra repayments · Digital banking

5.94%Variable rate
5.98%^comparison
$3,844est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Broken Hill BankBroken Hill Bank

Broken Hill Bank

Choice Home Loan
Lends up to 80%

Earns points · Redraw · Extra repayments

5.94%Variable rate
5.99%^comparison
$3,844est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

FIRST OPTION BANKFIRST OPTION BANK

FIRST OPTION BANK

SIMPLE HOME LOAN

Redraw · Extra repayments · Digital banking

Rates from 5.99% to 6.64%

5.99%Variable rate
5.99%^comparison
$3,862est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Queensland Country BankQueensland Country Bank

Queensland Country Bank

Home Loan-Package
Lends up to 95%

Offset · Redraw · Extra repayments

Rates from 5.99% to 8.59%

from 5.99%Variable rate
6.00%^comparison
$3,862est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

FirstmacFirstmac

Firstmac · non-bank lender

Standard Variable Bundle Home Loan

Offset · Redraw · Extra repayments

6.33%Variable rate
6.00%^comparison
$3,988est. monthly on $600k / 25yr
Details ›

no commission on this product

ME BankME Bank

ME Bank

ME Bank EconoME Home Loan
Lends up to 100%

Redraw · Extra repayments · Digital banking

Rates from 5.99% to 8.73%

from 5.99%Variable rate
6.01%^comparison
$3,862est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Lending and bank accounts, both associated with BSB number 939 200Lending and bank accounts, both associated with BSB number 939 200

Lending and bank accounts, both associated with BSB number 939 200

AMP Essential Home Loan

Redraw · Extra repayments · Additional cards

Rates from 5.99% to 6.94%

5.99%Variable rate
6.02%^comparison
$3,862est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

Bendigo BankBendigo Bank

Bendigo Bank

Bendigo Express Home Loan
Lends up to 80%

Offset · Redraw · Extra repayments

Rates from 5.89% to 6.44%

5.89%Variable rate
6.02%^comparison
$3,826est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

IMB BankIMB Bank

IMB Bank

Budget Home Loan
Lends up to 95%

Redraw · Extra repayments · Digital banking

Rates from 5.99% to 7.39%

from 5.99%Variable rate
6.02%^comparison
$3,862est. monthly on $600k / 25yr
Go to provider
Details ›

no commission on this product

526 specialty home loans are hidden

Include specialty home loans

Showing the first 50 of 1202 - use the filters to narrow down.

LookFirst does not compare every provider or product in the market. Important information

Some rates vary by deposit size (LVR); where they do, the shown rate is the lowest tier, marked ‘from’.

Non-bank lenders began publishing product data under the Consumer Data Right on 13 July 2026. Some of their products are voluntary to publish (consumer leases, reverse mortgages, margin loans, novated, fleet and other non-standard vehicle finance, and any product with under 1,000 customers), some lenders hold exemptions from the ACCC, and lenders below the size threshold are not obliged to publish at all, so some lenders and products are not here.

Monthly repayment is an estimate on the amount you enter (default $600,000), principal and interest over 25 years at the shown interest rate. It is not a quote, and not a statement that any lender will offer you this loan - your rate, term and fees will change the figure. Confirm with the provider.

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