Investor home loan rates sliding, but gap to owner occupiers persists
With the dust well and truly settled in the wake of back-to-back RBA cuts, it’s now clear that Australians with owner-occupier home loans aren’t the only beneficiaries.
An analysis by Mozo has revealed that investors have also received partial rate cut relief, with the average principal and interest home loan rate in the Mozo database having dropped by 35 basis points since June 1.
Interest-only investor home loans have fared even better, with lenders having cut rates by an average 37 basis points since the start of June.
RELATED: Borrowers abandon Big 4 for challenger banks
On average, the drop means that an investor with a $300,000 loan (making principal and interest repayments over a 30 year term) will be $63 a month better off or $22,570 better off over the 30 year period.
“The RBA’s decision to cut 50 basis points off the official cash rate this year and the removal of the APRA cap on interest only loans has warmed up the paddles of life for property investors,” said Mozo Property Expert, Steve Jovcevski.
“It’s encouraging that as well as rate cuts for investors paying principal and interest, we’re seeing a downward movement on interest only loans. This time two years ago property investors were staring down average interest only rates of 5.12% and lenders were handcuffed around the volume of loans they could issue by the APRA cap.”
The recent rate cuts have also sharpened some of the lowest rates currently^ in the Mozo database, with investors able to take advantage of a handful of principal and interest offers of 3.40% and below.
Variable investor home loan rates of 3.40% and below^
| Lender | Home Loan | Payments | Rate |
|---|---|---|---|
| Reduce Home Loans | Investor Rate Slasher | Principal & interest | 3.19% (3.27% comparison rate*) |
| Well Home Loans | Well Balanced | Principal & interest | 3.27% (3.29% comparison rate*) |
| FreedomLend | Variable Home Loan | Principal & interest | 3.34% (3.34% comparison rate*) |
| Homestar | Variable Rate Loan | Principal & interest | 3.39% (3.44% comparison rate*) |
| State Custodians | Low Rate Home Loan with Offset | Principal & interest | 3.40% (3.41% comparison rate*) |
The investor rate gap
Despite the recent rate shifts, the gap between investor home loan rates and owner occupier home loan rates remains significant.
Following the RBA’s June and July cuts, the average owner occupier principal and interest home loan rate in the Mozo database currently^ sits at 3.99% (based on a $300,000 residential loan at 80% LVR) - a full 42 basis points below the average investor principal and interest home loan rate of 4.41%.
The gap is less pronounced for interest-only loans though, with the average rate in the Mozo database for owner-occupiers currently^ sitting at 4.51% compared to 4.69% for investors.
As the graph below shows, the difference in owner occupier and investor rates has ballooned significantly since APRA introduced an investor lending cap in February 2017.
“While this rate relief is welcome news for investors, compared to owner occupiers, they are still in the hurt locker. At a time when rental returns are under pressure, it’s still difficult to lay a solid foundation for investing in property,” Jovcevski said.
RELATED: First home buyer optimism at a peak: ‘perfect time’ to join the market
Looking to capitalise on the recent rate drop by refinancing or applying for a new investor loan?
Check out some of the hot investment home loans in the table below or make your way over to the Mozo home loan comparison tables to compare even more offers.
-
Promoted
Mozo experts choice awards won:
- Low Cost Home Loan - 2025
Unloan Variable Home Loan
- Investor
- Principal & Interest
- 20% min deposit
- Redraw available
Go to site- Interest rate
-
5.69
%
p.a.
Variable
- Comparison rate
-
5.60
%
p.a.
- Initial monthly repayment
-
$2,899
- The first home loan with an increasing discount (conditions apply)
- No application or banking fees
- Built by CommBank
- interest rate
-
5.69% p.a. (5.60% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$0.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$0.00
- Package
-
-
- Maximum loan to value ratio
-
80.00%
- minimum borrowing amount
-
$10,000
- maximum borrowing amount
-
$10,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
no
- Other restrictions
-
-
- Other benefits
-
Rate automatically discounted by 0.01% p.a. every year up to a maximum discount of 0.30% p.a..
- Special Offers
-
-
Read reviews and learn more about Unloan home loans
Go to site -
Promoted
Variable Offset Home Loan
- Investor
- Principal & Interest
- 10% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.89
%
p.a.
Variable
- Comparison rate
-
6.09
%
p.a.
- Initial monthly repayment
-
$2,962
- $0 application fee to pay
- Apply in as little as 15 minutes
- interest rate
-
5.89% p.a. (6.09% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$495.40
- Ongoing fees
-
$15.00 monthly
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$3,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$1.00
- Offset account
-
yes
- Split account
-
-
- Other restrictions
-
Settlement fee comprises of upfront fee and establishment fee. Valuation fee varies.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about NRMA Home Loans home loans
Go to site -
Promoted
Fixed Rate Home Loan
- Fixed rate
- Investor
- Principal & Interest
- 10% min deposit
Go to site- Interest rate
-
5.74
%
p.a.
Fixed 2 years
- Comparison rate
-
5.93
%
p.a.
- Initial monthly repayment
-
$2,915
- Extra payments allowed (fee applies)
- No valuation fees
- interest rate
-
1 year - 5.89% p.a. (5.96% p.a. comparison rate)
2 years - 5.74% p.a. (5.93% p.a. comparison rate)
3 years - 5.74% p.a. (5.91% p.a. comparison rate)
4 years - 6.59% p.a. (6.20% p.a. comparison rate)
5 years - 6.59% p.a. (6.25% p.a. comparison rate)
- Fixed loan revert rate
-
5.94% p.a.
- Upfront fees
-
$300.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$395.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$20,000
- maximum borrowing amount
-
$5,000,000
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free up to $25,000 during fixed period
- Redraw facility
-
no
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
yes
- Other restrictions
-
Additional repayments allowed up to $25,000 during the fixed period.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about BCU Bank home loans
Go to site
-
Fixed Home Loan
- Fixed rate
- Investor
- Principal & Interest
- 10% min deposit
- Redraw available
- Cashback
Go to site- Interest rate
-
5.49
%
p.a.
Fixed 2 years
- Comparison rate
-
6.00
%
p.a.
- Initial monthly repayment
-
$2,836
- Get up to $4,000 cashback (T&Cs apply)
- Up to 12 months repayments in advance without penalties
- Split loan available
- interest rate
-
1 year - 5.99% p.a. (6.10% p.a. comparison rate)
2 years - 5.49% p.a. (6.00% p.a. comparison rate)
3 years - 5.49% p.a. (5.96% p.a. comparison rate)
5 years - 5.99% p.a. (6.10% p.a. comparison rate)
- Fixed loan revert rate
-
6.04% p.a.
- Upfront fees
-
$799.00
- Ongoing fees
-
$6.00 monthly
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$10,000
- maximum borrowing amount
-
$5,000,000
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free up to 1 year in advance
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$500.00
- Offset account
-
no
- Split account
-
yes
- Other restrictions
-
Monthly fee only applies to fixed period of loan.
- Other benefits
-
-
- Special Offers
-
$4,000 cashback for loans $750,000 and above with a maximum LVR of 80%, settled within 90 days of application for refinancers or 180 for purchase loans. $3,000 for loans between $500k and $749k, $2,000 for loans between $250k and $499k.
Read reviews and learn more about IMB Bank home loans
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Flex Home Loan
- Fixed rate
- Investor
- Principal & Interest
- 40% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.53
%
p.a.
Fixed 2 years
- Comparison rate
-
5.94
%
p.a.
- Initial monthly repayment
-
$2,848
- Multiple offset accounts available
- Free extra repayments
- Easy redraw facility
- interest rate
-
1 year - 5.62% p.a. (5.97% p.a. comparison rate)
2 years - 5.53% p.a. (5.94% p.a. comparison rate)
3 years - 5.58% p.a. (5.94% p.a. comparison rate)
5 years - 5.79% p.a. (6.01% p.a. comparison rate)
- Fixed loan revert rate
-
5.74% p.a.
- Upfront fees
-
$250.00
- Ongoing fees
-
$250.00 yearly
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
-
- maximum borrowing amount
-
-
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
Fixed Basic Home Loan
- Fixed rate
- Investor
- Principal & Interest
- 20% min deposit
- Redraw available
Go to site- Interest rate
-
5.59
%
p.a.
Fixed 2 years
- Comparison rate
-
5.87
%
p.a.
- Initial monthly repayment
-
$2,867
- interest rate
-
1 year - 5.84% p.a. (5.93% p.a. comparison rate)
2 years - 5.59% p.a. (5.87% p.a. comparison rate)
3 years - 5.59% p.a. (5.85% p.a. comparison rate)
4 years - 5.79% p.a. (5.89% p.a. comparison rate)
5 years - 5.79% p.a. (5.89% p.a. comparison rate)
- Fixed loan revert rate
-
5.89% p.a.
- Upfront fees
-
$495.40
- Ongoing fees
-
$0.00
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
80.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$3,000,000
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Monthly
- Extra repayments
-
yes - free, up to $20,000 p.a.
- Redraw facility
-
yes - manual redraws only
- Minimum redraw amount
-
$1.00
- Offset account
-
no
- Split account
-
-
- Other restrictions
-
Settlement fee comprises of upfront fee and establishment fee. Valuation fee varies.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about NRMA Home Loans home loans
Go to site -
Fixed Offset Home Loan
- Fixed rate
- Investor
- Principal & Interest
- 10% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.59
%
p.a.
Fixed 2 years
- Comparison rate
-
6.04
%
p.a.
- Initial monthly repayment
-
$2,867
- $0 application fee to pay
- Additional repayments up to $20,000/year
- Apply in as little as 15 minutes
- interest rate
-
1 year - 5.84% p.a. (6.09% p.a. comparison rate)
2 years - 5.59% p.a. (6.04% p.a. comparison rate)
3 years - 5.59% p.a. (6.01% p.a. comparison rate)
4 years - 5.79% p.a. (6.06% p.a. comparison rate)
5 years - 5.79% p.a. (6.05% p.a. comparison rate)
- Fixed loan revert rate
-
5.89% p.a.
- Upfront fees
-
$495.40
- Ongoing fees
-
$15.00 monthly
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$3,000,000
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Monthly
- Extra repayments
-
yes - free, up to $20,000 p.a.
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$1.00
- Offset account
-
yes
- Split account
-
-
- Other restrictions
-
Settlement fee comprises of upfront fee and establishment fee. Valuation fee varies.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about NRMA Home Loans home loans
Go to site -
Mozo experts choice awards won:
- Low Cost Home Loan - 2025
Unloan Variable Home Loan
- Investor
- Principal & Interest
- 20% min deposit
- Redraw available
Go to site- Interest rate
-
5.69
%
p.a.
Variable
- Comparison rate
-
5.60
%
p.a.
- Initial monthly repayment
-
$2,899
- The first home loan with an increasing discount (conditions apply)
- No application or banking fees
- Built by CommBank
- interest rate
-
5.69% p.a. (5.60% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$0.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$0.00
- Package
-
-
- Maximum loan to value ratio
-
80.00%
- minimum borrowing amount
-
$10,000
- maximum borrowing amount
-
$10,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
no
- Other restrictions
-
-
- Other benefits
-
Rate automatically discounted by 0.01% p.a. every year up to a maximum discount of 0.30% p.a..
- Special Offers
-
-
Read reviews and learn more about Unloan home loans
Go to site -
Solar Home Loan
- Investor
- Principal & Interest
- 10% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.69
%
p.a.
Variable for 60 months and then 6.23% p.a.
- Comparison rate
-
6.03
%
p.a.
- Initial monthly repayment
-
$2,899
- Unlimited additional repayments
- Option offset sub-account
- No ongoing fees to pay
- interest rate
-
6.23% p.a. (6.03% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$530.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$550.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$1,500,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$0.00
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
Only available for homes with a solar system.
- Other benefits
-
Offset sub-account available for an additional 0.10% p.a.
- Special Offers
-
-
Read reviews and learn more about loans.com.au home loans
Go to site -
Neat Home Loan
- Investor
- Principal & Interest
- 40% min deposit
- Redraw available
Go to site- Interest rate
-
5.74
%
p.a.
Variable
- Comparison rate
-
5.76
%
p.a.
- Initial monthly repayment
-
$2,915
- Free extra repayments
- Easy redraw facility
- No annual fee to pay
- interest rate
-
5.74% p.a. (5.76% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$250.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
$80,000
- maximum borrowing amount
-
$5,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
no
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
Fixed Rate Home Loan
- Fixed rate
- Investor
- Principal & Interest
- 10% min deposit
Go to site- Interest rate
-
5.74
%
p.a.
Fixed 2 years
- Comparison rate
-
5.93
%
p.a.
- Initial monthly repayment
-
$2,915
- Extra payments allowed (fee applies)
- No valuation fees
- interest rate
-
1 year - 5.89% p.a. (5.96% p.a. comparison rate)
2 years - 5.74% p.a. (5.93% p.a. comparison rate)
3 years - 5.74% p.a. (5.91% p.a. comparison rate)
4 years - 6.59% p.a. (6.20% p.a. comparison rate)
5 years - 6.59% p.a. (6.25% p.a. comparison rate)
- Fixed loan revert rate
-
5.94% p.a.
- Upfront fees
-
$300.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$395.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$20,000
- maximum borrowing amount
-
$5,000,000
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free up to $25,000 during fixed period
- Redraw facility
-
no
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
yes
- Other restrictions
-
Additional repayments allowed up to $25,000 during the fixed period.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about BCU Bank home loans
Go to site -
Flex Home Loan
- Investor
- Principal & Interest
- 40% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.74
%
p.a.
Variable
- Comparison rate
-
5.98
%
p.a.
- Initial monthly repayment
-
$2,915
- Multiple offset accounts available
- Free extra repayments
- Easy redraw facility
- interest rate
-
5.74% p.a. (5.98% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$250.00
- Ongoing fees
-
$250.00 yearly
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
-
- maximum borrowing amount
-
-
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
Mozo experts choice awards won:
- First Home Buyer Loan - 2025
Variable Investor Home Loan
- Investor
- Principal & Interest
- 10% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.84
%
p.a.
Variable
- Comparison rate
-
5.88
%
p.a.
- Initial monthly repayment
-
$2,947
- No monthly or ongoing fees
- Option to add an offset for 0.10% p.a.
- interest rate
-
5.84% p.a. (5.88% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$530.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$0.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$2,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$0.00
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
Offset sub-account available for additional +0.10%. $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about loans.com.au home loans
Go to site -
Mozo experts choice awards won:
- Offset Home Loan - 2025
- First Home Buyer Loan - 2025
Variable Basic Home Loan
- Investor
- Principal & Interest
- 20% min deposit
- Redraw available
Go to site- Interest rate
-
5.89
%
p.a.
Variable
- Comparison rate
-
5.93
%
p.a.
- Initial monthly repayment
-
$2,962
- $0 application fee to pay
- Only 10% deposit required
- Apply in as little as 15 minutes
- interest rate
-
5.89% p.a. (5.93% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$495.40
- Ongoing fees
-
$0.00
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
80.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$3,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - manual redraws only
- Minimum redraw amount
-
$1.00
- Offset account
-
no
- Split account
-
-
- Other restrictions
-
Settlement fee comprises of upfront fee and establishment fee. Valuation fee varies.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about NRMA Home Loans home loans
Go to site -
Variable Offset Home Loan
- Investor
- Principal & Interest
- 10% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.89
%
p.a.
Variable
- Comparison rate
-
6.09
%
p.a.
- Initial monthly repayment
-
$2,962
- $0 application fee to pay
- Apply in as little as 15 minutes
- interest rate
-
5.89% p.a. (6.09% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$495.40
- Ongoing fees
-
$15.00 monthly
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$3,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$1.00
- Offset account
-
yes
- Split account
-
-
- Other restrictions
-
Settlement fee comprises of upfront fee and establishment fee. Valuation fee varies.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about NRMA Home Loans home loans
Go to site
Your selected home loans
^ Accurate as of time of writing.
*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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
* 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.
^See information about the Mozo Experts Choice Home Loan Awards
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