Interest Rate Update: With the recent RBA announcement, we’re taking the time to carefully review its impact on our rates. We know this is important to you, and we’ll keep you updated and share our decision as soon as possible.
Interest Rate Update: Following the recent RBA announcement, we’re pleased to confirm that we will be passing on the full 0.25% rate decrease to all existing and new customers on all variable rates.
Our new rates will be effective from 11 June 2025.
Our new rates will be effective from 11 June 2025.
LoanZone Maintenance: We will be performing scheduled system maintenance from 12am to 3am Tuesday 24th June AEST. During this time, you will not be able to access statements or upload any documentation.
We apologise for any inconvenience.
LoanZone
LoanZone is our online loan management platform where customers can manage their home loan, their way.. For any questions or issues you may have, please start by visiting our FAQs.
Rates tables
At homeloans.com.au we know that low interest rates are essentially important to our customers. As well as charging no monthly or annual fees and offering great loan features we strive to keep our rates as low as possible for the life of the loan.
Being variable rates, they do change from time to time as a result of changes to funding costs, but we'll always tell you why, when and by how much, as soon as a decision is made.
Low Rate Home Loan
| Owner Occupied | Investment | |||||||
|---|---|---|---|---|---|---|---|---|
| Principal & Interest | Interest Only | Principal & Interest | Interest Only | |||||
| ≤ 60% LVR | 5.89 % p.a. Interest rate | 5.89 % p.a. Comparison rate | 6.19 % p.a. Interest rate | 6.02 % p.a. Comparison rate | 6.04 % p.a. Interest rate | 6.04 % p.a. Comparison rate | 6.34 % p.a. Interest rate | 6.17 % p.a. Comparison rate |
| 60.01 - 80% LVR | 5.99 % p.a. Interest rate | 5.99 % p.a. Comparison rate | 6.29 % p.a. Interest rate | 6.07 % p.a. Comparison rate | 6.14 % p.a. Interest rate | 6.14 % p.a. Comparison rate | 6.44 % p.a. Interest rate | 6.27 % p.a. Comparison rate |
| 80.01 - 90% LVR | 6.59 % p.a. Interest rate | 6.59 % p.a. Comparison rate | N/A | N/A | 6.74 % p.a. Interest rate | 6.74 % p.a. Comparison rate | 6.89 % p.a. Interest rate | 6.80 % p.a. Comparison rate |
| 90.01 - 95% LVR | 6.79 % p.a. Interest rate | 6.79 % p.a. Comparison rate | N/A | N/A | 6.94 % p.a. Interest rate | 6.94 % p.a. Comparison rate | N/A | N/A |
-
Owner Occupied
-
Investment
| ≤ 60% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 5.89 % p.a. Interest rate | 6.19 % p.a. Interest rate | ||
| 5.89 % p.a. Comparison Rate | 6.02 % p.a. Comparison Rate | ||
| 60.01 - 80% LVR | |||
| Principal & Interest | Interest Only | ||
| 5.99 % p.a. Interest rate | 6.29 % p.a. Interest rate | ||
| 5.99 % p.a. Comparison Rate | 6.07 % p.a. Comparison Rate | ||
| 80.01 - 90% LVR | |||
| Principal & Interest | Interest Only | ||
| 6.59 % p.a. Interest rate | N/A | ||
| 6.59 % p.a. Comparison Rate | N/A | ||
| 90.01 - 95% LVR | |||
| Principal & Interest | Interest Only | ||
| 6.79 % p.a. Interest rate | N/A | ||
| 6.79 % p.a. Comparison Rate | N/A | ||
| ≤ 60% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 6.04 % p.a. Interest rate | 6.34 % p.a. Interest rate | ||
| 6.04 % p.a. Comparison Rate | 6.17 % p.a. Comparison Rate | ||
| 60.01 - 80% LVR | |||
| Principal & Interest | Interest Only | ||
| 6.14 % p.a. Interest rate | 6.44 % p.a. Interest rate | ||
| 6.14 % p.a. Comparison Rate | 6.27 % p.a. Comparison Rate | ||
| 80.01 - 90% LVR | |||
| Principal & Interest | Interest Only | ||
| 6.74 % p.a. Interest rate | 6.89 % p.a. Interest rate | ||
| 6.74 % p.a. Comparison Rate | 6.80 % p.a. Comparison Rate | ||
| 90.01 - 95% LVR | |||
| Principal & Interest | Interest Only | ||
| 6.94 % p.a. Interest rate | N/A | ||
| 6.94 % p.a. Comparison Rate | N/A | ||
Quickstart Home Loan
| Owner Occupied | Investment | |||||||
|---|---|---|---|---|---|---|---|---|
| Principal & Interest | Interest Only | Principal & Interest | Interest Only | |||||
| 90.01 - 95% LVR | 7.24 % p.a. Interest rate | 7.24 % p.a. Comparison rate | N/A | N/A | N/A | N/A | N/A | N/A |
-
Owner Occupied
-
Investment
| 90.01 - 95% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 7.24 % p.a. Interest rate | N/A | ||
| 7.24 % p.a. Comparison Rate | N/A | ||
| 90.01 - 95% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| N/A | N/A | ||
| N/A | N/A | ||
Options Home Loan
| Owner Occupied | Investment | |||||||
|---|---|---|---|---|---|---|---|---|
| Principal & Interest | Interest Only | Principal & Interest | Interest Only | |||||
| ≤ 70% LVR | 6.99 % p.a. Interest rate | 6.99 % p.a. Comparison rate | 7.14 % p.a. Interest rate | 7.05 % p.a. Comparison rate | 7.14 % p.a. Interest rate | 7.14 % p.a. Comparison rate | 7.29 % p.a. Interest rate | 7.21 % p.a. Comparison rate |
| 70.01 - 80% LVR | 6.99 % p.a. Interest rate | 6.99 % p.a. Comparison rate | 7.14 % p.a. Interest rate | 7.05 % p.a. Comparison rate | 7.14 % p.a. Interest rate | 7.14 % p.a. Comparison rate | 7.29 % p.a. Interest rate | 7.21 % p.a. Comparison rate |
-
Owner Occupied
-
Investment
| ≤ 70% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 7.24 % p.a. Interest rate | 7.39 % p.a. Interest rate | ||
| 7.24 % p.a. Comparison Rate | 7.29 % p.a. Comparison Rate | ||
| 70.01 - 80% LVR | |||
| Principal & Interest | Interest Only | ||
| 7.24 % p.a. Interest rate | 7.39 % p.a. Interest rate | ||
| 7.24 % p.a. Comparison Rate | 7.29 % p.a. Comparison Rate | ||
| ≤ 70% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 7.39 % p.a. Interest rate | 7.54 % p.a. Interest rate | ||
| 7.39 % p.a. Comparison Rate | 7.44 % p.a. Comparison Rate | ||
| 70.01 - 80% LVR | |||
| Principal & Interest | Interest Only | ||
| 7.39 % p.a. Interest rate | 7.54 % p.a. Interest rate | ||
| 7.39 % p.a. Comparison Rate | 7.44 % p.a. Comparison Rate | ||
Need to know:
Terms and condition and credit criteria apply. *Government charges apply. Third party charges may also apply. ^The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Interest rates are effective from 11 June 2025 and are subject to change.Acknowledgement of country
homeloans.com.au acknowledges and pays respect to the past, present and future Traditional Custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.
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