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Rates · Home loans

Variable owner occupier home loan (P&I) rates

One row per lender: its lowest variable owner occupier home loan (principal and interest) rate today, the LVR band that rate applies to, and the comparison rate it publishes. Loans restricted by occupation, employer or membership, government scheme rates such as the Home Guarantee, and the rate a fixed loan reverts to are left out. A rate marked net of discount is the lender's advertised rate less the discount it publishes for that band. Click a product for every rate and LVR band.

Lowest rate
5.93%
Southern Cross Credit Union
Median rate
6.24%
of each lender's best, 83 lenders
Lenders
83
publishing this rate
Variable owner occupier, P&IVariable owner occupier, interest onlyFixed 1 year, owner occupierFixed 2 years, owner occupierFixed 3 years, owner occupierFixed 4 years, owner occupierFixed 5 years, owner occupierVariable investor, P&IVariable investor, interest onlyFixed 1 year, investorFixed 2 years, investorFixed 3 years, investorFixed 4 years, investorFixed 5 years, investor

Lowest rate by lender (83)

LenderProductApplies atRateComparison rate
Southern Cross Credit UnionBroker Home LoanLVR up to 80%5.93%6.28%
Northern Inland Credit UnionValue Home Loan - Owner Occupiedany LVR5.94%5.98%
Broken Hill BankChoice Home Loanany LVR5.94%5.99%
First Option BankSimple Home LoanLVR up to 60%5.99%5.99%
Horizon BankFirst Home Buyer LoanLVR up to 70%5.99%6.00%
Maitland MutualBudget Home LoanLVR up to 80%6.04%6.04%
Greater BankDiscounted Great Rate Home Loan - Variable Owner OccupiedLVR up to 80%6.09%6.10%
Virgin MoneyVirgin Money Lite Home LoanLVR up to 70%6.09%6.11%
Border BankFirst Home LoanLVR up to 100%6.09%6.16%
Police BankFirst Home LoanLVR up to 100%6.09%6.16%
GMCUStandard Variable PlusLVR up to 60%6.09%6.25%
MOVE BankEveryday Home Loanany LVR6.09%
SWSbankStandard Variable Rate Home Loanany LVR6.10%6.10%
UnloanUnloan Home LoanLVR up to 80%6.14%6.05%
Coastline BankFirst Home Buyer LoanLVR up to 60%6.14%6.14%
Gateway BankLow Rate EssentialsLVR up to 60%6.14%6.16%
Regional Australia BankRegional Australia Bank Home Loan (Non Offset)LVR up to 60%6.14%6.17%
Police Credit UnionLow Rate Home Loan - First Home BuyerLVR up to 80%6.14%6.18%
Summerland BankBasic Variable Home LoanLVR up to 60%6.14%6.20%
TMCURefi Special Owner Occupiedany LVR6.14%6.24%
Bendigo BankBendigo Express Home Loanany LVR6.14%6.27%
CommFCUGo Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)LVR up to 80%6.15%6.20%
Unity BankAustralian Government 5% Deposit Schemeany LVR6.15%6.20%
The MacFirst Home Buyers Owner Occupied P&Iany LVR6.17%6.24%
Bank of ChinaDiscount Home Loan (With Principal and Interest Repayment)any LVR6.18%6.38%
IMB BankBudget Home LoanLVR up to 70%6.19%6.22%
Newcastle Permanent Building SocietyReal Deal Home Loan Principal and InterestLVR up to 80%6.19%6.23%
NRMA Home LoansNRMA Basic Home LoanLVR up to 60%6.19%6.23%
UpUp Home Loanany LVR6.20%6.20%
Tiimely HomeTiimely Basic Home LoanLVR up to 60%6.20%6.21%
BankVicHome Loan Special Variable Rateany LVR6.24%6.24%
Bank of usTopline Home LoanLVR up to 90%6.24%6.24%
Queensland Country BankHome Loan-PackageLVR up to 80%6.24%6.25%
People's Choice and HeritageBasic Variable Home LoanLVR up to 70%6.24% net of discount6.25%
Hume BankliteBlue Deposit Scheme O/Occ P+I (up to 98%LVR)LVR up to 100%6.24%6.25%
WestpacFlexi First : Our lowest online variable home loan rate (Owner Occupied)LVR up to 70%6.24%6.25%
QBankClassic Home LoanLVR up to 60%6.24%6.26%
ME Bank - ME GoME Bank EconoME Home LoanLVR up to 70%6.24%6.26%
BCU BankOmg Home Loan (P&I) Lvr<60LVR up to 60%6.24%6.27%
AMP MyAMPAMP Essential Home LoanLVR up to 60%6.24%6.27%
Bank of SydneyBOS Basic Home Loan Owner OccupiedLVR up to 60%6.24%6.28%
The CapricornianNo Frills Owner Occupied Home LoanLVR up to 80%6.24%6.29%
Bank FirstBasic Home Loan Variable LVR<60%LVR up to 60%6.24%6.29%
bankWAWBack to Basics Owner OccupiedLVR up to 80%6.24%6.29%
Central Murray BankHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%LVR up to 60%6.24%6.30%
Bank of QueenslandBOQ Essential Home LoanLVR up to 70%6.28%6.30%
Qantas Money Home LoansQANTAS Money Basic Home LoanLVR up to 60%6.28%6.35%
Macquarie BankMacquarie Basic Home LoanLVR up to 60%6.29%6.31%
INGMortgage SimplifierLVR up to 60%6.29%6.32%
MyState BankBasic Variable LoanLVR up to 60%6.29%6.32%
Auswide BankBasic Home LoanLVR up to 70%6.29%6.32%
Orange Credit UnionBasic Variable Rate Home LoanLVR up to 60%6.29%6.34%
Easy StreetStreet Smart Variable Home Loan - Owner-occupied (Principal and Interest)any LVR6.29%6.34%
Great Southern BankBasic Variable OO P&ILVR up to 70%6.29% net of discount6.35%
NABNAB Tailored Home LoanLVR up to 70%6.29%6.42%
Credit Union SAXL Home Loan PackageLVR up to 60%6.29%6.65%
BNK BankGold Prime Residential Basic Home LoansLVR up to 70%6.30%6.33%
Connective SelectConnective Select Basic Home LoanLVR up to 60%6.34%6.36%
Aussie ElevateAussie Elevate Basic Home LoanLVR up to 60%6.34%6.36%
CBADigi Home Loan (Owner Occupied)LVR up to 60%6.34%6.36%
UBankNeat - OO Variable P&ILVR up to 60%6.34%6.36%
AFG Home Loans AlphaAFG Alpha Basic Home LoanLVR up to 60%6.34%6.36%
Beyond Bank AustraliaPurple Basic Vbl Home LoanLVR up to 60%6.34%6.37%
Australian Military BankRateSaver Home LoanLVR up to 70%6.34%6.37%
Central West Credit UnionPremium Smart Home Loanany LVR6.34%6.40%
Bank AustraliaBasic Home LoanLVR up to 60%6.38%6.38%
Qudos BankNo Frills Home LoanLVR up to 70%6.38%6.38%
P&N BankBasic Variable HL LVR <60LVR up to 60%6.38%6.41%
RACQ BankFair Dinkum Home LoanLVR up to 60%6.39%6.39%
Arab Bank AustraliaBasics Home Loan Special OfferLVR up to 60%6.40%6.53%
BankwestBankwest Simple Home LoanLVR up to 60%6.44%6.47%
Cairns BankClassic Home Loan Variable <60 LVR PILVR up to 60%6.49%5.95%
Defence BankPremier Low RateLVR up to 70%6.49%6.49%
ANZ PlusANZ Plus Home Loan Variableany LVR6.50%6.50%
BankSABasic Variable Home LoanLVR up to 70%6.54%6.55%
Bank of MelbourneBasic Variable Home LoanLVR up to 70%6.54%6.55%
St.George BankBasic Variable Home LoanLVR up to 70%6.54%6.55%
DnisterSimple Home Loanany LVR6.54%6.93%
Laboratories Credit UnionFirst Home Buyer Loan Variableany LVR6.60%6.47%
ANZANZ Simplicity PlusLVR up to 60%6.64%6.64%
Darling Downs BankEssential Home Loanany LVR6.64%6.79%
Liberty FinancialLow rate home loanany LVR6.74%6.82%
Judo BankHome Loanany LVR8.90%8.92%

The full LVR grid, every lender by LVR band. Work out repayments at these rates.

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