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Horizon Bank rates

Horizon Bank publishes 50 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.

Horizon Bank's lowest home loan rate is 6.14% on 1 Year Fixed Home Loan, 0.60 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 3.25% on SMSF Saver, 0.75 points below the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Horizon Bank repriced 37 products in the last 30 days, most recently lifting Super Savers on 2 November 2026, from 2.25% to 2.50%.

Home loans

ProductAdvertised rateComparison rate
First Home Buyer Loan restricted5.99%6.00%
1 Year Fixed Home Loan6.14%6.78%
Home Sweet Home Loan6.14%6.85%
First Home Buyer Loan - Interest Only restricted6.19%6.20%
First Home Buyer Loan - Investment Interest Only restricted6.19%6.19%
2 Year Fixed Home Loan6.24%6.74%
First Home Buyer Loan - Investment restricted6.24%6.25%
1 Year Fixed Home Loan - Interest Only6.34%6.98%
3 Year Fixed Home Loan6.34%6.73%
1 Year Fixed Residential Investment6.39%7.29%
Home Sweet Home Loan - Investment6.39%7.10%
2 Year Fixed Home Loan - Interest Only6.44%6.94%
2 Year Fixed Residential Investment6.49%6.99%
3 Year Fixed Home Loan - Interest Only6.54%6.93%
1 Year Fixed Residential Investment - Interest Only6.59%7.23%
3 Year Fixed Residential Investment6.59%6.98%
Home Sweet Home Loan - Investment Interest Only6.59%7.29%
5 Year Fixed Home Loan6.64%6.80%
2 Year Fixed Residential Investment - Interest Only6.69%7.19%
3 Year Fixed Residential Investment - Interest Only6.79%7.18%
5 Year Fixed Residential Investment6.89%7.05%
Home Sweet Home Loan - Interest Only6.94%7.17%
5 Year Fixed Residential Investment - Interest Only7.09%7.25%
Handyloan8.39%

Savings accounts

ProductAdvertised rate
SMSF Saver3.25%
Super Savers3.00%
Youth Reward Saver3.00%
Reward Saver0.50%
Business Savings0.01%
Call Savings0.01%
Call Savings0.01%
Insurance Savings0.01%
Redisavings0.01%

Term deposits

ProductAdvertised rate
Term Deposit5.10%

Transaction accounts

ProductAdvertised rate
Teen Account4.25%
Cash Management3.50%
Horizon Direct3.25%
Advantage 552.75%
Christmas Club2.25%

Credit cards

ProductAdvertised rate
Visa Credit Card12.95%

Personal loans

ProductAdvertised rateComparison rate
Green Car - New6.49%6.71%
Personal Mortgage Sec.6.79%9.07%
Personal Saving Freeze6.79%7.00%
Green Car Loan - Used7.74%7.96%
Fixed Personal Loan8.24%8.46%
Green Personal Loan8.24%8.92%
New/used Car To 12mths8.24%8.46%
Budget Personal Loan9.99%10.13%

Business loans

ProductAdvertised rate
Business Interest Only Variable7.89%

Overdrafts

ProductAdvertised rate
Budget Overdraft11.00%

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