Home Loans, Lowest Rate Mortgage, Refinancing Australia

	Variable rate	Comparison rate*		Key features
BEAT Home Loans's logo BEAT Home Loans RateBEATer Home Loan	6.57%	6.58%	see more details	BEAT guarantee to beat your variable home loan interest rate	Like this loan? Go to site
Homestar's logo Homestar Advantage Loan	6.63%	6.64%	see more details	No fee loan from the 2010 Non-Bank Lender of the Year.	Like this loan? Go to site
Resi's logo Resi Resi Smart Pro	6.69%	6.74%	see more details	Multi award winning non-bank lender that has been helping Australians for more than 25 years	Like this loan? Go to site
AMP's logo AMP Basic Variable Rate Loan	6.64%	6.66%	see more details	A low cost loan, with a 100% mortgage offset facility, and can be combined with fixed rate loans.	Like this loan? Go to site
Aussie's logo Aussie Classic Plus Variable (LVR <70%)	6.61%	6.80%	see more details	100s of loans. 16 lenders. Free appointment.	Like this loan? Go to site
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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BEAT Home Loans's logo
BEAT Home Loans

RateBEATer Home Loan
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Intro rate	Variable rate	Comparison rate*	Key features
	6.57%	6.58%	BEAT guarantee to beat your variable home loan interest rate

Upfront fees: $0
Ongoing fees: $0.00
Exit fee: $395
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $50,000
Maximum loan amount: $1,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Homestar's logo
Homestar

Advantage Loan
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Intro rate	Variable rate	Comparison rate*	Key features
	6.63%	6.64%	No fee loan from the 2010 Non-Bank Lender of the Year.

Upfront fees: $0
Ongoing fees: $0.00
Exit fee: $500
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $100,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Resi's logo
Resi

Resi Smart Pro
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Intro rate	Variable rate	Comparison rate*	Key features
	6.69%	6.74%	Multi award winning non-bank lender that has been helping Australians for more than 25 years

Upfront fees: $632
Ongoing fees
Exit fee
Early exit fee?: Yes
Extra repayments: Yes - free
Redraw facility: Yes - free
Offset account: No

Minimum loan amount: $30,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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AMP's logo
AMP

Basic Variable Rate Loan
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Intro rate	Variable rate	Comparison rate*	Key features
	6.64%	6.66%	A low cost loan, with a 100% mortgage offset facility, and can be combined with fixed rate loans.

Upfront fees: $250
Ongoing fees: $0.00
Exit fee: $350
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: Yes

Minimum loan amount: $40,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Aussie's logo
Aussie

Classic Plus Variable (LVR <70%)
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Intro rate	Variable rate	Comparison rate*	Key features
	6.61%	6.80%	100s of loans. 16 lenders. Free appointment.

Upfront fees: $450
Ongoing fees: $15.00 monthly
Exit fee: $215
Early exit fee?: Yes
Extra repayments: Yes - free
Redraw facility: Yes - free
Offset account

Minimum loan amount: $500,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

	Variable rate	Comparison rate*		Key features
BEAT Home Loans's logo BEAT Home Loans RateBEATer Home Loan	6.57%	6.58%	see more details	BEAT guarantee to beat your variable home loan interest rate	Like this loan? Go to site
Homestar's logo Homestar Advantage Loan	6.63%	6.64%	see more details	No fee loan from the 2010 Non-Bank Lender of the Year.	Like this loan? Go to site
MyRate.com.au's logo MyRate.com.au Advantage Loan	6.63%	6.64%	see more details	No fee home loans. Securely funded by ING Bank (Australia) Ltd.	Like this loan? Go to site
AMP's logo AMP Basic Variable Rate Loan	6.64%	6.66%	see more details	A low cost loan, with a 100% mortgage offset facility, and can be combined with fixed rate loans.	Like this loan? Go to site
Resi's logo Resi Resi Smart Pro	6.69%	6.74%	see more details	Multi award winning non-bank lender that has been helping Australians for more than 25 years	Like this loan? Go to site
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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BEAT Home Loans's logo
BEAT Home Loans

RateBEATer Home Loan
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Variable rate	Comparison rate*	Key features
6.57%	6.58%	BEAT guarantee to beat your variable home loan interest rate

Upfront fees: $0
Ongoing fees: $0.00
Exit fee: $395
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $50,000
Maximum loan amount: $1,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Homestar's logo
Homestar

Advantage Loan
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Variable rate	Comparison rate*	Key features
6.63%	6.64%	No fee loan from the 2010 Non-Bank Lender of the Year.

Upfront fees: $0
Ongoing fees: $0.00
Exit fee: $500
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $100,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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MyRate.com.au's logo
MyRate.com.au

Advantage Loan
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Variable rate	Comparison rate*	Key features
6.63%	6.64%	No fee home loans. Securely funded by ING Bank (Australia) Ltd.

Upfront fees: $0
Ongoing fees
Exit fee: $500
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $100,000
Maximum loan amount: $600,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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AMP's logo
AMP

Basic Variable Rate Loan
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Variable rate	Comparison rate*	Key features
6.64%	6.66%	A low cost loan, with a 100% mortgage offset facility, and can be combined with fixed rate loans.

Upfront fees: $250
Ongoing fees: $0.00
Exit fee: $350
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: Yes

Minimum loan amount: $40,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Resi's logo
Resi

Resi Smart Pro
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Variable rate	Comparison rate*	Key features
6.69%	6.74%	Multi award winning non-bank lender that has been helping Australians for more than 25 years

Upfront fees: $632
Ongoing fees
Exit fee
Early exit fee?: Yes
Extra repayments: Yes - free
Redraw facility: Yes - free
Offset account: No

Minimum loan amount: $30,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

	Fixed 3 year rate	Fixed 5 year rate	Comparison rate*		Key features
AMP's logo AMP Basic Fixed Rate Loan	6.99%	7.49%	6.76%	see more details	The option to split your loan, choose up to 10 facilities in any combination of Basic fixed and variable rate loans.	Like this loan? Go to site
RAMS's logo RAMS Fixed Rate	6.99%	7.49%	7.30%	see more details	Fix your loan for up to 10 years	Like this loan? Go to site
Community First's logo Community First True Fixed	7.09%		7.28%	see more details	100% offset account, ability to make extra repayments, redraw available, and no account keeping fees	Like this loan? Go to site
AMP's logo AMP Fixed Rate Loan	7.14%	7.49%	7.50%	see more details	Your choice of 1 Year Introductory, 1, 2, 3 and 5 years Fixed Rate loans.	Like this loan? Go to site
Aussie's logo Aussie Standard Fixed	7.54%	7.79%	7.35%	see more details	100s of loans. 16 lenders. Free appointment.	Like this loan? Go to site
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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AMP's logo
AMP

Basic Fixed Rate Loan
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Fixed 3 year rate	Fixed 5 year rate	Comparison rate*	Key features
6.99%	7.49%	6.76%	The option to split your loan, choose up to 10 facilities in any combination of Basic fixed and variable rate loans.

Upfront fees: $250
Ongoing fees: $0.00
Exit fee: $350
Early exit fee?: Fixed rate
break fees
Extra repayments: Yes
Redraw facility: Yes
Offset account: Yes

Minimum loan amount: $40,000
Maximum loan amount: $2,000,000
Type of loan: Fixed
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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RAMS's logo
RAMS

Fixed Rate
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Fixed 3 year rate	Fixed 5 year rate	Comparison rate*	Key features
6.99%	7.49%	7.30%	Fix your loan for up to 10 years

Upfront fees: $845
Ongoing fees: $120.00 yearly
Exit fee: $295
Early exit fee?: Fixed rate
break fees
Extra repayments: Yes-up to $25,000 during fixed
Redraw facility: Yes - fees apply
Offset account: No

Minimum loan amount: $25,000
Maximum loan amount
Type of loan: Fixed
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Community First's logo
Community First

True Fixed
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Fixed 3 year rate	Fixed 5 year rate	Comparison rate*	Key features
7.09%		7.28%	100% offset account, ability to make extra repayments, redraw available, and no account keeping fees

Upfront fees: $1,078
Ongoing fees
Exit fee: $200
Early exit fee?: Fixed rate
break fees
Extra repayments: Yes
Redraw facility: Yes
Offset account: Yes

Minimum loan amount: $10,000
Maximum loan amount: $2,500,000
Type of loan: Fixed
Repayment types: Principal & interest
Availability: Owner occupier, investor
Repayment options: Mothly, fortnightly, weekly, da

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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AMP's logo
AMP

Fixed Rate Loan
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Fixed 3 year rate	Fixed 5 year rate	Comparison rate*	Key features
7.14%	7.49%	7.50%	Your choice of 1 Year Introductory, 1, 2, 3 and 5 years Fixed Rate loans.

Upfront fees: $600
Ongoing fees: $10.00 monthly
Exit fee: $350
Early exit fee?: Fixed rate
break fees
Extra repayments: Yes - up to $10,000 p.a.
Redraw facility: No
Offset account: No

Minimum loan amount: $40,000
Maximum loan amount: $2,000,000
Type of loan: Fixed
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Aussie's logo
Aussie

Standard Fixed
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Fixed 3 year rate	Fixed 5 year rate	Comparison rate*	Key features
7.54%	7.79%	7.35%	100s of loans. 16 lenders. Free appointment.

Upfront fees: $675
Ongoing fees: $0.00
Exit fee: $215
Early exit fee?: Fixed rate
break fees
Extra repayments: Yes - conditions
Redraw facility: No
Offset account

Minimum loan amount: $50,000
Maximum loan amount: $2,500,000
Type of loan: Fixed
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

	Intro rate	Intro rate term	Comparison rate*		Key features
HSBC's logo HSBC Variable (PowerVantage)	5.69%	12 Months	6.83%	see more details	1.65% off the standard variable home loan rate for 12 months	Like this loan? Go to site
RAMS's logo RAMS Rate Relief	6.33%	24 Months	6.95%	see more details	Get an immediate 0.9% p.a. off the standard variable rate for the first two years	Like this loan? Go to site
Mortgage House's logo Mortgage House Carpe Diem	2.98%	6 Months	7.13%	see more details	Borrow up to 95% LVR, free redraws and comes with a revolving line of credit.	Like this loan? Go to site
AMP's logo AMP Introductory Variable Rate Loan (Professional Package )	6.44%	12 Months	7.02%	see more details	Redraw against the loan with no minimum redraw amount.	Like this loan? Go to site
NAB's logo NAB Introductory Rate - 1 yr variable	6.15%	12 Months	7.29%	see more details	We will negotiate on your behalf with NAB to get you a better home loan deal.	Like this loan? Proceed or call 1300 508 470
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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HSBC's logo
HSBC

Variable (PowerVantage)
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Intro rate	Intro rate term	Comparison rate*	Key features
5.69%	12 Months	6.83%	1.65% off the standard variable home loan rate for 12 months

Upfront fees: $450
Ongoing fees: $20.00 monthly
Exit fee: $300
Early exit fee?: Yes
Extra repayments: Yes - free
Redraw facility: Yes - fee is $20
Offset account: No

Minimum loan amount: $250,000
Maximum loan amount: $499,999
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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RAMS's logo
RAMS

Rate Relief
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Intro rate	Intro rate term	Comparison rate*	Key features
6.33%	24 Months	6.95%	Get an immediate 0.9% p.a. off the standard variable rate for the first two years

Upfront fees: $845
Ongoing fees: $0.00
Exit fee: $295
Early exit fee?: Yes
Extra repayments: Yes - free
Redraw facility: Yes - free
Offset account: No

Minimum loan amount: $100,000
Maximum loan amount
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Mortgage House's logo
Mortgage House

Carpe Diem
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Intro rate	Intro rate term	Comparison rate*	Key features
2.98%	6 Months	7.13%	Borrow up to 95% LVR, free redraws and comes with a revolving line of credit.

Upfront fees: $200
Ongoing fees
Exit fee
Early exit fee?: No
Extra repayments: Yes
Redraw facility: Yes - free
Offset account: Yes

Minimum loan amount: $100,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest
Availability: Owner occupier
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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AMP's logo
AMP

Introductory Variable Rate Loan (Professional Package )
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Intro rate	Intro rate term	Comparison rate*	Key features
6.44%	12 Months	7.02%	Redraw against the loan with no minimum redraw amount.

Upfront fees: $0
Ongoing fees: $349.00 yearly
Exit fee: $350
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: Yes

Minimum loan amount: $750,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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NAB's logo
NAB

Introductory Rate - 1 yr variable
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Intro rate	Intro rate term	Comparison rate*	Key features
6.15%	12 Months	7.29%	We will negotiate on your behalf with NAB to get you a better home loan deal.

Upfront fees: $800
Ongoing fees: $10.00 monthly
Exit fee: $150
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $20,000
Maximum loan amount
Type of loan: Variable
Repayment types: Principal & interest
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

	Variable rate	Comparison rate*		Key features
BEAT Home Loans's logo BEAT Home Loans RateBEATer Home Loan	6.57%	6.58%	see more details	BEAT guarantee to beat your variable home loan interest rate	Like this loan? Go to site
Homestar's logo Homestar Advantage Loan	6.63%	6.64%	see more details	No fee loan from the non-bank lender of the year.	Like this loan? Go to site
MyRate.com.au's logo MyRate.com.au Advantage Loan	6.63%	6.64%	see more details	No fee home loans. Securely funded by ING Bank (Australia) Ltd.	Like this loan? Go to site
AMP's logo AMP Basic Variable Rate Loan	6.64%	6.66%	see more details	A low cost loan, with a 100% mortgage offset facility, and can be combined with fixed rate loans.	Like this loan? Go to site
Resi's logo Resi Resi Smart Pro	6.69%	6.74%	see more details	Multi award winning non-bank lender that has been helping Australians for more than 25 years	Like this loan? Go to site
*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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BEAT Home Loans's logo
BEAT Home Loans

RateBEATer Home Loan
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Variable rate	Comparison rate*	Key features
6.57%	6.58%	BEAT guarantee to beat your variable home loan interest rate

Upfront fees: $0
Ongoing fees: $0.00
Exit fee: $395
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $50,000
Maximum loan amount: $1,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Homestar's logo
Homestar

Advantage Loan
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Variable rate	Comparison rate*	Key features
6.63%	6.64%	No fee loan from the non-bank lender of the year.

Upfront fees: $0
Ongoing fees: $0.00
Exit fee: $500
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $100,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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MyRate.com.au's logo
MyRate.com.au

Advantage Loan
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Variable rate	Comparison rate*	Key features
6.63%	6.64%	No fee home loans. Securely funded by ING Bank (Australia) Ltd.

Upfront fees: $0
Ongoing fees
Exit fee: $500
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: No

Minimum loan amount: $100,000
Maximum loan amount: $600,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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AMP's logo
AMP

Basic Variable Rate Loan
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Variable rate	Comparison rate*	Key features
6.64%	6.66%	A low cost loan, with a 100% mortgage offset facility, and can be combined with fixed rate loans.

Upfront fees: $250
Ongoing fees: $0.00
Exit fee: $350
Early exit fee?: Yes
Extra repayments: Yes
Redraw facility: Yes
Offset account: Yes

Minimum loan amount: $40,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.

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Resi's logo
Resi

Resi Smart Pro
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Variable rate	Comparison rate*	Key features
6.69%	6.74%	Multi award winning non-bank lender that has been helping Australians for more than 25 years

Upfront fees: $632
Ongoing fees
Exit fee
Early exit fee?: Yes
Extra repayments: Yes - free
Redraw facility: Yes - free
Offset account: No

Minimum loan amount: $30,000
Maximum loan amount: $2,000,000
Type of loan: Variable
Repayment types: Principal & interest, interest only
Availability: Owner occupier, investor
Repayment options: Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.