Our interest rates

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
Under 60% LVR	2.14 % p.a. Interest rate	2.16 % p.a. Comparison rate	2.44 % p.a. Interest rate	2.27 % p.a. Comparison rate	2.29 % p.a. Interest rate	2.31 % p.a. Comparison rate	2.59 % p.a. Interest rate	2.42 % p.a. Comparison rate
60-80% LVR	2.24 % p.a. Interest rate	2.26 % p.a. Comparison rate	2.54 % p.a. Interest rate	2.37 % p.a. Comparison rate	2.39 % p.a. Interest rate	2.41 % p.a. Comparison rate	2.69 % p.a. Interest rate	2.52 % p.a. Comparison rate
80-90% LVR	2.59 % p.a. Interest rate	2.61 % p.a. Comparison rate	N/A	N/A	2.74 % p.a. Interest rate	2.76 % p.a. Comparison rate	2.89 % p.a. Interest rate	2.81 % p.a. Comparison rate
90-95% LVR	2.79 % p.a. Interest rate	2.81 % p.a. Comparison rate	N/A	N/A	2.94 % p.a. Interest rate	2.96 % p.a. Comparison rate	N/A	N/A

Owner Occupied
Investment

Under 60% LVR
Principal & Interest	Interest Only
2.14 % p.a. Interest rate	2.44 % p.a. Interest rate
2.16 % p.a. Comparison Rate	2.27 % p.a. Comparison Rate
60-80% LVR
Principal & Interest	Interest Only
2.24 % p.a. Interest rate	2.54 % p.a. Interest rate
2.26 % p.a. Comparison Rate	2.37 % p.a. Comparison Rate
80-90% LVR
Principal & Interest	Interest Only
2.59 % p.a. Interest rate	N/A
2.61 % p.a. Comparison Rate	N/A
90-95% LVR
Principal & Interest	Interest Only
2.79 % p.a. Interest rate	N/A
2.81 % p.a. Comparison Rate	N/A

Under 60% LVR
Principal & Interest	Interest Only
2.29 % p.a. Interest rate	2.59 % p.a. Interest rate
2.31 % p.a. Comparison Rate	2.42 % p.a. Comparison Rate
60-80% LVR
Principal & Interest	Interest Only
2.39 % p.a. Interest rate	2.69 % p.a. Interest rate
2.41 % p.a. Comparison Rate	2.52 % p.a. Comparison Rate
80-90% LVR
Principal & Interest	Interest Only
2.74 % p.a. Interest rate	2.89 % p.a. Interest rate
2.76 % p.a. Comparison Rate	2.81 % p.a. Comparison Rate
90-95% LVR
Principal & Interest	Interest Only
2.94 % p.a. Interest rate	N/A
2.96 % p.a. Comparison Rate	N/A

Quickstart Home Loan

	Owner Occupied				Investment
	Principal & Interest		Interest Only		Principal & Interest		Interest Only
90-95% LVR	3.59 % p.a. Interest rate	3.61 % p.a. Comparison rate	N/A	N/A	N/A	N/A	N/A	N/A

Owner Occupied
Investment

90-95% LVR
Principal & Interest	Interest Only
3.59 % p.a. Interest rate	N/A
3.61 % p.a. Comparison Rate	N/A

90-95% 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
Under 70% LVR	2.99 % p.a. Interest rate	3.01 % p.a. Comparison rate	3.14 % p.a. Interest rate	3.06 % p.a. Comparison rate	3.14 % p.a. Interest rate	3.16 % p.a. Comparison rate	3.29 % p.a. Interest rate	3.21 % p.a. Comparison rate
70-80% LVR	2.99 % p.a. Interest rate	3.01 % p.a. Comparison rate	3.14 % p.a. Interest rate	3.06 % p.a. Comparison rate	3.14 % p.a. Interest rate	3.16 % p.a. Comparison rate	3.29 % p.a. Interest rate	3.21 % p.a. Comparison rate

Owner Occupied
Investment

Under 70% LVR
Principal & Interest	Interest Only
2.99 % p.a. Interest rate	3.14 % p.a. Interest rate
3.01 % p.a. Comparison Rate	3.06 % p.a. Comparison Rate
70-80% LVR
Principal & Interest	Interest Only
2.99 % p.a. Interest rate	3.14 % p.a. Interest rate
3.01 % p.a. Comparison Rate	3.06 % p.a. Comparison Rate

Under 70% LVR
Principal & Interest	Interest Only
3.14 % p.a. Interest rate	3.29 % p.a. Interest rate
3.16 % p.a. Comparison Rate	3.21 % p.a. Comparison Rate
70-80% LVR
Principal & Interest	Interest Only
3.14 % p.a. Interest rate	3.29 % p.a. Interest rate
3.16 % p.a. Comparison Rate	3.21 % p.a. Comparison Rate

Flex Home Loan

	Owner Occupied				Investment
	Principal & Interest		Interest Only		Principal & Interest		Interest Only
Under 70% LVR	3.34 % p.a. Interest rate	3.43 % p.a. Comparison rate	3.49 % p.a. Interest rate	3.47 % p.a. Comparison rate	3.49 % p.a. Interest rate	3.60 % p.a. Comparison rate	3.64 % p.a. Interest rate	3.62 % p.a. Comparison rate
70-80% LVR	3.54 % p.a. Interest rate	3.65 % p.a. Comparison rate	3.69 % p.a. Interest rate	3.70 % p.a. Comparison rate	3.69 % p.a. Interest rate	3.82 % p.a. Comparison rate	3.84 % p.a. Interest rate	3.85 % p.a. Comparison rate
80-85% LVR	4.54 % p.a. Interest rate	4.67 % p.a. Comparison rate	N/A	N/A	4.69 % p.a. Interest rate	4.85 % p.a. Comparison rate	4.84 % p.a. Interest rate	4.87 % p.a. Comparison rate
85-90% LVR	5.24 % p.a. Interest rate	5.40 % p.a. Comparison rate	N/A	N/A	5.39 % p.a. Interest rate	5.60 % p.a. Comparison rate	5.54 % p.a. Interest rate	5.60 % p.a. Comparison rate

Owner Occupied
Investment

Under 70% LVR
Principal & Interest	Interest Only
3.34 % p.a. Interest rate	3.49 % p.a. Interest rate
3.43 % p.a. Comparison Rate	3.47 % p.a. Comparison Rate
70-80% LVR
Principal & Interest	Interest Only
3.54 % p.a. Interest rate	3.69 % p.a. Interest rate
3.65 % p.a. Comparison Rate	3.70 % p.a. Comparison Rate
80-85% LVR
Principal & Interest	Interest Only
4.54 % p.a. Interest rate	N/A
4.67 % p.a. Comparison Rate	N/A
85-90% LVR
Principal & Interest	Interest Only
5.24 % p.a. Interest rate	N/A
5.40 % p.a. Comparison Rate	N/A

Under 70% LVR
Principal & Interest	Interest Only
3.49 % p.a. Interest rate	3.64 % p.a. Interest rate
3.60 % p.a. Comparison Rate	3.62 % p.a. Comparison Rate
70-80% LVR
Principal & Interest	Interest Only
3.69 % p.a. Interest rate	3.84 % p.a. Interest rate
3.82 % p.a. Comparison Rate	3.85 % p.a. Comparison Rate
80-85% LVR
Principal & Interest	Interest Only
4.69 % p.a. Interest rate	4.84 % p.a. Interest rate
4.85 % p.a. Comparison Rate	4.87 % p.a. Comparison Rate
85-90% LVR
Principal & Interest	Interest Only
5.39 % p.a. Interest rate	5.54 % p.a. Interest rate
5.60 % p.a. Comparison Rate	5.60 % p.a. Comparison Rate

Flex Alt Doc Home Loan

	Owner Occupied				Investment
	Principal & Interest		Interest Only		Principal & Interest		Interest Only
Under 70% LVR	3.74 % p.a. Interest rate	3.85 % p.a. Comparison rate	3.89 % p.a. Interest rate	3.90 % p.a. Comparison rate	3.89 % p.a. Interest rate	4.00 % p.a. Comparison rate	4.04 % p.a. Interest rate	4.05 % p.a. Comparison rate
70-80% LVR	4.24 % p.a. Interest rate	4.37 % p.a. Comparison rate	4.39 % p.a. Interest rate	4.42 % p.a. Comparison rate	4.39 % p.a. Interest rate	4.52 % p.a. Comparison rate	4.54 % p.a. Interest rate	4.57 % p.a. Comparison rate
80-85% LVR	4.74 % p.a. Interest rate	4.90 % p.a. Comparison rate	N/A	N/A	4.89 % p.a. Interest rate	5.05 % p.a. Comparison rate	5.04 % p.a. Interest rate	5.10 % p.a. Comparison rate
85-90% LVR	5.44 % p.a. Interest rate	5.65 % p.a. Comparison rate	N/A	N/A	5.59 % p.a. Interest rate	5.81 % p.a. Comparison rate	5.74 % p.a. Interest rate	5.85 % p.a. Comparison rate

Owner Occupied
Investment

Under 70% LVR
Principal & Interest	Interest Only
3.74 % p.a. Interest rate	3.89 % p.a. Interest rate
3.85 % p.a. Comparison Rate	3.90 % p.a. Comparison Rate
70-80% LVR
Principal & Interest	Interest Only
4.24 % p.a. Interest rate	4.39 % p.a. Interest rate
4.37 % p.a. Comparison Rate	4.42 % p.a. Comparison Rate
80-85% LVR
Principal & Interest	Interest Only
4.74 % p.a. Interest rate	N/A
4.90 % p.a. Comparison Rate	N/A
85-90% LVR
Principal & Interest	Interest Only
5.44 % p.a. Interest rate	N/A
5.65 % p.a. Comparison Rate	N/A

Under 70% LVR
Principal & Interest	Interest Only
3.89 % p.a. Interest rate	4.04 % p.a. Interest rate
4.00 % p.a. Comparison Rate	4.05 % p.a. Comparison Rate
70-80% LVR
Principal & Interest	Interest Only
4.39 % p.a. Interest rate	4.54 % p.a. Interest rate
4.52 % p.a. Comparison Rate	4.57 % p.a. Comparison Rate
80-85% LVR
Principal & Interest	Interest Only
4.89 % p.a. Interest rate	5.04 % p.a. Interest rate
5.05 % p.a. Comparison Rate	5.10 % p.a. Comparison Rate
85-90% LVR
Principal & Interest	Interest Only
5.59 % p.a. Interest rate	5.74 % p.a. Interest rate
5.81 % p.a. Comparison Rate	5.85 % p.a. Comparison Rate

Need to know:

Eligibility criteria apply. Interest rates are effective from 15 March 2021 and are subject to change. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.