canstar
canstar
PromotedIMB
Variable
Principal & Interest
  • Cashback up to $4,000* for loans $750k+
  • $0 application fees, monthly or annual fees
  • Apply Online
  • Minimum deposit: 30%
  • Application fee: $449
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 237391

PromotedQueensland Country Bank
Variable
Principal & Interest
  • Up to 5 100% mortgage offset accounts on P&I loans
  • Award-winning package, redraw facility available
  • No penalties for extra repayments
  • Minimum deposit: 20%
  • Application fee: $0
  • Ongoing fee: $395/yr
  • Offset account
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 244533

Promotedloans.com.au
Variable
Principal & Interest
  • Available for purchase or refinance, min 10% deposit
  • Fast turnaround times to meet tight settlement timeframes
  • No application, ongoing or monthly fees.
  • Minimum deposit: 10%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 395219

PromotedUnloan
Variable
Principal & Interest
  • A simple low rate with an increasing discount.
  • Apply in minutes. No Unloan Fees.
  • Fee-free extra repayments and redraw.
  • Minimum deposit: 20%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 234945

PromotedUp
Variable
Principal & Interest
  • Make up to 50 Savers that flip into free offsets.
  • Fair rates. Low fees. No need to haggle.
  • 100% mobile, and easy to apply.
  • Minimum deposit: 10%
  • Application fee: $0
  • Ongoing fee: $0
  • Offset account
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 237879

PromotedPeople First Bank
Variable
Principal & Interest
  • No upfront or ongoing monthly administration fees
  • Option to link offset account, fee-free.
  • Unlimited and flexible repayment options.
  • Minimum deposit: 30%
  • Application fee: $0
  • Ongoing fee: $0
  • Offset account
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 244310

Virgin Money
Variable
Principal & Interest
  • Minimum deposit: 20%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply.

BCU Bank
Variable
Principal & Interest
  • Minimum deposit: 40%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 214077

Homestar Finance
Variable
Principal & Interest
  • Minimum deposit: 30%
  • Application fee: $0
  • Ongoing fee: $0
  • Offset account
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 390860

Community First Bank
Variable
Principal & Interest
  • Minimum deposit: 20%
  • Application fee: $600
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 231204

Unity Bank
Variable
Principal & Interest
  • Minimum deposit: 40%
  • Application fee: $0
  • Ongoing fee: $0
  • Offset account
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 238311

Macquarie Bank
Variable
Principal & Interest
  • Minimum deposit: 40%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility

Fees & charges apply. Australian Credit Licence 237502

Suncorp Bank
Variable
Principal & Interest
  • Minimum deposit: 30%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 229882 is held by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL 229882). Suncorp brand used under licence. Suncorp Bank is not a part of the Suncorp Group.

Auswide Bank
Variable
Principal & Interest
  • Minimum deposit: 20%
  • Application fee: $300
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 239686

MyState Bank
Variable
Principal & Interest
  • Minimum deposit: 20%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 240896

AMP Bank
Variable
Principal & Interest
  • Minimum deposit: 40%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 234517

Teachers Mutual Bank
Variable
Principal & Interest
  • Minimum deposit: 30%
  • Application fee: $600
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 238981

Bank of Melbourne
Variable
Principal & Interest
  • Minimum deposit: 30%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 233714

UniBank
Variable
Principal & Interest
  • Minimum deposit: 20%
  • Application fee: $600
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 238981

ANZ
Variable
Principal & Interest
  • Minimum deposit: 20%
  • Application fee: $0
  • Ongoing fee: $0
  • Additional repayments
  • Redraw facility
Go to Broker
with Finspo

Fees & charges apply. Australian Credit Licence 234527

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The initial results in the table above are sorted by Comparison rate (Low-High), Interest rate (Low-High), then Provider Name (Alphabetical). Additional filters may have been applied, see top of table for details.

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IMB

Enjoy up to $4,000 cashback when you switch your eligible home loan to IMB Bank. Terms and Conditions Apply

  • Interest rate p.a.
    Variable
  • Comparison rate^ p.a.
  • Low Rate Home Loan
  • Apply online in minutes!

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We do not compare all brands in the market, or all products from our participating brands. At times certain brands or products may not be available or offered to you. Learn more.

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Home loan tips from our expert

Don’t overlook the comparison rate 

A low interest rate might not mean much if a home loan comes with substantial fees. The comparison rate factors in most standard upfront and ongoing fees, giving you a truer picture of a mortgage’s actual cost.

Match mortgage features to your money management style

If you are a saver, an offset account could help you shave thousands off your overall interest bill while keeping your cash accessible. If you plan to make extra repayments but want an emergency safety net, a redraw facility might fit your needs. Or, if you value a holistic financial ecosystem, a package home loan could let you bundle your mortgage and credit card while waiving certain fees. 

Preapproval puts you on the front foot 

Looking to buy? Being pre-approved for a home loan means a lender has looked over your finances and agreed, based on what it’s seen, you’d likely be a good fit for a mortgage. It can give you a realistic idea of your borrowing power and signals you’re a serious contender when making offers on homes.


Important Information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.