The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a interest only loan of at least $40,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $40,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $40,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $40,000 with an LVR below 60%
The details shown below are for an investor taking out a interest only loan of at least $40,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | 80%-90% | $40,000 | |
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Owner Occupier | Principal & Interest | 60%-80% | $40,000 | |
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Owner Occupier | Principal & Interest | < 60% | $40,000 | |
|
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Owner Occupier | Interest Only | < 80% | $40,000 | |
|
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Investor | Principal & Interest | 80%-90% | $40,000 | |
|
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Investor | Principal & Interest | 60%-80% | $40,000 | |
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Investor | Principal & Interest | < 60% | $40,000 | |
|
|
Investor | Interest Only | < 80% | $40,000 |
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $40,000
Owner Occupier (Principal & Interest)
LVR 60%-80%
Loan: $40,000
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $40,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $40,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $40,000
Investor (Principal & Interest)
LVR 60%-80%
Loan: $40,000
Investor (Principal & Interest)
LVR < 60%
Loan: $40,000
Investor (Interest Only)
LVR < 80%
Loan: $40,000
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4.64% p.a. |
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n/a |
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n/a |
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n/a |
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4.69% p.a. |
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n/a |
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n/a |
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n/a |
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|
n/a |
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n/a |
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|
n/a |
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n/a |
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n/a |
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$0.00 |
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$295.00 |
|
|
$0.00 |
|
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$349.00 |
|
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n/a |
|
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$0.00 |
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$390.00 |
|
$40,000 |
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none |
|
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80.00% |
|
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90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
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|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
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none |
|
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yes - free |
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none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
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none |
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|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
4.34% p.a. |
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n/a |
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n/a |
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n/a |
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4.39% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
|
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$295.00 |
|
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$0.00 |
|
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$349.00 |
|
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n/a |
|
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$0.00 |
|
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$390.00 |
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$40,000 |
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none |
|
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60.00% |
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80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
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yes - free |
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none |
|
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yes - free |
|
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none |
|
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yes |
|
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yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
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none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
4.24% p.a. |
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n/a |
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n/a |
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n/a |
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4.29% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
|
$0.00 |
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$295.00 |
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$0.00 |
|
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$349.00 |
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n/a |
|
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$0.00 |
|
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$390.00 |
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$40,000 |
|
|
none |
|
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none |
|
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60.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
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none |
|
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yes - free |
|
|
none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
|
|
none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
4.74% p.a. |
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n/a |
|
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n/a |
|
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n/a |
|
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4.04% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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|
n/a |
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|
n/a |
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|
n/a |
|
|
n/a |
|
$0.00 |
|
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$295.00 |
|
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$0.00 |
|
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$349.00 |
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n/a |
|
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$0.00 |
|
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$390.00 |
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$40,000 |
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none |
|
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none |
|
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80.00% |
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Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
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yes - free |
|
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none |
|
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yes - free |
|
|
none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
|
|
none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
5.02% p.a. |
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n/a |
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n/a |
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n/a |
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5.07% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
|
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$295.00 |
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$0.00 |
|
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$349.00 |
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n/a |
|
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$0.00 |
|
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$390.00 |
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$40,000 |
|
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none |
|
|
80.00% |
|
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90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
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none |
|
|
yes - free |
|
|
none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
|
|
none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
4.54% p.a. |
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n/a |
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n/a |
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n/a |
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4.59% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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$0.00 |
|
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$295.00 |
|
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$0.00 |
|
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$349.00 |
|
|
n/a |
|
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$0.00 |
|
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$390.00 |
|
$40,000 |
|
|
none |
|
|
60.00% |
|
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80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
|
|
none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
4.49% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
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4.54% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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|
n/a |
|
|
n/a |
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|
n/a |
|
$0.00 |
|
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$295.00 |
|
|
$0.00 |
|
|
$349.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$390.00 |
|
$40,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
|
|
none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
|
4.74% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.16% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$295.00 |
|
|
$0.00 |
|
|
$349.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$390.00 |
|
$40,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
none |
|
|
yes |
|
|
yes |
|
|
AMP Bank will only cover valuation fees up to $900. |
|
|
none |
|
|
Receive $2,000 cashback for refinances with a loan size $250k, or $5,000 for loans of $1 million, apply by 31 Aug 2022, settle by 30 Nov 2022. Owner and Investor loans, with a portion of the loan on a variable interest rate. T&Cs apply. |
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.
AMP offers excellent home loan rates. They offer quite flexible multi-account offset accounts. They are also gradually improving their customer experience (though their mobile app and feature set aren’t nearly as comprehensive, responsive and intuitive as those of the big banks or ING). They have recently added support for ApplePay (albeit a long time after many of their competitors). They have yet to add PayID or instant bank transfers, both of which are common among their competitors. Other than these minor inconveniences, overall worthwhile on balance. The reason for the low trust score was because the Royal Commission into Banking in Australia revealed some very poor practices in AMP at that time) including continuing to bill the dead.
Read full reviewAMP offers excellent home loan rates. They offer quite flexible multi-account offset accounts. They are also gradually improving their customer experience (though their mobile app and feature set aren’t nearly as comprehensive, responsive and intuitive as those of the big banks or ING). They have recently added support for ApplePay (albeit a long time after many of their competitors). They have yet to add PayID or instant bank transfers, both of which are common among their competitors. Other than these minor inconveniences, overall worthwhile on balance. The reason for the low trust score was because the Royal Commission into Banking in Australia revealed some very poor practices in AMP at that time) including continuing to bill the dead.
AMP can offer very competitive interest rates when compared to other banks. I would advise people to do the application process via a financial broker. On the cons side, their customer service is not great. As an example I had to wait over five days for a replacement card. Additionally, their website is not very user friendly when it comes to online banking.
Read full reviewAMP can offer very competitive interest rates when compared to other banks. I would advise people to do the application process via a financial broker. On the cons side, their customer service is not great. As an example I had to wait over five days for a replacement card. Additionally, their website is not very user friendly when it comes to online banking.
We went via a broker, but who can argue with a basic home loan with great interest rates and online access.
Read full reviewWe went via a broker, but who can argue with a basic home loan with great interest rates and online access.
Have performed as expected.
Read full reviewHave performed as expected.
Lack of physical address means that only online banking is possible - no face to face customer service.
Read full reviewLack of physical address means that only online banking is possible - no face to face customer service.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
$0.00
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.
