Lender

Loan Type

Interest Rate

Comparison Rate

Monthly Cost

Discount Variable Rate - Special Rate (Owner Occupied)
Initial
4.14%
Ongoing
4.14%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $700
  2. No Credit Card attached
  3. Must have genuine savings
Sharp (Prime) LVR 70%
Initial
4.14%
Ongoing
4.14%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Upfront Fees of $995
  2. No Credit Card attached
Star (Prime) - AAA Rated LVR 70%
Initial
4.14%
Ongoing
4.14%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Annual Fees of $295
  2. No Credit Card attached
SmartSaver Variable LVR < 90% (Owner Occupied)
Initial
4.19%
Ongoing
4.19%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers

But be aware that

  1. Upfront Fees of $495
  2. No Credit Card attached
  3. Must have genuine savings
Homeloans Ultra Plus 80 $200K-$499K (Principal & Interest) (Owner Occupied)
Initial
3.99%
Ongoing
4.19%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $363
  2. No Credit Card attached
  3. Must have genuine savings
Homeloans Optima Offset up to $749K LVR 80% (Principal & Interest) (Owner Occupied)
Initial
4.21%
Ongoing
4.21%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $363
  2. No Bpay Option
Homeloans Optima up to $749K LVR 80% (Principal & Interest) (Owner Occupied)
Initial
4.21%
Ongoing
4.21%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $363
  2. No Bpay Option
Affinity Variable Rate Loan $250K - $499K (LVR <80%) (Owner Occupied)
Initial
4.23%
Ongoing
4.23%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers
  3. Anyone looking for an offset

But be aware that

  1. Upfront Fees of $645
  2. No Credit Card attached
  3. Must have genuine savings
SmartFit Variable LVR < 90% (Owner Occupied)
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers
  3. Anyone seeking bridging finance

But be aware that

  1. Upfront Fees of $495
  2. No Credit Card attached
  3. Must have genuine savings
Ezy Prime Fee Free Variable - LVR >80% 750k
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Investors
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $1227
  2. No Credit Card attached
  3. Must have genuine savings
Ezy Prime Fee Free Variable - LVR 80% 750k
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Investors
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $1227
  2. No Credit Card attached
  3. Must have genuine savings
Variable Home Loan - F555 - <=55%
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Upfront Fees of $1241.5
  2. No Credit Card attached
Basic Home Loan - (up to $749K) LVR 80% (Principal & Interest) (Owner Occupied)
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $363
  2. Must have genuine savings
Bankwest Premium Select HL (Agg. Borrowings $20K - $499K) LVR 80%
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $60
  2. No Credit Card attached
Sharp (Prime) LVR 80%
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Upfront Fees of $995
  2. No Credit Card attached
Star (Prime) - AAA Rated LVR 80%
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Annual Fees of $295
  2. No Credit Card attached
Homeloans Accelerate Prime LVR 55%
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Upfront Fees of $1239
  2. No Credit Card attached
  3. Must have genuine savings
Alternate Prime LVR 55%
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the flexibility of interest only
  2. Owner Occupiers

But be aware that

  1. Upfront Fees of $1214
  2. No Credit Card attached
  3. Must have genuine savings
Pepper Essential (LVR up to 55%)
Initial
4.24%
Ongoing
4.24%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking finance on vacant land

But be aware that

  1. Upfront Fees of $1039
  2. No Credit Card attached
  3. Must have genuine savings
Balanced Bonus Saver Home Loan (Adelaide Bank) (Owner Occupied)
Initial
4.26%
Ongoing
4.26%

Great For

  1. Anyone who wants the certainty of principal and interest
  2. Owner Occupiers
  3. Anyone seeking construction finance

But be aware that

  1. Upfront Fees of $1094
  2. No Bpay Option
  3. Must have genuine savings