Calculate your home loan repayment


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Home loan comparison

Lender

VariableGo to site
  • Available for purchase or refinance, min 10% deposit needed to qualify.
  • No application, ongoing monthly or annual fees.
  • Quick and easy online application process.
Disclosure

loans.com.au – Variable Home Loan P&I <90%

  • Available for purchase or refinance, min 10% deposit needed to qualify.
  • No application, ongoing monthly or annual fees.
  • Quick and easy online application process.
Disclosure
VariableGo to site
Built and funded by CommBank
  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Disclosure
Built and funded by CommBank

Unloan – Variable Rate Home Loan LVR < 80%

  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Disclosure
VariableGo to site
100% offset
  • Easy application. Fast approval. 100% offset.
  • Unlimited additional repayments free of charge.
  • Redraw available - Access additional payments.
Disclosure
100% offset

Ubank (part of NAB) – Flex variable home loan - 100% offset

  • Easy application. Fast approval. 100% offset.
  • Unlimited additional repayments free of charge.
  • Redraw available - Access additional payments.
Disclosure
VariableGo to site
  • No application, ongoing monthly or annual fees.
  • Available for refinance or purchases. Quick and easy online application process.
  • Dedicated loan specialist throughout the loan application.
  • Discounted interest rate for 5 years for homes with an eligible solar system
Disclosure

loans.com.au – Solar Home Loan P&I <90%

  • No application, ongoing monthly or annual fees.
  • Available for refinance or purchases. Quick and easy online application process.
  • Dedicated loan specialist throughout the loan application.
  • Discounted interest rate for 5 years for homes with an eligible solar system
Disclosure
VariableGo to site
  • Check your eligibility in as little as one minute
  • Apply online in as little as 15 minutes
  • Dedicated home loan experts are available to help
Disclosure

Macquarie Bank – Offset Home Loan (Owner Occupier, Principal and Interest, max LVR 60%)

  • Check your eligibility in as little as one minute
  • Apply online in as little as 15 minutes
  • Dedicated home loan experts are available to help
Disclosure
VariableGo to site
Disclosure

Ubank (part of NAB) – Neat home loan - max. 80% LVR (Owner occupied, Principal and interest)

    Disclosure
    VariableGo to site
    Disclosure

    Macquarie Bank – Basic Home Loan (Owner Occupier, Principal and Interest, max LVR 80%)

      Disclosure
      VariableMore details

      Greater Bank – Ultimate Discount Home Loan Package

        VariableMore details

        AMP – Essential Home Loan (Owner Occupied, Principal and Interest, $750,000+, <= LVR 90%)

          VariableMore details
          Disclosure

          ANZ – Simplicity PLUS Home Loan (Principal and Interest) (LVR < 70%) (New Customer) Special offer

            Disclosure
            VariableMore details

            BCU Bank – OMG! Home Loan - LVR of >80% and <=95%

              VariableMore details

              Bank of Queensland – Owner Occupied Economy Discount Rate (max 90% LVR)

                VariableN/AMore details

                Regional Australia Bank – Home Loan without Offset - OO,PI LVR 90% or less

                  VariableMore details

                  IMB Bank – Budget Home Loan (Principal and Interest) (LVR 90%-95%)

                    VariableN/AMore details
                    Disclosure

                    Commonwealth Bank – Extra Home Loan (Principal and Interest) (LVR 60%-70%)

                      Disclosure
                      VariableN/AN/AMore details
                      Disclosure

                      Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR 70-80%)

                        Disclosure
                        VariableMore details
                        Disclosure

                        NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60% or less

                          Disclosure
                          VariableGo to site
                          • Available for purchase or refinance, min 10% deposit needed to qualify.
                          • No application, ongoing monthly or annual fees.
                          • Quick and easy online application process.
                          Disclosure

                          loans.com.au – Variable Home Loan with Offset P&I <90%

                          • Available for purchase or refinance, min 10% deposit needed to qualify.
                          • No application, ongoing monthly or annual fees.
                          • Quick and easy online application process.
                          Disclosure
                          VariableN/AMore details

                          P&N Bank – Basic Variable Home Loan >90% and =<95%

                            VariableMore details

                            Great Southern Bank – Basic Variable - Owner Occupier Principal & Interest (LVR is above 80% and less than or equal to 90%)

                              Important Information and Comparison Rate Warning

                              Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of June 17, 2025. View disclaimer.

                              Important Information and Comparison Rate Warning

                              Calculator Assumptions: Mortgage Calculator

                              The figures provided should be used as an estimate only, should not be relied on as true indication of your home loan repayments, or a quote or indication of pre-qualification for any home loan product. The figures are based upon the information you put into the calculator. We have made a number of assumptions when producing the calculations including:

                              • Loan term and loan amount: We assume the loan term and loan amount are what you enter into the calculator.
                              • Interest rates: We assume that the rate you enter, is the rate that will apply to your loan for the full loan term – even if you choose:
                                • a variable rate; or
                                • an interest only rate which, in practice, will only apply for a limited period after which a different rate will apply.
                              • Interest and repayments: The displayed total interest payable is the interest for the loan term, calculated on the entered interest rate. We make the following assumptions about repayments:
                                • repayments are made monthly.
                                • your annual interest charge is divided equally over 12 monthly payments (in practice, interest is calculated daily and charged monthly which can lead to your interest charge varying between months).
                                • interest is charged to the loan account at the same frequency and on the same day as the repayments are made (this may not be the case in practice).
                                • only your initial repayment amount is calculated. We assume that this repayment amount is payable for the loan term. In practice, repayment amounts can change for a variety of reasons.
                                • weekly and fortnightly loan repayment amounts are assumed to be a quarter and a half of the monthly repayment amount respectively.

                              if added, your extra repayment is taken to be made at the same time as your monthly repayment.

                              Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. Rates correct as of 5 June 2025.

                              ^The addition of offset sub-account means your comparison rate will change.

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