{ "purpose": "owner_occupied", "repayment": "principal_and_interest", "lvr": 60, "loan": 600000, "kind": "variable", "generated_at": "2026-11-13T01:26:27Z", "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages", "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.", "comparison_rate_note": "The comparison rate is the bank's own figure. Australian law requires it to be calculated on a $150,000 secured loan over 25 years, including most fees, so it understates the effect of fees on a larger loan.", "comparison_rate_warning": "WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.", "comparison_rate_at_loan_note": "comparison_rate_at_loan_pct is our calculation, not the bank's: the National Credit Code method (monthly principal and interest repayments over 25 years at the rate; upfront_fees paid at the start, annual_fee spread monthly, exit_fees paid at the end; the monthly rate solving present value of payments = amount borrowed, times 12, to two decimals) at this file's loan amount. A fixed rate holds for its fixed period and then revert_rate applies: the product's own variable rate where the feed ties one to it (revert_rate_basis linked), else our inference (revert_rate_basis inferred), the bank's variable rate chosen because it reproduces the bank's own comparison rate. Interest-only rows are calculated as principal and interest over 25 years, since the regulation defines no interest-only treatment. Penalty fees, break costs, government charges and lenders mortgage insurance are not in it. It is null when comparison_check failed (ours at $150,000 more than 0.05 points from the bank's own comparison_rate_pct, so the fee inputs are evidently incomplete), when the bank publishes no comparison rate, or when a fixed rate's revert rate is not known ('revert rate not published', 'revert rate ambiguous' or 'no variable rate reproduces the bank's figure'); comparison_check.reason says which.", "before_answering": "https://deepalmanac.com/au/finance/home-loans/v1/questions.json lists what to ask the reader first (purpose, repayment type, LVR, loan amount, variable or fixed term), what to do when their numbers fall between buckets, and what is most often misread here: stale records, broker-only rates, banks open only to a named group, the comparison rate and package fees.", "entries": [ { "rank": 1, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUL30V_OO", "product_name": "Value Home Loan - Owner Occupied", "product_label": "Value Home Loan - Owner Occupied", "product_url": "https://www.nicu.com.au/home-loans/value-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0598, "comparison_rate_pct": 5.98, "comparison_rate_at_loan_pct": 5.94, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 500000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 5.94, "bank": 5.98 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "new loans only", "Minimum loan $500,000" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL30V_OO", "source_snapshot": "/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL30V_OO.json", "bank_last_updated": "2026-06-03T10:22:18.000+10:00" }, { "rank": 2, "brand": "Broken Hill Bank", "brand_label": "Broken Hill Bank", "brand_slug": "broken-hill-bank", "product_id": "54", "product_name": "Choice Home Loan", "product_label": "Choice Home Loan", "product_url": "https://brokenhill.bank/choice-home-loan", "terms_url": "https://brokenhill.bank/choice-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0599, "comparison_rate_pct": 5.99, "comparison_rate_at_loan_pct": 5.96, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1005.0, "exit_fees": 774.02, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.02, "bank": 5.99 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-10-16", "Australian citizens or permanent residents only", "new loans: purchases or refinances from another lender; existing customers only by adding $50,000", "minimum property value $300,000; not for construction or bridging loans" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-10-16", "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/54", "source_snapshot": "/au/finance/home-loans/v1/source/broken-hill-bank/54.json", "bank_last_updated": "2026-09-14T08:00:17.2969966Z" }, { "rank": 3, "brand": "MoveBank", "brand_label": "MoveBank", "brand_slug": "movebank", "product_id": "3b68aefd-3bd6-4674-940a-137fb97563bb", "product_name": "Everyday Home Loan", "product_label": "Everyday Home Loan", "product_url": "https://move.bank/loans/home-loans", "terms_url": "https://move.bank/about-us/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0609, "rate_pct": 6.09, "comparison_rate": 0.0615, "comparison_rate_pct": 6.15, "comparison_rate_at_loan_pct": 6.1, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 3000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 700.0, "exit_fees": 450.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.15, "bank": 6.15 }, "restrictions": [], "eligibility": null, "conditions": [ "Must be a MoveBank member to apply", "Advertised rate needs $1,500 a month credited to a MoveBank transaction account", "$700 establishment fee, including one standard valuation up to $205", "$450 discharge fee", "$100,000 to $3,000,000", "Up to 95% with LMI (data shows 90%)" ], "record_stale": false, "record_correction": null, "source_url": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/3b68aefd-3bd6-4674-940a-137fb97563bb", "source_snapshot": "/au/finance/home-loans/v1/source/movebank/3b68aefd-3bd6-4674-940a-137fb97563bb.json", "bank_last_updated": "2026-11-12T14:20:14.36022Z" }, { "rank": 4, "brand": "Unloan", "brand_label": "Unloan", "brand_slug": "unloan", "product_id": "8250def8-24f4-411c-80a5-e71f54cf5823", "product_name": "Unloan Home Loan", "product_label": "Home Loan", "product_url": "https://www.unloan.com.au/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0605, "comparison_rate_pct": 6.05, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": null, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.14, "bank": 6.05, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates shown are for new loans only", "Borrow up to 90% of the property value without LMI (higher rate above 80%)" ], "record_stale": true, "record_correction": null, "source_url": "https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823", "source_snapshot": "/au/finance/home-loans/v1/source/unloan/8250def8-24f4-411c-80a5-e71f54cf5823.json", "bank_last_updated": "2026-10-15T20:40:21.758226Z" }, { "rank": 5, "brand": "Gateway Bank", "brand_label": "Gateway Bank", "brand_slug": "gateway-bank", "product_id": "99", "product_name": "Low Rate Essentials", "product_label": "Low Rate Essentials", "product_url": "https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/", "terms_url": "https://www.gatewaybank.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0616, "comparison_rate_pct": 6.16, "comparison_rate_at_loan_pct": 6.14, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.14, "bank": 6.16 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates quoted are for new lending only", "$7.50 for a redraw not done through Online Banking; minimum redraw $500" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99", "source_snapshot": "/au/finance/home-loans/v1/source/gateway-bank/99.json", "bank_last_updated": "2026-10-13T02:00:31.5908395Z" }, { "rank": 6, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "14b17326-4145-4e2d-b808-5bb877b3267e", "product_name": "Regional Australia Bank Home Loan (Non Offset)", "product_label": "Home Loan (Non Offset)", "product_url": "https://www.regionalaustraliabank.com.au/home-loans/regional-australia-bank-home-loan", "terms_url": "https://www.regionalaustraliabank.com.au/getContentAsset/d767dfb3-2c2c-42ab-a933-e9a682c20c19/3beffb48-3dfa-48f3-8905-aded8557907a/TMD_HL009-Home-Loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0617, "comparison_rate_pct": 6.17, "comparison_rate_at_loan_pct": 6.15, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 500.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 225.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.16, "bank": 6.17 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/14b17326-4145-4e2d-b808-5bb877b3267e", "source_snapshot": "/au/finance/home-loans/v1/source/regional-australia-bank/14b17326-4145-4e2d-b808-5bb877b3267e.json", "bank_last_updated": "2026-10-22T23:04:31.37502Z" }, { "rank": 7, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "78", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://summerland.com.au/my-banking/home-loans/basic-home-loan", "terms_url": "https://www.summerland.com.au/loans-fees-charges", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.062, "comparison_rate_pct": 6.2, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 30000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 700, "exit_fees": 395, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.28, "bank": 6.2, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "$225 settlement fee when refinancing in from another lender (waived for Premium)", "Establishment and monthly fees free only under the Special Offer (new loans of $150,000+, P&I, within LVR limits); otherwise $300 establishment and $8 a month" ], "record_stale": false, "record_correction": "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/78", "source_snapshot": "/au/finance/home-loans/v1/source/summerland-bank/78.json", "bank_last_updated": "2026-11-13T00:00:40.5826068Z" }, { "rank": 8, "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "product_id": "L79_REFI_SPECIAL_OO", "product_name": "REFI SPECIAL OWNER OCCUPIED", "product_label": "Refi Special Owner Occupied", "product_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "terms_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 10000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 395, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.17, "bank": 6.24, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "refinancing only", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_REFI_SPECIAL_OO", "source_snapshot": "/au/finance/home-loans/v1/source/tmcu/L79_REFI_SPECIAL_OO.json", "bank_last_updated": "2026-11-12T09:05:24.000+11:00" }, { "rank": 9, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "COMPLETE_PACKAGE_HOME_LOAN", "product_name": "COMPLETE PACKAGE HOME LOAN", "product_label": "Complete Package Home Loan", "product_url": "https://firstoptionbank.com.au/loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.23, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 375.0, "upfront_fees": null, "exit_fees": 175.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.49 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "No set-up fee for owner-occupied loans, but third-party legal and valuation costs above $1,000 are passed on (investment loans: $400 admin fee plus costs)" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/first-option-bank/COMPLETE_PACKAGE_HOME_LOAN.json", "bank_last_updated": "2026-11-12T10:54:39.000+11:00" }, { "rank": 10, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "L2_HomeLoan", "product_name": "Home Sweet Home Loan", "product_label": "Home Sweet Home Loan", "product_url": "https://horizonbank.com.au/loans/owner-occupied-loan/home-sweet-home-loan/", "terms_url": "https://horizonbank.com.au/about-us/corporate-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0685, "comparison_rate_pct": 6.85, "comparison_rate_at_loan_pct": null, "lvr_min": 0.01, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 150, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.3, "bank": 6.85, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "Advertised rate includes a 0.60% p.a. honeymoon discount for the first 2 years", "Special discount rate for new business only" ], "record_stale": false, "record_correction": "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan", "source_snapshot": "/au/finance/home-loans/v1/source/horizon-bank/L2_HomeLoan.json", "bank_last_updated": "2026-11-04T10:58:53.000+11:00" }, { "rank": 11, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "10391363", "product_name": "Discount Home Loan (With Principal and Interest Repayment)", "product_label": "Discount Home Loan (With Principal and Interest Repayment)", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "correction", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.18, "bank": 6.38, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "new borrowers only; not for switching an existing Bank of China loan", "applications by 31 December 2026, settled before 31 March 2027" ], "record_stale": true, "record_correction": "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-china/10391363.json", "bank_last_updated": "2026-10-08T06:00:00.000+11:00" }, { "rank": 12, "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "PREMIUM_HOME_LOAN", "product_name": "PREMIUM HOME LOAN", "product_label": "Premium Home Loan", "product_url": "https://www.sccu.com.au/home-loans/", "terms_url": "https://www.sccu.com.au/sccu-loan-contract-general-terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.28, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 250000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 430.0, "exit_fees": 150.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.53 }, "restrictions": [], "eligibility": null, "conditions": [ "Advertised rates for new loans only", "Fixed-rate break costs waived on extra repayments up to $10,000 a year", "LMI waived up to 90% LVR for applicants on SCCU's professionals list" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/southern-cross-credit-union/PREMIUM_HOME_LOAN.json", "bank_last_updated": "2026-11-13T11:05:45.000+11:00" }, { "rank": 13, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "TopLineOO", "product_name": "TOPLINE HOME LOAN", "product_label": "Topline Home Loan", "product_url": "https://bankofus.com.au/home-loans", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.01, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 675.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.24 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/TopLineOO", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-us/TopLineOO.json", "bank_last_updated": "2026-10-15T09:40:53.000+11:00" }, { "rank": 14, "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "product_id": "LBSUB60OOPI_V1", "product_name": "liteBlue O/Occ P+I (up to 60%LVR)", "product_label": "liteBlue O/Occ P+I (Up to 60%LVR)", "product_url": "https://www.humebank.com.au/personal/home-loans/liteblue-variable-rate-home-loan", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.25, "bank": 6.25 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$199 application fee" ], "record_stale": true, "record_correction": null, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/LBSUB60OOPI_V1", "source_snapshot": "/au/finance/home-loans/v1/source/hume-bank/LBSUB60OOPI_V1.json", "bank_last_updated": "2026-10-14T09:01:23.000+11:00" }, { "rank": 15, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "product_id": "15", "product_name": "Home Loan-Package", "product_label": "Home Loan-Package", "product_url": "https://www.queenslandcountry.bank/Banking/home-loans/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.59, "bank": 6.25, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "Package needs total borrowings of at least $100,000" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15", "source_snapshot": "/au/finance/home-loans/v1/source/queensland-country-bank/15.json", "bank_last_updated": "2026-11-13T00:00:23.8091263Z" }, { "rank": 16, "brand": "Bank of Sydney", "brand_label": "Bank of Sydney", "brand_slug": "bank-of-sydney", "product_id": "bosbasic_oo", "product_name": "BOS Basic Home Loan Owner Occupied", "product_label": "BOS Basic Home Loan Owner Occupied", "product_url": "https://www.banksyd.com.au/bos-basic-home-loan", "terms_url": "https://www.banksyd.com.au/important-product-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0628, "comparison_rate_pct": 6.28, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.26, "bank": 6.28 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "advertised rates for new loans up to 95% LVR only; not internal refinances, switches, bridging or construction", "legal fee $250, plus $100 per additional security", "valuation covered up to $420; any amount above is extra" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/bosbasic_oo", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-sydney/bosbasic_oo.json", "bank_last_updated": "2026-10-16T04:16:49Z" }, { "rank": 17, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "product_name": "Basic Home Loan Variable LVR<60%", "product_label": "Basic Home Loan Variable LVR<60%", "product_url": "https://www.bankfirst.com.au/loans/home-loans/basic-home-loan-owner-occupied", "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/0EZVG/original/tc_part_a", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Advertised rates apply to new lending only" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "source_snapshot": "/au/finance/home-loans/v1/source/bank-first/0e9a7d6f-5887-460e-89ee-b09cbe2e8526.json", "bank_last_updated": "2026-10-15T20:31:54.243317Z" }, { "rank": 18, "brand": "bankWAW", "brand_label": "BankWAW", "brand_slug": "bankwaw", "product_id": "L6_OOCC", "product_name": "Back to Basics Owner Occupied", "product_label": "Back to Basics Owner Occupied", "product_url": "https://www.bankwaw.com.au/Loans", "terms_url": "https://www.bankwaw.com.au/Portals/0/Support/Disclosure-Documents/10090%20-%20BankWAW%20-%20Fees%20and%20Charges%20Guide%20(Loan%20Products)%201.11.24.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 1.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 45000.0, "loan_max": 3500000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-10, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "discount for 2 years from settlement, then the Back to Basics standard rate", "introductory rate not for switches from other BankWAW home loans", "introductory rate not for company or trust borrowers", "refinances from another lender: BankWAW establishment, valuation and search fees waived up to $2,200", "refinance fee waiver for applications 1 September 2026 to 31 January 2027 (or until fully subscribed)" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC", "source_snapshot": "/au/finance/home-loans/v1/source/bankwaw/L6_OOCC.json", "bank_last_updated": "2026-10-10T19:39:59.000+11:00" }, { "rank": 19, "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "product_id": "8f169e0c-9488-40fa-97fe-d614ec6bf293", "product_name": "No Frills Owner Occupied Home Loan", "product_label": "No Frills Owner Occupied Home Loan", "product_url": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/", "terms_url": "https://www.capricornian.com.au/documents/conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Australian citizens or permanent residents only", "Minimum loan $150,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293", "source_snapshot": "/au/finance/home-loans/v1/source/the-capricornian/8f169e0c-9488-40fa-97fe-d614ec6bf293.json", "bank_last_updated": "2026-10-08T20:00:00.570333Z" }, { "rank": 20, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "L23_60LVR_OCC_PRIN", "product_name": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_label": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_url": "https://www.unity.bank/home-loans/buy-or-refinance/momentum-home-loan/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "product", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.24, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "special rate for new refinances only; not for refinancing existing Unity Bank loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60LVR_OCC_PRIN", "source_snapshot": "/au/finance/home-loans/v1/source/unity-bank/L23_60LVR_OCC_PRIN.json", "bank_last_updated": "2026-10-06T15:32:45.000+11:00" }, { "rank": 21, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "LN001MBLBAS001", "product_name": "Macquarie Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.macquarie.com.au/home-loans/basic-home-loan.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/home-loans/MBL-Home-Loans-Terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0631, "comparison_rate_pct": 6.31, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.32, "bank": 6.31 }, "restrictions": [], "eligibility": null, "conditions": [ "New loans from $150,000 up to $10,000,000", "Extra repayments on a fixed rate account limited to $10,000 a year; more may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001", "source_snapshot": "/au/finance/home-loans/v1/source/macquarie-bank-limited/LN001MBLBAS001.json", "bank_last_updated": "2026-11-05T00:01:00.001Z" }, { "rank": 22, "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "product_id": "L22-ESSMVR-OOPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0634, "comparison_rate_pct": 6.34, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.33, "bank": 6.34 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOPI-RD.json", "bank_last_updated": "2026-10-21T15:26:59.000+11:00" }, { "rank": 23, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "product_name": "NAB Tailored Home Loan", "product_label": "Tailored Home Loan", "product_url": "https://www.nab.com.au/personal/home-loans", "terms_url": "https://www.nab.com.au/personal/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0642, "comparison_rate_pct": 6.42, "comparison_rate_at_loan_pct": 6.32, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 144.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.42, "bank": 6.42 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Up to 10 offset accounts", "Extra repayments while fixed limited to $20,000 without fees", "Advertised rates are for new home loans" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "source_snapshot": "/au/finance/home-loans/v1/source/national-australia-bank/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a.json", "bank_last_updated": "2026-10-09T13:59:59Z" }, { "rank": 24, "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "product_id": "3285", "product_name": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_label": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_url": "https://www.greater.com.au/personal/home-loans/great-rate-home-loan", "terms_url": "https://www.greater.com.au/termsandconditions", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 680.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285", "source_snapshot": "/au/finance/home-loans/v1/source/greater-bank/3285.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 25, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "5bc12280-2272-ee11-8179-6045bd3d38f0", "product_name": "Virgin Money Lite Home Loan", "product_label": "Lite Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "comparison_rate_at_loan_pct": 6.34, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.36, "bank": 6.36 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/5bc12280-2272-ee11-8179-6045bd3d38f0.json", "bank_last_updated": "2026-11-05T22:04:49Z" }, { "rank": 26, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "fd4ed454-477c-4723-bda8-8c03e4331393", "product_name": "RateSaver Home Loan", "product_label": "RateSaver Home Loan", "product_url": "https://www.australianmilitarybank.com.au/home-loans/ratesaver-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 120.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.37, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/fd4ed454-477c-4723-bda8-8c03e4331393", "source_snapshot": "/au/finance/home-loans/v1/source/australian-military-bank/fd4ed454-477c-4723-bda8-8c03e4331393.json", "bank_last_updated": "2026-10-14T13:00:00.385045Z" }, { "rank": 27, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "37", "product_name": "Purple Basic Vbl Home Loan", "product_label": "Purple Basic Vbl Home Loan", "product_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "terms_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 445.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$445 application fee covers valuation up to $300; valuation above $300 extra" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/beyond-bank-australia/37.json", "bank_last_updated": "2026-10-12T10:00:30.5134382Z" }, { "rank": 28, "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "product_id": "Premium_Smart_Home_Loan", "product_name": "Premium Smart Home Loan", "product_label": "Premium Smart Home Loan", "product_url": "https://www.cwcu.com.au/lending/home-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 497.0, "exit_fees": 536.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.4 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30" ], "record_stale": true, "record_correction": "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30", "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/central-west-cul/Premium_Smart_Home_Loan.json", "bank_last_updated": "2026-10-29T09:15:50.000+11:00" }, { "rank": 29, "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "product_id": "L2_HL_OwnOccupied", "product_name": "Standard Variable Rate Home Loan", "product_label": "Standard Variable Rate Home Loan", "product_url": "https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/", "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0635, "rate_pct": 6.35, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.35, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Valuation and discharge fees charged at cost" ], "record_stale": false, "record_correction": null, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L2_HL_OwnOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/swsbank/L2_HL_OwnOccupied.json", "bank_last_updated": "2026-11-11T09:45:45.000+11:00" }, { "rank": 30, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "d6a80145-dc64-42da-a8c1-7c1e494fd361", "product_name": "Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bankaust.com.au/banking/home-loans/basic-home-loan", "terms_url": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0638, "rate_pct": 6.38, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": 6.38, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 275.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.38 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum new borrowing $10,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/d6a80145-dc64-42da-a8c1-7c1e494fd361", "source_snapshot": "/au/finance/home-loans/v1/source/bank-australia/d6a80145-dc64-42da-a8c1-7c1e494fd361.json", "bank_last_updated": "2026-10-27T22:30:46.160Z" }, { "rank": 31, "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "product_id": "585", "product_name": "Fair Dinkum Home Loan", "product_label": "Fair Dinkum Home Loan", "product_url": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan", "terms_url": "https://www.racq.com.au/home/home-loans/basic-variable-rate-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "comparison_rate_at_loan_pct": 6.39, "lvr_min": 0.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": false, "redraw": false, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.39 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "80% maximum LVR, 95% with LMI" ], "record_stale": true, "record_correction": null, "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/585", "source_snapshot": "/au/finance/home-loans/v1/source/racq-bank/585.json", "bank_last_updated": "2026-10-12T22:13:30Z" }, { "rank": 32, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "product_name": "Bendigo Express Home Loan", "product_label": "Express Home Loan", "product_url": "https://www.bendigobank.com.au/personal/home-loans/express-home-loan/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0654, "comparison_rate_pct": 6.54, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 1500000.0, "offset": true, "redraw": true, "annual_fee": 120.0, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.52, "bank": 6.54 }, "restrictions": [], "eligibility": null, "conditions": [ "Loan $10,000 to $3 million", "Valuation fees at cost per property: $134.20 electronic, $220 full (under $1m), $440 full (over $1m)", "Rates are for new Express home loans and may differ for existing customers; applied for online", "Australian citizens or permanent residents living in Australia" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "source_snapshot": "/au/finance/home-loans/v1/source/bendigo-bank/01fec5c4-a888-4330-a8cc-4a0a0ac931b5.json", "bank_last_updated": "2026-11-10T13:31:23.996Z" }, { "rank": 33, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "37", "product_name": "Classic Home Loan", "product_label": "Classic Home Loan", "product_url": "https://www.coastline.com.au/personal/home-loans", "terms_url": "https://cdn.sanity.io/files/djf521sf/production/f15ad20494f97551eafb39d8a0424c61ddc1201b.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 96.0, "upfront_fees": 595.0, "exit_fees": 630.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Break costs when switching from, or repaying early during, a fixed rate period" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/coastline-bank/37.json", "bank_last_updated": "2026-10-15T04:00:14.7982475Z" }, { "rank": 34, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "GB-OOPI-LVR80", "product_name": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_label": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_url": "https://www.communityfirst.com.au/products/go-basic-home-loan", "terms_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.41, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 696.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee" ], "record_stale": false, "record_correction": null, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80", "source_snapshot": "/au/finance/home-loans/v1/source/commfcu/GB-OOPI-LVR80.json", "bank_last_updated": "2026-11-10T14:08:48.000+11:00" }, { "rank": 35, "brand": "Arab Bank Australia Limited", "brand_label": "Arab Bank Australia", "brand_slug": "arab-bank-australia-limited", "product_id": "BASICS02", "product_name": "Basics Home Loan Special Offer", "product_label": "Basics Home Loan Special Offer", "product_url": "https://www.arabbank.com.au/personal/home-loans/dont-just-dream", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.43, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.53 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "New customers, or existing customers buying a new owner-occupied property, applying direct (not through a broker or referrer)", "Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BASICS02", "source_snapshot": "/au/finance/home-loans/v1/source/arab-bank-australia-limited/BASICS02.json", "bank_last_updated": "2026-10-12T23:03:31.787099Z" }, { "rank": 36, "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "product_id": "RM-1-1", "product_name": "Budget Home Loan", "product_label": "Budget Home Loan", "product_url": "https://www.imb.com.au/home-loans/living-in/budget-home-loan", "terms_url": "https://www.imb.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0647, "comparison_rate_pct": 6.47, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 1.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 449.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.47 }, "restrictions": [], "eligibility": null, "conditions": [ "Cashback $2,000-$4,000 on new purchase or refinance loans of $250,000+ (not IMB refinances); half repayable if discharged within 12 months", "Discounted variable rate for new applications only; not for refinancing existing IMB loans" ], "record_stale": false, "record_correction": null, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-1", "source_snapshot": "/au/finance/home-loans/v1/source/imb-bank/RM-1-1.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 37, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "HL_realdealPI", "product_name": "Real Deal Home Loan Principal and Interest", "product_label": "Real Deal Home Loan Principal and Interest", "product_url": "https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan", "terms_url": "https://www.newcastlepermanent.com.au/siteassets/documents/terms-conditions-fees-and-charges/mortgage-and-personal-loans/FactSheet_MortgageLoans.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)" ], "record_stale": false, "record_correction": "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)", "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI", "source_snapshot": "/au/finance/home-loans/v1/source/newcastle-permanent/HL_realdealPI.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 38, "brand": "NRMA Home Loans", "brand_label": "NRMA Home Loans", "brand_slug": "nrma-home-loans", "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "product_name": "NRMA Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.nrma.com.au/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 495.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments on fixed loans limited to $20,000 a year without penalty" ], "record_stale": false, "record_correction": null, "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8", "source_snapshot": "/au/finance/home-loans/v1/source/nrma-home-loans/cd514842-f20f-4c6b-b367-de9c3c83f2f8.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 39, "brand": "Up", "brand_label": "Up", "brand_slug": "up", "product_id": "up-home", "product_name": "Up Home Loan", "product_label": "Home Loan", "product_url": "https://up.com.au/home-loans", "terms_url": "https://up.com.au/product-terms/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 7500000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "Up to 50 Savers act as free 100% offset accounts", "Extra repayments on fixed rate loans limited to $30,000", "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on", "For Up customers; applied for and managed in the Up app" ], "record_stale": false, "record_correction": null, "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home", "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json", "bank_last_updated": "2026-11-12T00:00:13+11:00" }, { "rank": 40, "brand": "Tiimely Home", "brand_label": "Tiimely Home", "brand_slug": "tiimely-home", "product_id": "4faad27c-8cea-44d1-89d0-f6351abafa5e", "product_name": "Tiimely Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/tiimely-home/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0646, "comparison_rate_pct": 6.46, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.46, "bank": 6.46 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)", "Minimum loan $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e", "source_snapshot": "/au/finance/home-loans/v1/source/tiimely-home/4faad27c-8cea-44d1-89d0-f6351abafa5e.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 41, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "843", "product_name": "Premier Low Rate", "product_label": "Premier Low Rate", "product_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "terms_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.49 }, "restrictions": [], "eligibility": null, "conditions": [ "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum loan $100,000" ], "record_stale": true, "record_correction": "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/843", "source_snapshot": "/au/finance/home-loans/v1/source/defence-bank/843.json", "bank_last_updated": "2026-10-14T00:00:00.000+11:00" }, { "rank": 42, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "HLVariableFlexiOwnerOccupied", "product_name": "Flexi First: Our lowest online variable home loan rate (Owner Occupied)", "product_label": "Flexi First: Our Lowest Online Variable Home Loan Rate (Owner Occupied)", "product_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "terms_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.5 }, "restrictions": [], "eligibility": null, "conditions": [ "Lowest online rate needs an LVR of 80% or less", "Online rate excludes company and trust borrowers and internal refinances within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableFlexiOwnerOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/westpac/HLVariableFlexiOwnerOccupied.json", "bank_last_updated": "2026-11-13T03:19:55Z" }, { "rank": 43, "brand": "ME Bank - ME Go", "brand_label": "ME Bank", "brand_slug": "me-bank-me-go", "product_id": "cf2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "ME Bank EconoME Home Loan", "product_label": "EconoME Home Loan", "product_url": "https://www.mebank.com.au/home-loans/", "terms_url": "https://www.mebank.com.au/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.51, "bank": 6.51 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only; not internal refinances, top-ups or variations", "$3,000 cashback on refinances from another lender ($700,000+, LVR up to 80%) for applications 28 August 2026 to 7 December 2026" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/cf2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/me-bank-me-go/cf2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T21:53:17Z" }, { "rank": 44, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "210", "product_name": "OMG Home Loan (P&I) LVR<60", "product_label": "OMG Home Loan (P&I) LVR<60", "product_url": "https://www.bcu.com.au/home-loans/owner-occupier/omg-home-loan/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/home-loans-terms--conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0652, "comparison_rate_pct": 6.52, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.52 }, "restrictions": [], "eligibility": null, "conditions": [ "$300 document preparation fee at settlement", "Offset does not reduce interest during a fixed rate period", "Further 0.15% p.a. off when applying online direct: new owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/210", "source_snapshot": "/au/finance/home-loans/v1/source/bcu-bank/210.json", "bank_last_updated": "2026-11-13T00:00:41.2804876Z" }, { "rank": 45, "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "product_id": "L31_L31_10_OO_V_PI", "product_name": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_label": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_url": "https://www.centralmurray.bank/loans/housing-loans/#", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.49, "bank": 6.55, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "$800 loan establishment fee (new property mortgage)", "$350 mortgage discharge fee", "valuation at cost, minimum $300" ], "record_stale": false, "record_correction": "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_L31_10_OO_V_PI", "source_snapshot": "/au/finance/home-loans/v1/source/central-murray-bank/L31_L31_10_OO_V_PI.json", "bank_last_updated": "2026-11-11T10:01:59.000+11:00" }, { "rank": 46, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "cdd82e86-17c9-40be-a28a-a99f8c7d991f", "product_name": "Goldrate Home Loan", "product_label": "Goldrate Home Loan", "product_url": "https://www.borderbank.com.au/loans/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0656, "comparison_rate_pct": 6.56, "comparison_rate_at_loan_pct": 6.52, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.61, "bank": 6.56 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/cdd82e86-17c9-40be-a28a-a99f8c7d991f", "source_snapshot": "/au/finance/home-loans/v1/source/border-bank/cdd82e86-17c9-40be-a28a-a99f8c7d991f.json", "bank_last_updated": "2026-11-11T13:01:27.353Z" }, { "rank": 47, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "28c6f47a-39fe-40f4-abba-d27976d75f29", "product_name": "Goldrate Home Loan", "product_label": "Goldrate Home Loan", "product_url": "https://www.policebank.com.au/forms/investment-goldrate-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0656, "comparison_rate_pct": 6.56, "comparison_rate_at_loan_pct": 6.52, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.61, "bank": 6.56 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/28c6f47a-39fe-40f4-abba-d27976d75f29", "source_snapshot": "/au/finance/home-loans/v1/source/police-bank/28c6f47a-39fe-40f4-abba-d27976d75f29.json", "bank_last_updated": "2026-11-11T13:01:30.635Z" }, { "rank": 48, "brand": "Cairns bank", "brand_label": "Cairns Bank", "brand_slug": "cairns-bank", "product_id": "L21_CLASSIC_PI_60", "product_name": "CLASSIC HOME LOAN VARIABLE <60 LVR PI", "product_label": "Classic Home Loan Variable <60 Lvr Pi", "product_url": "https://cairnsbank.com.au/classic-vs-plus/", "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": null, "comparison_rate_pct": null, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 144, "upfront_fees": 300, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.64, "bank": null, "reason": "no bank comparison rate" }, "restrictions": [], "eligibility": null, "conditions": [ "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "$350 discharge fee for a loan secured on freehold property ($100 otherwise)", "$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder" ], "record_stale": false, "record_correction": "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60", "source_snapshot": "/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_60.json", "bank_last_updated": "2026-11-06T07:40:20.000+10:00" }, { "rank": 49, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "cb2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "BOQ Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.boq.com.au/personal/home-loans/myboq-home-loans", "terms_url": "https://www.boq.com.au/content/dam/boq/files/personal/myboq-home-loans/lending-guide-to-fees-and-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0653, "rate_pct": 6.53, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.54, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "Digital loan applied for and managed only in the myBOQ app", "$350 security release fee on discharge; $750 rate lock fee" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/cb2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-queensland-limited/cb2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-08T22:48:54Z" }, { "rank": 50, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "product_id": "f53a58f1-a964-4d9f-aa9d-23fec9148451", "product_name": "Mortgage Simplifier", "product_label": "Mortgage Simplifier", "product_url": "https://www.ing.com.au/home-loans/mortgage-simplifier.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 51.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Rates shown need total borrowings of at least $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/f53a58f1-a964-4d9f-aa9d-23fec9148451", "source_snapshot": "/au/finance/home-loans/v1/source/ing-bank-australia-ltd/f53a58f1-a964-4d9f-aa9d-23fec9148451.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 51, "brand": "MyState Bank", "brand_label": "MyState Bank", "brand_slug": "mystate-bank", "product_id": "fb4d69dc-3c6f-4881-b119-e7ef24574402", "product_name": "Basic Variable Loan", "product_label": "Basic Variable Loan", "product_url": "https://mystate.com.au/home-loans/basic-variable-home-loan/", "terms_url": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 650.0, "exit_fees": 380.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian citizens or permanent residents only", "New loans of $100,000+, LVR under 90% (or 5% Deposit Scheme)", "No establishment fee for owner occupiers ($350 settlement fee still applies); the published $650 includes the $300 investor establishment fee" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/fb4d69dc-3c6f-4881-b119-e7ef24574402", "source_snapshot": "/au/finance/home-loans/v1/source/mystate-bank/fb4d69dc-3c6f-4881-b119-e7ef24574402.json", "bank_last_updated": "2026-11-11T14:00:00.301306Z" }, { "rank": 52, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "524add2a-ea86-4639-b084-abde1082801e", "product_name": "BASIC HOME LOAN", "product_label": "Basic Home Loan", "product_url": "https://auswidebank.com.au/home-loans/compare-home-loans/", "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.58 }, "restrictions": [], "eligibility": null, "conditions": [ "Applicants must be 18 or over and Australian citizens or permanent residents" ], "record_stale": false, "record_correction": null, "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e", "source_snapshot": "/au/finance/home-loans/v1/source/auswide-bank-ltd/524add2a-ea86-4639-b084-abde1082801e.json", "bank_last_updated": "2026-11-12T08:49:55.000+10:00" }, { "rank": 53, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_HL_448", "product_name": "40 Year Home Loan Package", "product_label": "40 Year Home Loan Package", "product_url": "https://www.creditunionsa.com.au/loans/home-loans/40-year-home-loan", "terms_url": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.069, "comparison_rate_pct": 6.9, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395, "upfront_fees": 0, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.9 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "package (annual fee)", "Rate lock fee: the higher of $600 or 0.15% of the loan (fixed rates, up to 90 days)", "$395 annual Home Loan Package fee (no application or settlement fee)", "Not available with the Housing Australia Home Guarantee Scheme" ], "record_stale": false, "record_correction": "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_448", "source_snapshot": "/au/finance/home-loans/v1/source/credit-union-sa/CREDITUNIONSA_HL_448.json", "bank_last_updated": "2026-11-12T00:00:00.000+11:00" }, { "rank": 54, "brand": "BNK Bank (Goldfields Money/BCHL)", "brand_label": "BNK Bank", "brand_slug": "bnk-bank-goldfields-money-bchl", "product_id": "2001", "product_name": "Gold Prime Residential Basic Home Loans", "product_label": "Gold Prime Residential Basic Home Loans", "product_url": "https://www.bnk.com.au/home-loans/", "terms_url": "https://www.bnk.com.au/wp-content/uploads/2025/05/Loan-Contract-Terms-and-Conditions-v7-FEB24-030924.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0655, "rate_pct": 6.55, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 299.0, "upfront_fees": 295.0, "exit_fees": 700.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.84, "bank": 6.58, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/2001", "source_snapshot": "/au/finance/home-loans/v1/source/bnk-bank-goldfields-money-bchl/2001.json", "bank_last_updated": "2026-11-09T01:10:40.974255Z" }, { "rank": 55, "brand": "Qantas Money Basic/Offset Home Loans", "brand_label": "Qantas Money Basic/Offset Home Loans", "brand_slug": "qantas-money-basic-offset-home-loans", "product_id": "40a80249-5ea9-402d-9d43-218a7fd62546", "product_name": "QANTAS Money Basic Home Loan", "product_label": "Money Basic Home Loan", "product_url": "https://www.qantasmoney.com/home-loans", "terms_url": "https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0658, "rate_pct": 6.58, "comparison_rate": 0.0665, "comparison_rate_pct": 6.65, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 300000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 840.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.65, "bank": 6.65 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian residents who are Qantas Frequent Flyer members (every applicant)", "Sole applicants must be employed (PAYG or self-employed)", "Advertised rates are for new loans only", "Established property only: not off the plan or construction", "At least 10% deposit for loans under $2M (90% LVR); 25% above $2M, with no cash-out", "Loans from $300,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546", "source_snapshot": "/au/finance/home-loans/v1/source/qantas-money-basic-offset-home-loans/40a80249-5ea9-402d-9d43-218a7fd62546.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 56, "brand": "AFG Home Loans Alpha", "brand_label": "AFG Home Loans Alpha", "brand_slug": "afg-home-loans-alpha", "product_id": "caca2557-9a23-4a8a-9648-09699d765a3c", "product_name": "AFG Alpha Basic Home Loan", "product_label": "AFG Alpha Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/afg-home-loans-alpha/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments while fixed capped at $20,000; above that or ending the fixed period early may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/caca2557-9a23-4a8a-9648-09699d765a3c", "source_snapshot": "/au/finance/home-loans/v1/source/afg-home-loans-alpha/caca2557-9a23-4a8a-9648-09699d765a3c.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 57, "brand": "Aussie Elevate", "brand_label": "Aussie Elevate", "brand_slug": "aussie-elevate", "product_id": "181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "product_name": "Aussie Elevate Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/aussie-elevate/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)" ], "record_stale": false, "record_correction": null, "source_url": "https://api.aussie.app.bendigobank.com.au/cds-au/v1/banking/products/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "source_snapshot": "/au/finance/home-loans/v1/source/aussie-elevate/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 58, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "c1d7e8ef741e45e5b013fa7d05574e80", "product_name": "Digi Home Loan (Owner Occupied)", "product_label": "Digi Home Loan (Owner Occupied)", "product_url": "https://www.commbank.com.au/content/dam/commbank-assets/home-buying/docs/008-078-digi-home-loan-fact-sheet.pdf", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/utc-home-loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.62, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "existing CommBank home loans cannot switch to Digi", "individuals only (no companies or trusts); online application through NetBank/CommBank app", "online only: apply and manage through NetBank and the CommBank app", "one Everyday Offset account per loan", "no LMI or Low Deposit Premium, so a 20% deposit is needed" ], "record_stale": false, "record_correction": null, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80", "source_snapshot": "/au/finance/home-loans/v1/source/commbank/c1d7e8ef741e45e5b013fa7d05574e80.json", "bank_last_updated": "2026-11-13T01:15:05.000Z" }, { "rank": 59, "brand": "Connective Select", "brand_label": "Connective Select", "brand_slug": "connective-select", "product_id": "6afe8345-df21-4a4c-8017-16ef2dda2c91", "product_name": "Connective Select Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/connective-select/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Break cost fee if more than $20,000 is repaid in a fixed-term year" ], "record_stale": false, "record_correction": null, "source_url": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/6afe8345-df21-4a4c-8017-16ef2dda2c91", "source_snapshot": "/au/finance/home-loans/v1/source/connective-select/6afe8345-df21-4a4c-8017-16ef2dda2c91.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 60, "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "product_id": "11", "product_name": "Neat - OO Variable P&I", "product_label": "Neat - OO Variable P&I", "product_url": "https://www.ubank.com.au/home-loans/neat-variable-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/11", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/11.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "rank": 61, "brand": "Dnister", "brand_label": "Dnister", "brand_slug": "dnister", "product_id": "34", "product_name": "Simple Home Loan Plus", "product_label": "Simple Home Loan Plus", "product_url": "https://www.dnister.com.au/portfolio-items/simple-home-loan-plus/", "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.066, "rate_pct": 6.6, "comparison_rate": 0.0709, "comparison_rate_pct": 7.09, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 200000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 500, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.99, "bank": 7.09, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/34", "source_snapshot": "/au/finance/home-loans/v1/source/dnister/34.json", "bank_last_updated": "2026-11-13T00:00:38.9826984Z" }, { "rank": 62, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "283", "product_name": "Basic Variable HL LVR <60", "product_label": "Basic Variable HL LVR <60", "product_url": "https://www.pnbank.com.au/home-loans/owner-occupied/basic-variable-home-loan/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0663, "rate_pct": 6.63, "comparison_rate": 0.0666, "comparison_rate_pct": 6.66, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.64, "bank": 6.66 }, "restrictions": [], "eligibility": null, "conditions": [ "$650 rate lock-in fee on fixed rates (up to 90 days before funding)", "$300 document preparation fee at settlement", "Further 0.30% p.a. off when applying online direct: owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/283", "source_snapshot": "/au/finance/home-loans/v1/source/p-n-bank/283.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z" }, { "rank": 63, "brand": "AMP - My AMP", "brand_label": "AMP Bank", "brand_slug": "amp-my-amp", "product_id": "AMP_ESSENTIAL_HL", "product_name": "AMP Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.amp.com.au/home-loans/interest-rates-fees", "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.69, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 250000.0, "loan_max": 749999.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 490.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.7, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed", "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)", "Loan between $250,000 and $2 million, borrowing 80% or less of the property's value", "PAYG salary earners, or self-employed trading at least 2 years" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL", "source_snapshot": "/au/finance/home-loans/v1/source/amp-my-amp/AMP_ESSENTIAL_HL.json", "bank_last_updated": "2026-11-06T00:00:00.000Z" }, { "rank": 64, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "a89c13433bc142f9a6c659dcc1961abd", "product_name": "Bankwest Simple Home Loan", "product_label": "Simple Home Loan", "product_url": "https://www.bankwest.com.au/home-loans/variable-rate", "terms_url": "https://www.bankwest.com.au/home-loans/variable-rate", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.7, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 695.0, "exit_fees": 338.2, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "$0 application fee (usually $695)", "$10 a month per linked offset account" ], "record_stale": false, "record_correction": null, "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/a89c13433bc142f9a6c659dcc1961abd", "source_snapshot": "/au/finance/home-loans/v1/source/bankwest/a89c13433bc142f9a6c659dcc1961abd.json", "bank_last_updated": "2026-11-13T11:37:24.000Z" }, { "rank": 65, "brand": "ANZ Plus", "brand_label": "ANZ Plus", "brand_slug": "anz-plus", "product_id": "HLVAR01", "product_name": "ANZ Plus Home Loan Variable", "product_label": "Home Loan Variable", "product_url": "https://www.anz.com.au/plus/digital-home-loans/", "terms_url": "https://anz.com/plus/homeloantncs", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0675, "rate_pct": 6.75, "comparison_rate": 0.0675, "comparison_rate_pct": 6.75, "comparison_rate_at_loan_pct": 6.75, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 2000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.75 }, "restrictions": [], "eligibility": null, "conditions": [ "Refinance only: for an existing home loan of $10,000 to $2,000,000", "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income", "Properties in Tasmania and the Northern Territory not accepted", "Apply for and manage the loan in the ANZ Plus app only", "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying", "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only", "Applicants must not be a guarantor on any other loan" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01", "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json", "bank_last_updated": "2026-11-12T13:00:00.000Z" }, { "rank": 66, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian resident borrowers", "Promotional rate for new loans only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-melbourne/BOMHLBasic.json", "bank_last_updated": "2026-11-13T03:54:07Z" }, { "rank": 67, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSAHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "not available to non-Australian-resident borrowers", "promotional rate for new Basic loans only; excludes internal refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/banksa/BSAHLBasic.json", "bank_last_updated": "2026-11-13T03:54:08Z" }, { "rank": 68, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian-resident borrowers", "Promotional rate for new owner-occupier applications only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/st-george-bank/STGHLBasic.json", "bank_last_updated": "2026-11-13T03:54:05Z" }, { "rank": 69, "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "product_id": "Intelligent_Mortgage_Variable", "product_name": "Intelligent Mortgage Variable", "product_label": "Intelligent Mortgage Variable", "product_url": "https://lcu.com.au/product/intelligent-mortgage-variable", "terms_url": "https://lcu.com.au/disclosure-documents", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0685, "rate_pct": 6.85, "comparison_rate": 0.0687, "comparison_rate_pct": 6.87, "comparison_rate_at_loan_pct": 6.85, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 3000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.87, "bank": 6.87 }, "restrictions": [], "eligibility": null, "conditions": [ "80% LVR without LMI; up to 95% with lenders mortgage insurance" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable", "source_snapshot": "/au/finance/home-loans/v1/source/laboratories-credit-union/Intelligent_Mortgage_Variable.json", "bank_last_updated": "2026-11-06T11:03:29.000+11:00" }, { "rank": 70, "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "product_name": "ESSENTIAL HOME LOAN", "product_label": "Essential Home Loan", "product_url": "https://www.ddbank.com.au/home-loans/essential-plus-loan/", "terms_url": "https://www.ddbank.com.au/loans/home-loans/essential-plus-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0679, "comparison_rate_pct": 6.79, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1067.0, "exit_fees": 542.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.98, "bank": 6.79, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Mortgage release fee $275 per request", "$45 for a staff-assisted redraw (online $0); minimum redraw $1,000" ], "record_stale": false, "record_correction": null, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "source_snapshot": "/au/finance/home-loans/v1/source/darling-downs-bank/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST.json", "bank_last_updated": "2026-11-13T09:47:38.000+10:00" }, { "rank": 71, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "544ad5cb-7e52-4a30-b1d7-a080abafbfac", "product_name": "ANZ Simplicity PLUS", "product_label": "Simplicity PLUS", "product_url": "https://www.anz.com.au/personal/home-loans/basic-variable/?CID=af:obank:hl", "terms_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/consumer-lending-tc.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0689, "comparison_rate_pct": 6.89, "comparison_rate_at_loan_pct": 6.89, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.89 }, "restrictions": [], "eligibility": null, "conditions": [ "Settlement, production and lodgement fees ($160 each) and $50 search fee are not charged when the loan is set up", "Minimum new loan $20,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac", "source_snapshot": "/au/finance/home-loans/v1/source/anz/544ad5cb-7e52-4a30-b1d7-a080abafbfac.json", "bank_last_updated": "2026-11-12T13:01:00.000Z" }, { "rank": 72, "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "product_id": "L35LOWLVROOCPI", "product_name": "LOW LVR OOC P&I", "product_label": "Low Lvr Ooc P&i", "product_url": "https://themaccu.com.au/home-loans/all-home-loans/", "terms_url": "https://themaccu.com.au/support/rates-fees/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0699, "rate_pct": 6.99, "comparison_rate": 0.0706, "comparison_rate_pct": 7.06, "comparison_rate_at_loan_pct": 7.0, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.02, "bank": 7.06 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Maximum LVR 70%" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L35LOWLVROOCPI", "source_snapshot": "/au/finance/home-loans/v1/source/the-mac/L35LOWLVROOCPI.json", "bank_last_updated": "2026-11-02T09:55:53.000+11:00" }, { "rank": 73, "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "product_id": "690e034e-a1c5-4aea-ba09-830b86a129b6", "product_name": "Debt consolidation home loan", "product_label": "Debt Consolidation Home Loan", "product_url": "https://liberty.com.au/home-loans/debt-consolidation-home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "any", "repayment": "principal_and_interest", "rate": 0.0709, "rate_pct": 7.09, "comparison_rate": 0.0736, "comparison_rate_pct": 7.36, "comparison_rate_at_loan_pct": 7.16, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 10000000.0, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": null, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.35, "bank": 7.36 }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "refinancing only", "$995 fee and higher rate for company/trust borrowers or investors with 4+ properties", "0.25% rate loading for loan terms over 30 years" ], "record_stale": false, "record_correction": null, "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/690e034e-a1c5-4aea-ba09-830b86a129b6", "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/690e034e-a1c5-4aea-ba09-830b86a129b6.json", "bank_last_updated": "2026-11-13T00:00:00Z" }, { "rank": 74, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "406acd2d-821f-41fa-b658-f4011722355b", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.peoplefirstbank.com.au/loans/home-loans/owner-occupier-home-loans/basic-variable-home-loan", "terms_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0843, "rate_pct": 8.43, "comparison_rate": 0.0843, "comparison_rate_pct": 8.43, "comparison_rate_at_loan_pct": 8.43, "lvr_min": 0.0, "lvr_max": 95.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": 2000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.43, "bank": 8.43 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-29, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Every offset account holder must be a borrower on the loan" ], "record_stale": true, "record_correction": null, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/406acd2d-821f-41fa-b658-f4011722355b", "source_snapshot": "/au/finance/home-loans/v1/source/people-first-and-heritage-bank/406acd2d-821f-41fa-b658-f4011722355b.json", "bank_last_updated": "2026-10-29T18:35:23.444Z" }, { "rank": 75, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "4200-0211", "product_name": "Basic Variable OO P&I", "product_label": "Basic Variable OO P&I", "product_url": "https://www.greatsouthernbank.com.au/home-loans/basic-variable", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.085, "rate_pct": 8.5, "comparison_rate": 0.066, "comparison_rate_pct": 6.6, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 600.0, "exit_fees": 500.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 8.55, "bank": 6.6, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "$235 security administration fee per security on top of the $600 establishment fee", "Discounted rates for new loans of $100,000+ or switches with $10,000+ new borrowing approved from 11 November 2026" ], "record_stale": false, "record_correction": null, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0211", "source_snapshot": "/au/finance/home-loans/v1/source/great-southern-bank/4200-0211.json", "bank_last_updated": "2026-11-10T14:00:01.00000Z" }, { "rank": 76, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Standard_Home_Loan", "product_name": "Standard Home Loan", "product_label": "Standard Home Loan", "product_url": "https://www.themutual.com.au/borrow/home-loans/standard-home-loan/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0888, "rate_pct": 8.88, "comparison_rate": 0.0891, "comparison_rate_pct": 8.91, "comparison_rate_at_loan_pct": 8.89, "lvr_min": 0.0, "lvr_max": 95.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.92, "bank": 8.91 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/maitland-mutual-limited/Standard_Home_Loan.json", "bank_last_updated": "2026-10-14T08:38:10.000+11:00" }, { "rank": 77, "brand": "Judo Bank", "brand_label": "Judo Bank", "brand_slug": "judo-bank", "product_id": "63e5a9e5-f73c-434a-9221-f6f1574e45dd", "product_name": "Home Loan", "product_label": "Home Loan", "product_url": "https://www.judo.bank/home-loan", "terms_url": "https://www.judo.bank/home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0915, "rate_pct": 9.15, "comparison_rate": 0.0917, "comparison_rate_pct": 9.17, "comparison_rate_at_loan_pct": 9.17, "lvr_min": 0.0, "lvr_max": 100.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": 20000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 900.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.22, "bank": 9.17 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/63e5a9e5-f73c-434a-9221-f6f1574e45dd", "source_snapshot": "/au/finance/home-loans/v1/source/judo-bank/63e5a9e5-f73c-434a-9221-f6f1574e45dd.json", "bank_last_updated": "2026-11-10T22:11:33.306088Z" } ], "entries_with_broker": [ { "rank": 1, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUL30V_OO", "product_name": "Value Home Loan - Owner Occupied", "product_label": "Value Home Loan - Owner Occupied", "product_url": "https://www.nicu.com.au/home-loans/value-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0598, "comparison_rate_pct": 5.98, "comparison_rate_at_loan_pct": 5.94, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 500000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 5.94, "bank": 5.98 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "new loans only", "Minimum loan $500,000" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL30V_OO", "source_snapshot": "/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL30V_OO.json", "bank_last_updated": "2026-06-03T10:22:18.000+10:00" }, { "rank": 2, "brand": "Broken Hill Bank", "brand_label": "Broken Hill Bank", "brand_slug": "broken-hill-bank", "product_id": "54", "product_name": "Choice Home Loan", "product_label": "Choice Home Loan", "product_url": "https://brokenhill.bank/choice-home-loan", "terms_url": "https://brokenhill.bank/choice-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0599, "comparison_rate_pct": 5.99, "comparison_rate_at_loan_pct": 5.96, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1005.0, "exit_fees": 774.02, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.02, "bank": 5.99 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-10-16", "Australian citizens or permanent residents only", "new loans: purchases or refinances from another lender; existing customers only by adding $50,000", "minimum property value $300,000; not for construction or bridging loans" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-10-16", "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/54", "source_snapshot": "/au/finance/home-loans/v1/source/broken-hill-bank/54.json", "bank_last_updated": "2026-09-14T08:00:17.2969966Z" }, { "rank": 3, "brand": "MoveBank", "brand_label": "MoveBank", "brand_slug": "movebank", "product_id": "3b68aefd-3bd6-4674-940a-137fb97563bb", "product_name": "Everyday Home Loan", "product_label": "Everyday Home Loan", "product_url": "https://move.bank/loans/home-loans", "terms_url": "https://move.bank/about-us/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0609, "rate_pct": 6.09, "comparison_rate": 0.0615, "comparison_rate_pct": 6.15, "comparison_rate_at_loan_pct": 6.1, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 3000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 700.0, "exit_fees": 450.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.15, "bank": 6.15 }, "restrictions": [], "eligibility": null, "conditions": [ "Must be a MoveBank member to apply", "Advertised rate needs $1,500 a month credited to a MoveBank transaction account", "$700 establishment fee, including one standard valuation up to $205", "$450 discharge fee", "$100,000 to $3,000,000", "Up to 95% with LMI (data shows 90%)" ], "record_stale": false, "record_correction": null, "source_url": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/3b68aefd-3bd6-4674-940a-137fb97563bb", "source_snapshot": "/au/finance/home-loans/v1/source/movebank/3b68aefd-3bd6-4674-940a-137fb97563bb.json", "bank_last_updated": "2026-11-12T14:20:14.36022Z" }, { "rank": 4, "brand": "Unloan", "brand_label": "Unloan", "brand_slug": "unloan", "product_id": "8250def8-24f4-411c-80a5-e71f54cf5823", "product_name": "Unloan Home Loan", "product_label": "Home Loan", "product_url": "https://www.unloan.com.au/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0605, "comparison_rate_pct": 6.05, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": null, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.14, "bank": 6.05, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates shown are for new loans only", "Borrow up to 90% of the property value without LMI (higher rate above 80%)" ], "record_stale": true, "record_correction": null, "source_url": "https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823", "source_snapshot": "/au/finance/home-loans/v1/source/unloan/8250def8-24f4-411c-80a5-e71f54cf5823.json", "bank_last_updated": "2026-10-15T20:40:21.758226Z" }, { "rank": 5, "brand": "Gateway Bank", "brand_label": "Gateway Bank", "brand_slug": "gateway-bank", "product_id": "99", "product_name": "Low Rate Essentials", "product_label": "Low Rate Essentials", "product_url": "https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/", "terms_url": "https://www.gatewaybank.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0616, "comparison_rate_pct": 6.16, "comparison_rate_at_loan_pct": 6.14, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.14, "bank": 6.16 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates quoted are for new lending only", "$7.50 for a redraw not done through Online Banking; minimum redraw $500" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99", "source_snapshot": "/au/finance/home-loans/v1/source/gateway-bank/99.json", "bank_last_updated": "2026-10-13T02:00:31.5908395Z" }, { "rank": 6, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "14b17326-4145-4e2d-b808-5bb877b3267e", "product_name": "Regional Australia Bank Home Loan (Non Offset)", "product_label": "Home Loan (Non Offset)", "product_url": "https://www.regionalaustraliabank.com.au/home-loans/regional-australia-bank-home-loan", "terms_url": "https://www.regionalaustraliabank.com.au/getContentAsset/d767dfb3-2c2c-42ab-a933-e9a682c20c19/3beffb48-3dfa-48f3-8905-aded8557907a/TMD_HL009-Home-Loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0617, "comparison_rate_pct": 6.17, "comparison_rate_at_loan_pct": 6.15, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 500.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 225.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.16, "bank": 6.17 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/14b17326-4145-4e2d-b808-5bb877b3267e", "source_snapshot": "/au/finance/home-loans/v1/source/regional-australia-bank/14b17326-4145-4e2d-b808-5bb877b3267e.json", "bank_last_updated": "2026-10-22T23:04:31.37502Z" }, { "rank": 7, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "78", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://summerland.com.au/my-banking/home-loans/basic-home-loan", "terms_url": "https://www.summerland.com.au/loans-fees-charges", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.062, "comparison_rate_pct": 6.2, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 30000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 700, "exit_fees": 395, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.28, "bank": 6.2, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "$225 settlement fee when refinancing in from another lender (waived for Premium)", "Establishment and monthly fees free only under the Special Offer (new loans of $150,000+, P&I, within LVR limits); otherwise $300 establishment and $8 a month" ], "record_stale": false, "record_correction": "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/78", "source_snapshot": "/au/finance/home-loans/v1/source/summerland-bank/78.json", "bank_last_updated": "2026-11-13T00:00:40.5826068Z" }, { "rank": 8, "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "product_id": "L79_REFI_SPECIAL_OO", "product_name": "REFI SPECIAL OWNER OCCUPIED", "product_label": "Refi Special Owner Occupied", "product_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "terms_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 10000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 395, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.17, "bank": 6.24, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "refinancing only", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_REFI_SPECIAL_OO", "source_snapshot": "/au/finance/home-loans/v1/source/tmcu/L79_REFI_SPECIAL_OO.json", "bank_last_updated": "2026-11-12T09:05:24.000+11:00" }, { "rank": 9, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "COMPLETE_PACKAGE_HOME_LOAN", "product_name": "COMPLETE PACKAGE HOME LOAN", "product_label": "Complete Package Home Loan", "product_url": "https://firstoptionbank.com.au/loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.23, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 375.0, "upfront_fees": null, "exit_fees": 175.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.49 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "No set-up fee for owner-occupied loans, but third-party legal and valuation costs above $1,000 are passed on (investment loans: $400 admin fee plus costs)" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/first-option-bank/COMPLETE_PACKAGE_HOME_LOAN.json", "bank_last_updated": "2026-11-12T10:54:39.000+11:00" }, { "rank": 10, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "L2_HomeLoan", "product_name": "Home Sweet Home Loan", "product_label": "Home Sweet Home Loan", "product_url": "https://horizonbank.com.au/loans/owner-occupied-loan/home-sweet-home-loan/", "terms_url": "https://horizonbank.com.au/about-us/corporate-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0685, "comparison_rate_pct": 6.85, "comparison_rate_at_loan_pct": null, "lvr_min": 0.01, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 150, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.3, "bank": 6.85, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "Advertised rate includes a 0.60% p.a. honeymoon discount for the first 2 years", "Special discount rate for new business only" ], "record_stale": false, "record_correction": "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan", "source_snapshot": "/au/finance/home-loans/v1/source/horizon-bank/L2_HomeLoan.json", "bank_last_updated": "2026-11-04T10:58:53.000+11:00" }, { "rank": 11, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "10391363", "product_name": "Discount Home Loan (With Principal and Interest Repayment)", "product_label": "Discount Home Loan (With Principal and Interest Repayment)", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "correction", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.18, "bank": 6.38, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "new borrowers only; not for switching an existing Bank of China loan", "applications by 31 December 2026, settled before 31 March 2027" ], "record_stale": true, "record_correction": "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-china/10391363.json", "bank_last_updated": "2026-10-08T06:00:00.000+11:00" }, { "rank": 12, "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "BROKER_HOME_LOAN", "product_name": "BROKER HOME LOAN", "product_label": "Broker Home Loan", "product_url": "https://www.sccu.com.au/home-loans/", "terms_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Home-Loan-and-Personal-Loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.28, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": 6000000.0, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 430.0, "exit_fees": 150.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.53 }, "restrictions": [ "broker_only" ], "eligibility": null, "conditions": [ "through a broker only", "Advertised rates for new loans only", "Fixed-rate break costs waived on extra repayments up to $10,000 a year" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BROKER_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/southern-cross-credit-union/BROKER_HOME_LOAN.json", "bank_last_updated": "2026-11-13T10:29:41.000+11:00" }, { "rank": 13, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "TopLineOO", "product_name": "TOPLINE HOME LOAN", "product_label": "Topline Home Loan", "product_url": "https://bankofus.com.au/home-loans", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.01, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 675.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.24 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/TopLineOO", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-us/TopLineOO.json", "bank_last_updated": "2026-10-15T09:40:53.000+11:00" }, { "rank": 14, "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "product_id": "LBSUB60OOPI_V1", "product_name": "liteBlue O/Occ P+I (up to 60%LVR)", "product_label": "liteBlue O/Occ P+I (Up to 60%LVR)", "product_url": "https://www.humebank.com.au/personal/home-loans/liteblue-variable-rate-home-loan", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.25, "bank": 6.25 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$199 application fee" ], "record_stale": true, "record_correction": null, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/LBSUB60OOPI_V1", "source_snapshot": "/au/finance/home-loans/v1/source/hume-bank/LBSUB60OOPI_V1.json", "bank_last_updated": "2026-10-14T09:01:23.000+11:00" }, { "rank": 15, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "f1f4dfec-268b-4d8f-b177-33311c33cef5", "product_name": "Discount Variable - Owner Occupied", "product_label": "Discount Variable - Owner Occupied", "product_url": "https://www.heritage.com.au/loans/home-loans/variable-interest-rate/discount-variable-rate", "terms_url": "https://www.heritage.com.au/-/media/m/publications/rates/lending-schedule-of-fees.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": 699999.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 345.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.25, "bank": 6.25 }, "restrictions": [ "broker_only" ], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Heritage Bank branded loans only through mortgage brokers, not in branch or online", "Rates are for new loans only, not switches or internal refinances", "Maximum LVR 95%" ], "record_stale": true, "record_correction": null, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/f1f4dfec-268b-4d8f-b177-33311c33cef5", "source_snapshot": "/au/finance/home-loans/v1/source/people-first-and-heritage-bank/f1f4dfec-268b-4d8f-b177-33311c33cef5.json", "bank_last_updated": "2026-10-12T14:01:48.257Z" }, { "rank": 16, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "product_id": "15", "product_name": "Home Loan-Package", "product_label": "Home Loan-Package", "product_url": "https://www.queenslandcountry.bank/Banking/home-loans/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.59, "bank": 6.25, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "Package needs total borrowings of at least $100,000" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15", "source_snapshot": "/au/finance/home-loans/v1/source/queensland-country-bank/15.json", "bank_last_updated": "2026-11-13T00:00:23.8091263Z" }, { "rank": 17, "brand": "Bank of Sydney", "brand_label": "Bank of Sydney", "brand_slug": "bank-of-sydney", "product_id": "bosbasic_oo", "product_name": "BOS Basic Home Loan Owner Occupied", "product_label": "BOS Basic Home Loan Owner Occupied", "product_url": "https://www.banksyd.com.au/bos-basic-home-loan", "terms_url": "https://www.banksyd.com.au/important-product-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0628, "comparison_rate_pct": 6.28, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.26, "bank": 6.28 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "advertised rates for new loans up to 95% LVR only; not internal refinances, switches, bridging or construction", "legal fee $250, plus $100 per additional security", "valuation covered up to $420; any amount above is extra" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/bosbasic_oo", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-sydney/bosbasic_oo.json", "bank_last_updated": "2026-10-16T04:16:49Z" }, { "rank": 18, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "product_name": "Basic Home Loan Variable LVR<60%", "product_label": "Basic Home Loan Variable LVR<60%", "product_url": "https://www.bankfirst.com.au/loans/home-loans/basic-home-loan-owner-occupied", "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/0EZVG/original/tc_part_a", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Advertised rates apply to new lending only" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "source_snapshot": "/au/finance/home-loans/v1/source/bank-first/0e9a7d6f-5887-460e-89ee-b09cbe2e8526.json", "bank_last_updated": "2026-10-15T20:31:54.243317Z" }, { "rank": 19, "brand": "bankWAW", "brand_label": "BankWAW", "brand_slug": "bankwaw", "product_id": "L6_OOCC", "product_name": "Back to Basics Owner Occupied", "product_label": "Back to Basics Owner Occupied", "product_url": "https://www.bankwaw.com.au/Loans", "terms_url": "https://www.bankwaw.com.au/Portals/0/Support/Disclosure-Documents/10090%20-%20BankWAW%20-%20Fees%20and%20Charges%20Guide%20(Loan%20Products)%201.11.24.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 1.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 45000.0, "loan_max": 3500000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-10, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "discount for 2 years from settlement, then the Back to Basics standard rate", "introductory rate not for switches from other BankWAW home loans", "introductory rate not for company or trust borrowers", "refinances from another lender: BankWAW establishment, valuation and search fees waived up to $2,200", "refinance fee waiver for applications 1 September 2026 to 31 January 2027 (or until fully subscribed)" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC", "source_snapshot": "/au/finance/home-loans/v1/source/bankwaw/L6_OOCC.json", "bank_last_updated": "2026-10-10T19:39:59.000+11:00" }, { "rank": 20, "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "product_id": "8f169e0c-9488-40fa-97fe-d614ec6bf293", "product_name": "No Frills Owner Occupied Home Loan", "product_label": "No Frills Owner Occupied Home Loan", "product_url": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/", "terms_url": "https://www.capricornian.com.au/documents/conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Australian citizens or permanent residents only", "Minimum loan $150,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293", "source_snapshot": "/au/finance/home-loans/v1/source/the-capricornian/8f169e0c-9488-40fa-97fe-d614ec6bf293.json", "bank_last_updated": "2026-10-08T20:00:00.570333Z" }, { "rank": 21, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "L23_60LVR_OCC_PRIN", "product_name": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_label": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_url": "https://www.unity.bank/home-loans/buy-or-refinance/momentum-home-loan/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "product", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.24, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "special rate for new refinances only; not for refinancing existing Unity Bank loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60LVR_OCC_PRIN", "source_snapshot": "/au/finance/home-loans/v1/source/unity-bank/L23_60LVR_OCC_PRIN.json", "bank_last_updated": "2026-10-06T15:32:45.000+11:00" }, { "rank": 22, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "LN001MBLBAS001", "product_name": "Macquarie Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.macquarie.com.au/home-loans/basic-home-loan.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/home-loans/MBL-Home-Loans-Terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0631, "comparison_rate_pct": 6.31, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.32, "bank": 6.31 }, "restrictions": [], "eligibility": null, "conditions": [ "New loans from $150,000 up to $10,000,000", "Extra repayments on a fixed rate account limited to $10,000 a year; more may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001", "source_snapshot": "/au/finance/home-loans/v1/source/macquarie-bank-limited/LN001MBLBAS001.json", "bank_last_updated": "2026-11-05T00:01:00.001Z" }, { "rank": 23, "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "product_id": "L22-ESSMVR-OOPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0634, "comparison_rate_pct": 6.34, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.33, "bank": 6.34 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOPI-RD.json", "bank_last_updated": "2026-10-21T15:26:59.000+11:00" }, { "rank": 24, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "product_name": "NAB Tailored Home Loan", "product_label": "Tailored Home Loan", "product_url": "https://www.nab.com.au/personal/home-loans", "terms_url": "https://www.nab.com.au/personal/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0642, "comparison_rate_pct": 6.42, "comparison_rate_at_loan_pct": 6.32, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 144.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.42, "bank": 6.42 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Up to 10 offset accounts", "Extra repayments while fixed limited to $20,000 without fees", "Advertised rates are for new home loans" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "source_snapshot": "/au/finance/home-loans/v1/source/national-australia-bank/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a.json", "bank_last_updated": "2026-10-09T13:59:59Z" }, { "rank": 25, "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "product_id": "3285", "product_name": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_label": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_url": "https://www.greater.com.au/personal/home-loans/great-rate-home-loan", "terms_url": "https://www.greater.com.au/termsandconditions", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 680.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285", "source_snapshot": "/au/finance/home-loans/v1/source/greater-bank/3285.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 26, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "5bc12280-2272-ee11-8179-6045bd3d38f0", "product_name": "Virgin Money Lite Home Loan", "product_label": "Lite Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "comparison_rate_at_loan_pct": 6.34, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.36, "bank": 6.36 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/5bc12280-2272-ee11-8179-6045bd3d38f0.json", "bank_last_updated": "2026-11-05T22:04:49Z" }, { "rank": 27, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "fd4ed454-477c-4723-bda8-8c03e4331393", "product_name": "RateSaver Home Loan", "product_label": "RateSaver Home Loan", "product_url": "https://www.australianmilitarybank.com.au/home-loans/ratesaver-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 120.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.37, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/fd4ed454-477c-4723-bda8-8c03e4331393", "source_snapshot": "/au/finance/home-loans/v1/source/australian-military-bank/fd4ed454-477c-4723-bda8-8c03e4331393.json", "bank_last_updated": "2026-10-14T13:00:00.385045Z" }, { "rank": 28, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "37", "product_name": "Purple Basic Vbl Home Loan", "product_label": "Purple Basic Vbl Home Loan", "product_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "terms_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 445.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$445 application fee covers valuation up to $300; valuation above $300 extra" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/beyond-bank-australia/37.json", "bank_last_updated": "2026-10-12T10:00:30.5134382Z" }, { "rank": 29, "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "product_id": "Premium_Smart_Home_Loan", "product_name": "Premium Smart Home Loan", "product_label": "Premium Smart Home Loan", "product_url": "https://www.cwcu.com.au/lending/home-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 497.0, "exit_fees": 536.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.4 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30" ], "record_stale": true, "record_correction": "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30", "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/central-west-cul/Premium_Smart_Home_Loan.json", "bank_last_updated": "2026-10-29T09:15:50.000+11:00" }, { "rank": 30, "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "product_id": "L2_HL_OwnOccupied", "product_name": "Standard Variable Rate Home Loan", "product_label": "Standard Variable Rate Home Loan", "product_url": "https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/", "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0635, "rate_pct": 6.35, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.35, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Valuation and discharge fees charged at cost" ], "record_stale": false, "record_correction": null, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L2_HL_OwnOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/swsbank/L2_HL_OwnOccupied.json", "bank_last_updated": "2026-11-11T09:45:45.000+11:00" }, { "rank": 31, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "d6a80145-dc64-42da-a8c1-7c1e494fd361", "product_name": "Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bankaust.com.au/banking/home-loans/basic-home-loan", "terms_url": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0638, "rate_pct": 6.38, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": 6.38, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 275.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.38 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum new borrowing $10,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/d6a80145-dc64-42da-a8c1-7c1e494fd361", "source_snapshot": "/au/finance/home-loans/v1/source/bank-australia/d6a80145-dc64-42da-a8c1-7c1e494fd361.json", "bank_last_updated": "2026-10-27T22:30:46.160Z" }, { "rank": 32, "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "product_id": "585", "product_name": "Fair Dinkum Home Loan", "product_label": "Fair Dinkum Home Loan", "product_url": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan", "terms_url": "https://www.racq.com.au/home/home-loans/basic-variable-rate-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "comparison_rate_at_loan_pct": 6.39, "lvr_min": 0.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": false, "redraw": false, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.39 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "80% maximum LVR, 95% with LMI" ], "record_stale": true, "record_correction": null, "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/585", "source_snapshot": "/au/finance/home-loans/v1/source/racq-bank/585.json", "bank_last_updated": "2026-10-12T22:13:30Z" }, { "rank": 33, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "product_name": "Bendigo Express Home Loan", "product_label": "Express Home Loan", "product_url": "https://www.bendigobank.com.au/personal/home-loans/express-home-loan/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0654, "comparison_rate_pct": 6.54, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 1500000.0, "offset": true, "redraw": true, "annual_fee": 120.0, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.52, "bank": 6.54 }, "restrictions": [], "eligibility": null, "conditions": [ "Loan $10,000 to $3 million", "Valuation fees at cost per property: $134.20 electronic, $220 full (under $1m), $440 full (over $1m)", "Rates are for new Express home loans and may differ for existing customers; applied for online", "Australian citizens or permanent residents living in Australia" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "source_snapshot": "/au/finance/home-loans/v1/source/bendigo-bank/01fec5c4-a888-4330-a8cc-4a0a0ac931b5.json", "bank_last_updated": "2026-11-10T13:31:23.996Z" }, { "rank": 34, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "37", "product_name": "Classic Home Loan", "product_label": "Classic Home Loan", "product_url": "https://www.coastline.com.au/personal/home-loans", "terms_url": "https://cdn.sanity.io/files/djf521sf/production/f15ad20494f97551eafb39d8a0424c61ddc1201b.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 96.0, "upfront_fees": 595.0, "exit_fees": 630.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Break costs when switching from, or repaying early during, a fixed rate period" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/coastline-bank/37.json", "bank_last_updated": "2026-10-15T04:00:14.7982475Z" }, { "rank": 35, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "GB-OOPI-LVR80", "product_name": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_label": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_url": "https://www.communityfirst.com.au/products/go-basic-home-loan", "terms_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.41, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 696.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee" ], "record_stale": false, "record_correction": null, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80", "source_snapshot": "/au/finance/home-loans/v1/source/commfcu/GB-OOPI-LVR80.json", "bank_last_updated": "2026-11-10T14:08:48.000+11:00" }, { "rank": 36, "brand": "Arab Bank Australia Limited", "brand_label": "Arab Bank Australia", "brand_slug": "arab-bank-australia-limited", "product_id": "BASICS02", "product_name": "Basics Home Loan Special Offer", "product_label": "Basics Home Loan Special Offer", "product_url": "https://www.arabbank.com.au/personal/home-loans/dont-just-dream", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.43, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.53 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "New customers, or existing customers buying a new owner-occupied property, applying direct (not through a broker or referrer)", "Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BASICS02", "source_snapshot": "/au/finance/home-loans/v1/source/arab-bank-australia-limited/BASICS02.json", "bank_last_updated": "2026-10-12T23:03:31.787099Z" }, { "rank": 37, "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "product_id": "RM-1-1", "product_name": "Budget Home Loan", "product_label": "Budget Home Loan", "product_url": "https://www.imb.com.au/home-loans/living-in/budget-home-loan", "terms_url": "https://www.imb.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0647, "comparison_rate_pct": 6.47, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 1.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 449.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.47 }, "restrictions": [], "eligibility": null, "conditions": [ "Cashback $2,000-$4,000 on new purchase or refinance loans of $250,000+ (not IMB refinances); half repayable if discharged within 12 months", "Discounted variable rate for new applications only; not for refinancing existing IMB loans" ], "record_stale": false, "record_correction": null, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-1", "source_snapshot": "/au/finance/home-loans/v1/source/imb-bank/RM-1-1.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 38, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "HL_realdealPI", "product_name": "Real Deal Home Loan Principal and Interest", "product_label": "Real Deal Home Loan Principal and Interest", "product_url": "https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan", "terms_url": "https://www.newcastlepermanent.com.au/siteassets/documents/terms-conditions-fees-and-charges/mortgage-and-personal-loans/FactSheet_MortgageLoans.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)" ], "record_stale": false, "record_correction": "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)", "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI", "source_snapshot": "/au/finance/home-loans/v1/source/newcastle-permanent/HL_realdealPI.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 39, "brand": "NRMA Home Loans", "brand_label": "NRMA Home Loans", "brand_slug": "nrma-home-loans", "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "product_name": "NRMA Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.nrma.com.au/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 495.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments on fixed loans limited to $20,000 a year without penalty" ], "record_stale": false, "record_correction": null, "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8", "source_snapshot": "/au/finance/home-loans/v1/source/nrma-home-loans/cd514842-f20f-4c6b-b367-de9c3c83f2f8.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 40, "brand": "Up", "brand_label": "Up", "brand_slug": "up", "product_id": "up-home", "product_name": "Up Home Loan", "product_label": "Home Loan", "product_url": "https://up.com.au/home-loans", "terms_url": "https://up.com.au/product-terms/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 7500000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "Up to 50 Savers act as free 100% offset accounts", "Extra repayments on fixed rate loans limited to $30,000", "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on", "For Up customers; applied for and managed in the Up app" ], "record_stale": false, "record_correction": null, "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home", "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json", "bank_last_updated": "2026-11-12T00:00:13+11:00" }, { "rank": 41, "brand": "Tiimely Home", "brand_label": "Tiimely Home", "brand_slug": "tiimely-home", "product_id": "4faad27c-8cea-44d1-89d0-f6351abafa5e", "product_name": "Tiimely Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/tiimely-home/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0646, "comparison_rate_pct": 6.46, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.46, "bank": 6.46 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)", "Minimum loan $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e", "source_snapshot": "/au/finance/home-loans/v1/source/tiimely-home/4faad27c-8cea-44d1-89d0-f6351abafa5e.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 42, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "843", "product_name": "Premier Low Rate", "product_label": "Premier Low Rate", "product_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "terms_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.49 }, "restrictions": [], "eligibility": null, "conditions": [ "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum loan $100,000" ], "record_stale": true, "record_correction": "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/843", "source_snapshot": "/au/finance/home-loans/v1/source/defence-bank/843.json", "bank_last_updated": "2026-10-14T00:00:00.000+11:00" }, { "rank": 43, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "HLVariableFlexiOwnerOccupied", "product_name": "Flexi First: Our lowest online variable home loan rate (Owner Occupied)", "product_label": "Flexi First: Our Lowest Online Variable Home Loan Rate (Owner Occupied)", "product_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "terms_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.5 }, "restrictions": [], "eligibility": null, "conditions": [ "Lowest online rate needs an LVR of 80% or less", "Online rate excludes company and trust borrowers and internal refinances within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableFlexiOwnerOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/westpac/HLVariableFlexiOwnerOccupied.json", "bank_last_updated": "2026-11-13T03:19:55Z" }, { "rank": 44, "brand": "ME Bank - ME Go", "brand_label": "ME Bank", "brand_slug": "me-bank-me-go", "product_id": "cf2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "ME Bank EconoME Home Loan", "product_label": "EconoME Home Loan", "product_url": "https://www.mebank.com.au/home-loans/", "terms_url": "https://www.mebank.com.au/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.51, "bank": 6.51 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only; not internal refinances, top-ups or variations", "$3,000 cashback on refinances from another lender ($700,000+, LVR up to 80%) for applications 28 August 2026 to 7 December 2026" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/cf2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/me-bank-me-go/cf2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T21:53:17Z" }, { "rank": 45, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "210", "product_name": "OMG Home Loan (P&I) LVR<60", "product_label": "OMG Home Loan (P&I) LVR<60", "product_url": "https://www.bcu.com.au/home-loans/owner-occupier/omg-home-loan/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/home-loans-terms--conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0652, "comparison_rate_pct": 6.52, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.52 }, "restrictions": [], "eligibility": null, "conditions": [ "$300 document preparation fee at settlement", "Offset does not reduce interest during a fixed rate period", "Further 0.15% p.a. off when applying online direct: new owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/210", "source_snapshot": "/au/finance/home-loans/v1/source/bcu-bank/210.json", "bank_last_updated": "2026-11-13T00:00:41.2804876Z" }, { "rank": 46, "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "product_id": "L31_L31_10_OO_V_PI", "product_name": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_label": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_url": "https://www.centralmurray.bank/loans/housing-loans/#", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.49, "bank": 6.55, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "$800 loan establishment fee (new property mortgage)", "$350 mortgage discharge fee", "valuation at cost, minimum $300" ], "record_stale": false, "record_correction": "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_L31_10_OO_V_PI", "source_snapshot": "/au/finance/home-loans/v1/source/central-murray-bank/L31_L31_10_OO_V_PI.json", "bank_last_updated": "2026-11-11T10:01:59.000+11:00" }, { "rank": 47, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "cdd82e86-17c9-40be-a28a-a99f8c7d991f", "product_name": "Goldrate Home Loan", "product_label": "Goldrate Home Loan", "product_url": "https://www.borderbank.com.au/loans/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0656, "comparison_rate_pct": 6.56, "comparison_rate_at_loan_pct": 6.52, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.61, "bank": 6.56 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/cdd82e86-17c9-40be-a28a-a99f8c7d991f", "source_snapshot": "/au/finance/home-loans/v1/source/border-bank/cdd82e86-17c9-40be-a28a-a99f8c7d991f.json", "bank_last_updated": "2026-11-11T13:01:27.353Z" }, { "rank": 48, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "28c6f47a-39fe-40f4-abba-d27976d75f29", "product_name": "Goldrate Home Loan", "product_label": "Goldrate Home Loan", "product_url": "https://www.policebank.com.au/forms/investment-goldrate-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0656, "comparison_rate_pct": 6.56, "comparison_rate_at_loan_pct": 6.52, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.61, "bank": 6.56 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/28c6f47a-39fe-40f4-abba-d27976d75f29", "source_snapshot": "/au/finance/home-loans/v1/source/police-bank/28c6f47a-39fe-40f4-abba-d27976d75f29.json", "bank_last_updated": "2026-11-11T13:01:30.635Z" }, { "rank": 49, "brand": "Cairns bank", "brand_label": "Cairns Bank", "brand_slug": "cairns-bank", "product_id": "L21_CLASSIC_PI_60", "product_name": "CLASSIC HOME LOAN VARIABLE <60 LVR PI", "product_label": "Classic Home Loan Variable <60 Lvr Pi", "product_url": "https://cairnsbank.com.au/classic-vs-plus/", "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": null, "comparison_rate_pct": null, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 144, "upfront_fees": 300, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.64, "bank": null, "reason": "no bank comparison rate" }, "restrictions": [], "eligibility": null, "conditions": [ "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "$350 discharge fee for a loan secured on freehold property ($100 otherwise)", "$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder" ], "record_stale": false, "record_correction": "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60", "source_snapshot": "/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_60.json", "bank_last_updated": "2026-11-06T07:40:20.000+10:00" }, { "rank": 50, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "cb2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "BOQ Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.boq.com.au/personal/home-loans/myboq-home-loans", "terms_url": "https://www.boq.com.au/content/dam/boq/files/personal/myboq-home-loans/lending-guide-to-fees-and-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0653, "rate_pct": 6.53, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.54, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "Digital loan applied for and managed only in the myBOQ app", "$350 security release fee on discharge; $750 rate lock fee" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/cb2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-queensland-limited/cb2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-08T22:48:54Z" }, { "rank": 51, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "product_id": "f53a58f1-a964-4d9f-aa9d-23fec9148451", "product_name": "Mortgage Simplifier", "product_label": "Mortgage Simplifier", "product_url": "https://www.ing.com.au/home-loans/mortgage-simplifier.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 51.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Rates shown need total borrowings of at least $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/f53a58f1-a964-4d9f-aa9d-23fec9148451", "source_snapshot": "/au/finance/home-loans/v1/source/ing-bank-australia-ltd/f53a58f1-a964-4d9f-aa9d-23fec9148451.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 52, "brand": "MyState Bank", "brand_label": "MyState Bank", "brand_slug": "mystate-bank", "product_id": "fb4d69dc-3c6f-4881-b119-e7ef24574402", "product_name": "Basic Variable Loan", "product_label": "Basic Variable Loan", "product_url": "https://mystate.com.au/home-loans/basic-variable-home-loan/", "terms_url": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 650.0, "exit_fees": 380.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian citizens or permanent residents only", "New loans of $100,000+, LVR under 90% (or 5% Deposit Scheme)", "No establishment fee for owner occupiers ($350 settlement fee still applies); the published $650 includes the $300 investor establishment fee" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/fb4d69dc-3c6f-4881-b119-e7ef24574402", "source_snapshot": "/au/finance/home-loans/v1/source/mystate-bank/fb4d69dc-3c6f-4881-b119-e7ef24574402.json", "bank_last_updated": "2026-11-11T14:00:00.301306Z" }, { "rank": 53, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "524add2a-ea86-4639-b084-abde1082801e", "product_name": "BASIC HOME LOAN", "product_label": "Basic Home Loan", "product_url": "https://auswidebank.com.au/home-loans/compare-home-loans/", "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.58 }, "restrictions": [], "eligibility": null, "conditions": [ "Applicants must be 18 or over and Australian citizens or permanent residents" ], "record_stale": false, "record_correction": null, "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e", "source_snapshot": "/au/finance/home-loans/v1/source/auswide-bank-ltd/524add2a-ea86-4639-b084-abde1082801e.json", "bank_last_updated": "2026-11-12T08:49:55.000+10:00" }, { "rank": 54, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_HL_448", "product_name": "40 Year Home Loan Package", "product_label": "40 Year Home Loan Package", "product_url": "https://www.creditunionsa.com.au/loans/home-loans/40-year-home-loan", "terms_url": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.069, "comparison_rate_pct": 6.9, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395, "upfront_fees": 0, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.9 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "package (annual fee)", "Rate lock fee: the higher of $600 or 0.15% of the loan (fixed rates, up to 90 days)", "$395 annual Home Loan Package fee (no application or settlement fee)", "Not available with the Housing Australia Home Guarantee Scheme" ], "record_stale": false, "record_correction": "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_448", "source_snapshot": "/au/finance/home-loans/v1/source/credit-union-sa/CREDITUNIONSA_HL_448.json", "bank_last_updated": "2026-11-12T00:00:00.000+11:00" }, { "rank": 55, "brand": "BNK Bank (Goldfields Money/BCHL)", "brand_label": "BNK Bank", "brand_slug": "bnk-bank-goldfields-money-bchl", "product_id": "2001", "product_name": "Gold Prime Residential Basic Home Loans", "product_label": "Gold Prime Residential Basic Home Loans", "product_url": "https://www.bnk.com.au/home-loans/", "terms_url": "https://www.bnk.com.au/wp-content/uploads/2025/05/Loan-Contract-Terms-and-Conditions-v7-FEB24-030924.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0655, "rate_pct": 6.55, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 299.0, "upfront_fees": 295.0, "exit_fees": 700.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.84, "bank": 6.58, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/2001", "source_snapshot": "/au/finance/home-loans/v1/source/bnk-bank-goldfields-money-bchl/2001.json", "bank_last_updated": "2026-11-09T01:10:40.974255Z" }, { "rank": 56, "brand": "Qantas Money Basic/Offset Home Loans", "brand_label": "Qantas Money Basic/Offset Home Loans", "brand_slug": "qantas-money-basic-offset-home-loans", "product_id": "40a80249-5ea9-402d-9d43-218a7fd62546", "product_name": "QANTAS Money Basic Home Loan", "product_label": "Money Basic Home Loan", "product_url": "https://www.qantasmoney.com/home-loans", "terms_url": "https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0658, "rate_pct": 6.58, "comparison_rate": 0.0665, "comparison_rate_pct": 6.65, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 300000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 840.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.65, "bank": 6.65 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian residents who are Qantas Frequent Flyer members (every applicant)", "Sole applicants must be employed (PAYG or self-employed)", "Advertised rates are for new loans only", "Established property only: not off the plan or construction", "At least 10% deposit for loans under $2M (90% LVR); 25% above $2M, with no cash-out", "Loans from $300,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546", "source_snapshot": "/au/finance/home-loans/v1/source/qantas-money-basic-offset-home-loans/40a80249-5ea9-402d-9d43-218a7fd62546.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 57, "brand": "AFG Home Loans Alpha", "brand_label": "AFG Home Loans Alpha", "brand_slug": "afg-home-loans-alpha", "product_id": "caca2557-9a23-4a8a-9648-09699d765a3c", "product_name": "AFG Alpha Basic Home Loan", "product_label": "AFG Alpha Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/afg-home-loans-alpha/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments while fixed capped at $20,000; above that or ending the fixed period early may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/caca2557-9a23-4a8a-9648-09699d765a3c", "source_snapshot": "/au/finance/home-loans/v1/source/afg-home-loans-alpha/caca2557-9a23-4a8a-9648-09699d765a3c.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 58, "brand": "Aussie Elevate", "brand_label": "Aussie Elevate", "brand_slug": "aussie-elevate", "product_id": "181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "product_name": "Aussie Elevate Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/aussie-elevate/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)" ], "record_stale": false, "record_correction": null, "source_url": "https://api.aussie.app.bendigobank.com.au/cds-au/v1/banking/products/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "source_snapshot": "/au/finance/home-loans/v1/source/aussie-elevate/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 59, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "c1d7e8ef741e45e5b013fa7d05574e80", "product_name": "Digi Home Loan (Owner Occupied)", "product_label": "Digi Home Loan (Owner Occupied)", "product_url": "https://www.commbank.com.au/content/dam/commbank-assets/home-buying/docs/008-078-digi-home-loan-fact-sheet.pdf", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/utc-home-loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.62, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "existing CommBank home loans cannot switch to Digi", "individuals only (no companies or trusts); online application through NetBank/CommBank app", "online only: apply and manage through NetBank and the CommBank app", "one Everyday Offset account per loan", "no LMI or Low Deposit Premium, so a 20% deposit is needed" ], "record_stale": false, "record_correction": null, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80", "source_snapshot": "/au/finance/home-loans/v1/source/commbank/c1d7e8ef741e45e5b013fa7d05574e80.json", "bank_last_updated": "2026-11-13T01:15:05.000Z" }, { "rank": 60, "brand": "Connective Select", "brand_label": "Connective Select", "brand_slug": "connective-select", "product_id": "6afe8345-df21-4a4c-8017-16ef2dda2c91", "product_name": "Connective Select Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/connective-select/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Break cost fee if more than $20,000 is repaid in a fixed-term year" ], "record_stale": false, "record_correction": null, "source_url": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/6afe8345-df21-4a4c-8017-16ef2dda2c91", "source_snapshot": "/au/finance/home-loans/v1/source/connective-select/6afe8345-df21-4a4c-8017-16ef2dda2c91.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 61, "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "product_id": "11", "product_name": "Neat - OO Variable P&I", "product_label": "Neat - OO Variable P&I", "product_url": "https://www.ubank.com.au/home-loans/neat-variable-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/11", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/11.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "rank": 62, "brand": "Dnister", "brand_label": "Dnister", "brand_slug": "dnister", "product_id": "34", "product_name": "Simple Home Loan Plus", "product_label": "Simple Home Loan Plus", "product_url": "https://www.dnister.com.au/portfolio-items/simple-home-loan-plus/", "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.066, "rate_pct": 6.6, "comparison_rate": 0.0709, "comparison_rate_pct": 7.09, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 200000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 500, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.99, "bank": 7.09, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/34", "source_snapshot": "/au/finance/home-loans/v1/source/dnister/34.json", "bank_last_updated": "2026-11-13T00:00:38.9826984Z" }, { "rank": 63, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "283", "product_name": "Basic Variable HL LVR <60", "product_label": "Basic Variable HL LVR <60", "product_url": "https://www.pnbank.com.au/home-loans/owner-occupied/basic-variable-home-loan/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0663, "rate_pct": 6.63, "comparison_rate": 0.0666, "comparison_rate_pct": 6.66, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.64, "bank": 6.66 }, "restrictions": [], "eligibility": null, "conditions": [ "$650 rate lock-in fee on fixed rates (up to 90 days before funding)", "$300 document preparation fee at settlement", "Further 0.30% p.a. off when applying online direct: owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/283", "source_snapshot": "/au/finance/home-loans/v1/source/p-n-bank/283.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z" }, { "rank": 64, "brand": "AMP - My AMP", "brand_label": "AMP Bank", "brand_slug": "amp-my-amp", "product_id": "AMP_ESSENTIAL_HL", "product_name": "AMP Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.amp.com.au/home-loans/interest-rates-fees", "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.69, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 250000.0, "loan_max": 749999.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 490.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.7, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed", "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)", "Loan between $250,000 and $2 million, borrowing 80% or less of the property's value", "PAYG salary earners, or self-employed trading at least 2 years" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL", "source_snapshot": "/au/finance/home-loans/v1/source/amp-my-amp/AMP_ESSENTIAL_HL.json", "bank_last_updated": "2026-11-06T00:00:00.000Z" }, { "rank": 65, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "a89c13433bc142f9a6c659dcc1961abd", "product_name": "Bankwest Simple Home Loan", "product_label": "Simple Home Loan", "product_url": "https://www.bankwest.com.au/home-loans/variable-rate", "terms_url": "https://www.bankwest.com.au/home-loans/variable-rate", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.7, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 695.0, "exit_fees": 338.2, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "$0 application fee (usually $695)", "$10 a month per linked offset account" ], "record_stale": false, "record_correction": null, "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/a89c13433bc142f9a6c659dcc1961abd", "source_snapshot": "/au/finance/home-loans/v1/source/bankwest/a89c13433bc142f9a6c659dcc1961abd.json", "bank_last_updated": "2026-11-13T11:37:24.000Z" }, { "rank": 66, "brand": "ANZ Plus", "brand_label": "ANZ Plus", "brand_slug": "anz-plus", "product_id": "HLVAR01", "product_name": "ANZ Plus Home Loan Variable", "product_label": "Home Loan Variable", "product_url": "https://www.anz.com.au/plus/digital-home-loans/", "terms_url": "https://anz.com/plus/homeloantncs", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0675, "rate_pct": 6.75, "comparison_rate": 0.0675, "comparison_rate_pct": 6.75, "comparison_rate_at_loan_pct": 6.75, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 2000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.75 }, "restrictions": [], "eligibility": null, "conditions": [ "Refinance only: for an existing home loan of $10,000 to $2,000,000", "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income", "Properties in Tasmania and the Northern Territory not accepted", "Apply for and manage the loan in the ANZ Plus app only", "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying", "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only", "Applicants must not be a guarantor on any other loan" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01", "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json", "bank_last_updated": "2026-11-12T13:00:00.000Z" }, { "rank": 67, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian resident borrowers", "Promotional rate for new loans only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-melbourne/BOMHLBasic.json", "bank_last_updated": "2026-11-13T03:54:07Z" }, { "rank": 68, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSAHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "not available to non-Australian-resident borrowers", "promotional rate for new Basic loans only; excludes internal refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/banksa/BSAHLBasic.json", "bank_last_updated": "2026-11-13T03:54:08Z" }, { "rank": 69, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian-resident borrowers", "Promotional rate for new owner-occupier applications only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/st-george-bank/STGHLBasic.json", "bank_last_updated": "2026-11-13T03:54:05Z" }, { "rank": 70, "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "product_id": "Intelligent_Mortgage_Variable", "product_name": "Intelligent Mortgage Variable", "product_label": "Intelligent Mortgage Variable", "product_url": "https://lcu.com.au/product/intelligent-mortgage-variable", "terms_url": "https://lcu.com.au/disclosure-documents", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0685, "rate_pct": 6.85, "comparison_rate": 0.0687, "comparison_rate_pct": 6.87, "comparison_rate_at_loan_pct": 6.85, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 3000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.87, "bank": 6.87 }, "restrictions": [], "eligibility": null, "conditions": [ "80% LVR without LMI; up to 95% with lenders mortgage insurance" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable", "source_snapshot": "/au/finance/home-loans/v1/source/laboratories-credit-union/Intelligent_Mortgage_Variable.json", "bank_last_updated": "2026-11-06T11:03:29.000+11:00" }, { "rank": 71, "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "product_name": "ESSENTIAL HOME LOAN", "product_label": "Essential Home Loan", "product_url": "https://www.ddbank.com.au/home-loans/essential-plus-loan/", "terms_url": "https://www.ddbank.com.au/loans/home-loans/essential-plus-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0679, "comparison_rate_pct": 6.79, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1067.0, "exit_fees": 542.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.98, "bank": 6.79, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Mortgage release fee $275 per request", "$45 for a staff-assisted redraw (online $0); minimum redraw $1,000" ], "record_stale": false, "record_correction": null, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "source_snapshot": "/au/finance/home-loans/v1/source/darling-downs-bank/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST.json", "bank_last_updated": "2026-11-13T09:47:38.000+10:00" }, { "rank": 72, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "544ad5cb-7e52-4a30-b1d7-a080abafbfac", "product_name": "ANZ Simplicity PLUS", "product_label": "Simplicity PLUS", "product_url": "https://www.anz.com.au/personal/home-loans/basic-variable/?CID=af:obank:hl", "terms_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/consumer-lending-tc.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0689, "comparison_rate_pct": 6.89, "comparison_rate_at_loan_pct": 6.89, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.89 }, "restrictions": [], "eligibility": null, "conditions": [ "Settlement, production and lodgement fees ($160 each) and $50 search fee are not charged when the loan is set up", "Minimum new loan $20,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac", "source_snapshot": "/au/finance/home-loans/v1/source/anz/544ad5cb-7e52-4a30-b1d7-a080abafbfac.json", "bank_last_updated": "2026-11-12T13:01:00.000Z" }, { "rank": 73, "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "product_id": "L35LOWLVROOCPI", "product_name": "LOW LVR OOC P&I", "product_label": "Low Lvr Ooc P&i", "product_url": "https://themaccu.com.au/home-loans/all-home-loans/", "terms_url": "https://themaccu.com.au/support/rates-fees/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0699, "rate_pct": 6.99, "comparison_rate": 0.0706, "comparison_rate_pct": 7.06, "comparison_rate_at_loan_pct": 7.0, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.02, "bank": 7.06 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Maximum LVR 70%" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L35LOWLVROOCPI", "source_snapshot": "/au/finance/home-loans/v1/source/the-mac/L35LOWLVROOCPI.json", "bank_last_updated": "2026-11-02T09:55:53.000+11:00" }, { "rank": 74, "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "product_id": "690e034e-a1c5-4aea-ba09-830b86a129b6", "product_name": "Debt consolidation home loan", "product_label": "Debt Consolidation Home Loan", "product_url": "https://liberty.com.au/home-loans/debt-consolidation-home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "any", "repayment": "principal_and_interest", "rate": 0.0709, "rate_pct": 7.09, "comparison_rate": 0.0736, "comparison_rate_pct": 7.36, "comparison_rate_at_loan_pct": 7.16, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 10000000.0, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": null, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.35, "bank": 7.36 }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "refinancing only", "$995 fee and higher rate for company/trust borrowers or investors with 4+ properties", "0.25% rate loading for loan terms over 30 years" ], "record_stale": false, "record_correction": null, "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/690e034e-a1c5-4aea-ba09-830b86a129b6", "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/690e034e-a1c5-4aea-ba09-830b86a129b6.json", "bank_last_updated": "2026-11-13T00:00:00Z" }, { "rank": 75, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "4200-0211", "product_name": "Basic Variable OO P&I", "product_label": "Basic Variable OO P&I", "product_url": "https://www.greatsouthernbank.com.au/home-loans/basic-variable", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.085, "rate_pct": 8.5, "comparison_rate": 0.066, "comparison_rate_pct": 6.6, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 600.0, "exit_fees": 500.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 8.55, "bank": 6.6, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "$235 security administration fee per security on top of the $600 establishment fee", "Discounted rates for new loans of $100,000+ or switches with $10,000+ new borrowing approved from 11 November 2026" ], "record_stale": false, "record_correction": null, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0211", "source_snapshot": "/au/finance/home-loans/v1/source/great-southern-bank/4200-0211.json", "bank_last_updated": "2026-11-10T14:00:01.00000Z" }, { "rank": 76, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Standard_Home_Loan", "product_name": "Standard Home Loan", "product_label": "Standard Home Loan", "product_url": "https://www.themutual.com.au/borrow/home-loans/standard-home-loan/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0888, "rate_pct": 8.88, "comparison_rate": 0.0891, "comparison_rate_pct": 8.91, "comparison_rate_at_loan_pct": 8.89, "lvr_min": 0.0, "lvr_max": 95.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.92, "bank": 8.91 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/maitland-mutual-limited/Standard_Home_Loan.json", "bank_last_updated": "2026-10-14T08:38:10.000+11:00" }, { "rank": 77, "brand": "Judo Bank", "brand_label": "Judo Bank", "brand_slug": "judo-bank", "product_id": "63e5a9e5-f73c-434a-9221-f6f1574e45dd", "product_name": "Home Loan", "product_label": "Home Loan", "product_url": "https://www.judo.bank/home-loan", "terms_url": "https://www.judo.bank/home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0915, "rate_pct": 9.15, "comparison_rate": 0.0917, "comparison_rate_pct": 9.17, "comparison_rate_at_loan_pct": 9.17, "lvr_min": 0.0, "lvr_max": 100.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": 20000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 900.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.22, "bank": 9.17 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/63e5a9e5-f73c-434a-9221-f6f1574e45dd", "source_snapshot": "/au/finance/home-loans/v1/source/judo-bank/63e5a9e5-f73c-434a-9221-f6f1574e45dd.json", "bank_last_updated": "2026-11-10T22:11:33.306088Z" } ], "entries_with_restricted": [ { "rank": 1, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUL30V_OO", "product_name": "Value Home Loan - Owner Occupied", "product_label": "Value Home Loan - Owner Occupied", "product_url": "https://www.nicu.com.au/home-loans/value-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0598, "comparison_rate_pct": 5.98, "comparison_rate_at_loan_pct": 5.94, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 500000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 5.94, "bank": 5.98 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "new loans only", "Minimum loan $500,000" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL30V_OO", "source_snapshot": "/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL30V_OO.json", "bank_last_updated": "2026-06-03T10:22:18.000+10:00" }, { "rank": 2, "brand": "Broken Hill Bank", "brand_label": "Broken Hill Bank", "brand_slug": "broken-hill-bank", "product_id": "54", "product_name": "Choice Home Loan", "product_label": "Choice Home Loan", "product_url": "https://brokenhill.bank/choice-home-loan", "terms_url": "https://brokenhill.bank/choice-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0599, "comparison_rate_pct": 5.99, "comparison_rate_at_loan_pct": 5.96, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1005.0, "exit_fees": 774.02, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.02, "bank": 5.99 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-10-16", "Australian citizens or permanent residents only", "new loans: purchases or refinances from another lender; existing customers only by adding $50,000", "minimum property value $300,000; not for construction or bridging loans" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-10-16", "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/54", "source_snapshot": "/au/finance/home-loans/v1/source/broken-hill-bank/54.json", "bank_last_updated": "2026-09-14T08:00:17.2969966Z" }, { "rank": 3, "brand": "MoveBank", "brand_label": "MoveBank", "brand_slug": "movebank", "product_id": "3b68aefd-3bd6-4674-940a-137fb97563bb", "product_name": "Everyday Home Loan", "product_label": "Everyday Home Loan", "product_url": "https://move.bank/loans/home-loans", "terms_url": "https://move.bank/about-us/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0609, "rate_pct": 6.09, "comparison_rate": 0.0615, "comparison_rate_pct": 6.15, "comparison_rate_at_loan_pct": 6.1, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 3000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 700.0, "exit_fees": 450.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.15, "bank": 6.15 }, "restrictions": [], "eligibility": null, "conditions": [ "Must be a MoveBank member to apply", "Advertised rate needs $1,500 a month credited to a MoveBank transaction account", "$700 establishment fee, including one standard valuation up to $205", "$450 discharge fee", "$100,000 to $3,000,000", "Up to 95% with LMI (data shows 90%)" ], "record_stale": false, "record_correction": null, "source_url": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/3b68aefd-3bd6-4674-940a-137fb97563bb", "source_snapshot": "/au/finance/home-loans/v1/source/movebank/3b68aefd-3bd6-4674-940a-137fb97563bb.json", "bank_last_updated": "2026-11-12T14:20:14.36022Z" }, { "rank": 4, "brand": "Unloan", "brand_label": "Unloan", "brand_slug": "unloan", "product_id": "8250def8-24f4-411c-80a5-e71f54cf5823", "product_name": "Unloan Home Loan", "product_label": "Home Loan", "product_url": "https://www.unloan.com.au/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0605, "comparison_rate_pct": 6.05, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": null, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.14, "bank": 6.05, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates shown are for new loans only", "Borrow up to 90% of the property value without LMI (higher rate above 80%)" ], "record_stale": true, "record_correction": null, "source_url": "https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823", "source_snapshot": "/au/finance/home-loans/v1/source/unloan/8250def8-24f4-411c-80a5-e71f54cf5823.json", "bank_last_updated": "2026-10-15T20:40:21.758226Z" }, { "rank": 5, "brand": "Gateway Bank", "brand_label": "Gateway Bank", "brand_slug": "gateway-bank", "product_id": "99", "product_name": "Low Rate Essentials", "product_label": "Low Rate Essentials", "product_url": "https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/", "terms_url": "https://www.gatewaybank.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0616, "comparison_rate_pct": 6.16, "comparison_rate_at_loan_pct": 6.14, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.14, "bank": 6.16 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates quoted are for new lending only", "$7.50 for a redraw not done through Online Banking; minimum redraw $500" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99", "source_snapshot": "/au/finance/home-loans/v1/source/gateway-bank/99.json", "bank_last_updated": "2026-10-13T02:00:31.5908395Z" }, { "rank": 6, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "14b17326-4145-4e2d-b808-5bb877b3267e", "product_name": "Regional Australia Bank Home Loan (Non Offset)", "product_label": "Home Loan (Non Offset)", "product_url": "https://www.regionalaustraliabank.com.au/home-loans/regional-australia-bank-home-loan", "terms_url": "https://www.regionalaustraliabank.com.au/getContentAsset/d767dfb3-2c2c-42ab-a933-e9a682c20c19/3beffb48-3dfa-48f3-8905-aded8557907a/TMD_HL009-Home-Loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0617, "comparison_rate_pct": 6.17, "comparison_rate_at_loan_pct": 6.15, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 500.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 225.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.16, "bank": 6.17 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/14b17326-4145-4e2d-b808-5bb877b3267e", "source_snapshot": "/au/finance/home-loans/v1/source/regional-australia-bank/14b17326-4145-4e2d-b808-5bb877b3267e.json", "bank_last_updated": "2026-10-22T23:04:31.37502Z" }, { "rank": 7, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "78", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://summerland.com.au/my-banking/home-loans/basic-home-loan", "terms_url": "https://www.summerland.com.au/loans-fees-charges", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.062, "comparison_rate_pct": 6.2, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 30000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 700, "exit_fees": 395, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.28, "bank": 6.2, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "$225 settlement fee when refinancing in from another lender (waived for Premium)", "Establishment and monthly fees free only under the Special Offer (new loans of $150,000+, P&I, within LVR limits); otherwise $300 establishment and $8 a month" ], "record_stale": false, "record_correction": "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/78", "source_snapshot": "/au/finance/home-loans/v1/source/summerland-bank/78.json", "bank_last_updated": "2026-11-13T00:00:40.5826068Z" }, { "rank": 8, "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "product_id": "L79_REFI_SPECIAL_OO", "product_name": "REFI SPECIAL OWNER OCCUPIED", "product_label": "Refi Special Owner Occupied", "product_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "terms_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 10000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 395, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.17, "bank": 6.24, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "refinancing only", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_REFI_SPECIAL_OO", "source_snapshot": "/au/finance/home-loans/v1/source/tmcu/L79_REFI_SPECIAL_OO.json", "bank_last_updated": "2026-11-12T09:05:24.000+11:00" }, { "rank": 9, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "COMPLETE_PACKAGE_HOME_LOAN", "product_name": "COMPLETE PACKAGE HOME LOAN", "product_label": "Complete Package Home Loan", "product_url": "https://firstoptionbank.com.au/loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.23, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 375.0, "upfront_fees": null, "exit_fees": 175.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.49 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "No set-up fee for owner-occupied loans, but third-party legal and valuation costs above $1,000 are passed on (investment loans: $400 admin fee plus costs)" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/first-option-bank/COMPLETE_PACKAGE_HOME_LOAN.json", "bank_last_updated": "2026-11-12T10:54:39.000+11:00" }, { "rank": 10, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "L2_HomeLoan", "product_name": "Home Sweet Home Loan", "product_label": "Home Sweet Home Loan", "product_url": "https://horizonbank.com.au/loans/owner-occupied-loan/home-sweet-home-loan/", "terms_url": "https://horizonbank.com.au/about-us/corporate-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0685, "comparison_rate_pct": 6.85, "comparison_rate_at_loan_pct": null, "lvr_min": 0.01, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 150, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.3, "bank": 6.85, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "Advertised rate includes a 0.60% p.a. honeymoon discount for the first 2 years", "Special discount rate for new business only" ], "record_stale": false, "record_correction": "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan", "source_snapshot": "/au/finance/home-loans/v1/source/horizon-bank/L2_HomeLoan.json", "bank_last_updated": "2026-11-04T10:58:53.000+11:00" }, { "rank": 11, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "10391363", "product_name": "Discount Home Loan (With Principal and Interest Repayment)", "product_label": "Discount Home Loan (With Principal and Interest Repayment)", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "correction", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.18, "bank": 6.38, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "new borrowers only; not for switching an existing Bank of China loan", "applications by 31 December 2026, settled before 31 March 2027" ], "record_stale": true, "record_correction": "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-china/10391363.json", "bank_last_updated": "2026-10-08T06:00:00.000+11:00" }, { "rank": 12, "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "PREMIUM_HOME_LOAN", "product_name": "PREMIUM HOME LOAN", "product_label": "Premium Home Loan", "product_url": "https://www.sccu.com.au/home-loans/", "terms_url": "https://www.sccu.com.au/sccu-loan-contract-general-terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.28, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 250000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 430.0, "exit_fees": 150.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.53 }, "restrictions": [], "eligibility": null, "conditions": [ "Advertised rates for new loans only", "Fixed-rate break costs waived on extra repayments up to $10,000 a year", "LMI waived up to 90% LVR for applicants on SCCU's professionals list" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/southern-cross-credit-union/PREMIUM_HOME_LOAN.json", "bank_last_updated": "2026-11-13T11:05:45.000+11:00" }, { "rank": 13, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "TopLineOO", "product_name": "TOPLINE HOME LOAN", "product_label": "Topline Home Loan", "product_url": "https://bankofus.com.au/home-loans", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.01, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 675.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.24 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/TopLineOO", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-us/TopLineOO.json", "bank_last_updated": "2026-10-15T09:40:53.000+11:00" }, { "rank": 14, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "product_id": "L6_Special_Variable_Home_Loan_IC88", "product_name": "Home Loan Special Variable Rate", "product_label": "Home Loan Special Variable Rate", "product_url": "https://www.bankvic.com.au/home-buying/upgrade-refinance", "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": 6.25, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 600, "exit_fees": 295.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.24 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "police, emergency services, health and government workers and their families", "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "source_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions" }, "conditions": [ "set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again", "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "LVR not stated; ranked at 80% LVR and below only", "members only: police, emergency services, health and government workers and their families", "Valuation outside metro areas or interstate may cost up to $1,000", "Special offer rate only for new borrowings and refinances into BankVic; no offset", "Up to 80% LVR without LMI, up to 90% with LMI" ], "record_stale": true, "record_correction": "set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again", "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Special_Variable_Home_Loan_IC88", "source_snapshot": "/au/finance/home-loans/v1/source/bankvic/L6_Special_Variable_Home_Loan_IC88.json", "bank_last_updated": "2026-10-13T07:20:23.000+11:00" }, { "rank": 15, "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "product_id": "LBSUB60OOPI_V1", "product_name": "liteBlue O/Occ P+I (up to 60%LVR)", "product_label": "liteBlue O/Occ P+I (Up to 60%LVR)", "product_url": "https://www.humebank.com.au/personal/home-loans/liteblue-variable-rate-home-loan", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.25, "bank": 6.25 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$199 application fee" ], "record_stale": true, "record_correction": null, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/LBSUB60OOPI_V1", "source_snapshot": "/au/finance/home-loans/v1/source/hume-bank/LBSUB60OOPI_V1.json", "bank_last_updated": "2026-10-14T09:01:23.000+11:00" }, { "rank": 16, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "product_id": "15", "product_name": "Home Loan-Package", "product_label": "Home Loan-Package", "product_url": "https://www.queenslandcountry.bank/Banking/home-loans/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.59, "bank": 6.25, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "Package needs total borrowings of at least $100,000" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15", "source_snapshot": "/au/finance/home-loans/v1/source/queensland-country-bank/15.json", "bank_last_updated": "2026-11-13T00:00:23.8091263Z" }, { "rank": 17, "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "product_id": "ClassicHomeLoan", "product_name": "Classic Home Loan", "product_label": "Classic Home Loan", "product_url": "https://qbank.com.au/loans-credit-cards/home-loans/home-loan-options/", "terms_url": "https://www.qbank.com.au/other-content/general-information-terms-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0626, "comparison_rate_pct": 6.26, "comparison_rate_at_loan_pct": 6.26, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 895.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.3, "bank": 6.26 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Queensland police, health, ambulance, fire, corrective services and government workers, and their relatives", "quote": "Membership Eligibility Queensland Police Service Employees Queensland Health Employees", "source_url": "https://qbank.com.au/membership/who-can-join/" }, "conditions": [ "membership limited to Queensland police, health, ambulance, fire, corrective services and government workers, and their relatives", "Special offer and fixed rates need a salary credit of at least $1,500 a month into a QBANK transaction account" ], "record_stale": false, "record_correction": null, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/ClassicHomeLoan", "source_snapshot": "/au/finance/home-loans/v1/source/qbank/ClassicHomeLoan.json", "bank_last_updated": "2026-11-12T22:01:11.000+10:00" }, { "rank": 18, "brand": "Bank of Sydney", "brand_label": "Bank of Sydney", "brand_slug": "bank-of-sydney", "product_id": "bosbasic_oo", "product_name": "BOS Basic Home Loan Owner Occupied", "product_label": "BOS Basic Home Loan Owner Occupied", "product_url": "https://www.banksyd.com.au/bos-basic-home-loan", "terms_url": "https://www.banksyd.com.au/important-product-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0628, "comparison_rate_pct": 6.28, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.26, "bank": 6.28 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "advertised rates for new loans up to 95% LVR only; not internal refinances, switches, bridging or construction", "legal fee $250, plus $100 per additional security", "valuation covered up to $420; any amount above is extra" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/bosbasic_oo", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-sydney/bosbasic_oo.json", "bank_last_updated": "2026-10-16T04:16:49Z" }, { "rank": 19, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "product_name": "Basic Home Loan Variable LVR<60%", "product_label": "Basic Home Loan Variable LVR<60%", "product_url": "https://www.bankfirst.com.au/loans/home-loans/basic-home-loan-owner-occupied", "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/0EZVG/original/tc_part_a", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Advertised rates apply to new lending only" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "source_snapshot": "/au/finance/home-loans/v1/source/bank-first/0e9a7d6f-5887-460e-89ee-b09cbe2e8526.json", "bank_last_updated": "2026-10-15T20:31:54.243317Z" }, { "rank": 20, "brand": "bankWAW", "brand_label": "BankWAW", "brand_slug": "bankwaw", "product_id": "L6_OOCC", "product_name": "Back to Basics Owner Occupied", "product_label": "Back to Basics Owner Occupied", "product_url": "https://www.bankwaw.com.au/Loans", "terms_url": "https://www.bankwaw.com.au/Portals/0/Support/Disclosure-Documents/10090%20-%20BankWAW%20-%20Fees%20and%20Charges%20Guide%20(Loan%20Products)%201.11.24.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 1.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 45000.0, "loan_max": 3500000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-10, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "discount for 2 years from settlement, then the Back to Basics standard rate", "introductory rate not for switches from other BankWAW home loans", "introductory rate not for company or trust borrowers", "refinances from another lender: BankWAW establishment, valuation and search fees waived up to $2,200", "refinance fee waiver for applications 1 September 2026 to 31 January 2027 (or until fully subscribed)" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC", "source_snapshot": "/au/finance/home-loans/v1/source/bankwaw/L6_OOCC.json", "bank_last_updated": "2026-10-10T19:39:59.000+11:00" }, { "rank": 21, "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "product_id": "8f169e0c-9488-40fa-97fe-d614ec6bf293", "product_name": "No Frills Owner Occupied Home Loan", "product_label": "No Frills Owner Occupied Home Loan", "product_url": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/", "terms_url": "https://www.capricornian.com.au/documents/conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Australian citizens or permanent residents only", "Minimum loan $150,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293", "source_snapshot": "/au/finance/home-loans/v1/source/the-capricornian/8f169e0c-9488-40fa-97fe-d614ec6bf293.json", "bank_last_updated": "2026-10-08T20:00:00.570333Z" }, { "rank": 22, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "L23_60LVR_OCC_PRIN", "product_name": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_label": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_url": "https://www.unity.bank/home-loans/buy-or-refinance/momentum-home-loan/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "product", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.24, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "special rate for new refinances only; not for refinancing existing Unity Bank loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60LVR_OCC_PRIN", "source_snapshot": "/au/finance/home-loans/v1/source/unity-bank/L23_60LVR_OCC_PRIN.json", "bank_last_updated": "2026-10-06T15:32:45.000+11:00" }, { "rank": 23, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "LN001MBLBAS001", "product_name": "Macquarie Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.macquarie.com.au/home-loans/basic-home-loan.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/home-loans/MBL-Home-Loans-Terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0631, "comparison_rate_pct": 6.31, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.32, "bank": 6.31 }, "restrictions": [], "eligibility": null, "conditions": [ "New loans from $150,000 up to $10,000,000", "Extra repayments on a fixed rate account limited to $10,000 a year; more may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001", "source_snapshot": "/au/finance/home-loans/v1/source/macquarie-bank-limited/LN001MBLBAS001.json", "bank_last_updated": "2026-11-05T00:01:00.001Z" }, { "rank": 24, "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "product_id": "L22-ESSMVR-OOPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0634, "comparison_rate_pct": 6.34, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.33, "bank": 6.34 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOPI-RD.json", "bank_last_updated": "2026-10-21T15:26:59.000+11:00" }, { "rank": 25, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "product_name": "NAB Tailored Home Loan", "product_label": "Tailored Home Loan", "product_url": "https://www.nab.com.au/personal/home-loans", "terms_url": "https://www.nab.com.au/personal/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0642, "comparison_rate_pct": 6.42, "comparison_rate_at_loan_pct": 6.32, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 144.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.42, "bank": 6.42 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Up to 10 offset accounts", "Extra repayments while fixed limited to $20,000 without fees", "Advertised rates are for new home loans" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "source_snapshot": "/au/finance/home-loans/v1/source/national-australia-bank/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a.json", "bank_last_updated": "2026-10-09T13:59:59Z" }, { "rank": 26, "brand": "Fire Service Credit Union", "brand_label": "Fire Service Credit Union", "brand_slug": "fire-service-credit-union", "product_id": "26", "product_name": "L5 Mortgage Insured Home Loan", "product_label": "L5 Mortgage Insured Home Loan", "product_url": "https://www.fscu.com.au/home-loans/first-home-owners-loan/", "terms_url": "https://www.fscu.com.au/home-loans/first-home-owners-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 150000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 521.28, "exit_fees": 589.75, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.35 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Emergency Services employees and their families", "quote": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/26" }, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "restricted membership: Emergency Services employees and their families", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/26", "source_snapshot": "/au/finance/home-loans/v1/source/fire-service-credit-union/26.json", "bank_last_updated": "2026-10-15T06:00:32.5923780Z" }, { "rank": 27, "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "product_id": "3285", "product_name": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_label": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_url": "https://www.greater.com.au/personal/home-loans/great-rate-home-loan", "terms_url": "https://www.greater.com.au/termsandconditions", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 680.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285", "source_snapshot": "/au/finance/home-loans/v1/source/greater-bank/3285.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 28, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "5bc12280-2272-ee11-8179-6045bd3d38f0", "product_name": "Virgin Money Lite Home Loan", "product_label": "Lite Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "comparison_rate_at_loan_pct": 6.34, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.36, "bank": 6.36 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/5bc12280-2272-ee11-8179-6045bd3d38f0.json", "bank_last_updated": "2026-11-05T22:04:49Z" }, { "rank": 29, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "fd4ed454-477c-4723-bda8-8c03e4331393", "product_name": "RateSaver Home Loan", "product_label": "RateSaver Home Loan", "product_url": "https://www.australianmilitarybank.com.au/home-loans/ratesaver-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 120.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.37, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/fd4ed454-477c-4723-bda8-8c03e4331393", "source_snapshot": "/au/finance/home-loans/v1/source/australian-military-bank/fd4ed454-477c-4723-bda8-8c03e4331393.json", "bank_last_updated": "2026-10-14T13:00:00.385045Z" }, { "rank": 30, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "37", "product_name": "Purple Basic Vbl Home Loan", "product_label": "Purple Basic Vbl Home Loan", "product_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "terms_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 445.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$445 application fee covers valuation up to $300; valuation above $300 extra" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/beyond-bank-australia/37.json", "bank_last_updated": "2026-10-12T10:00:30.5134382Z" }, { "rank": 31, "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "product_id": "Premium_Smart_Home_Loan", "product_name": "Premium Smart Home Loan", "product_label": "Premium Smart Home Loan", "product_url": "https://www.cwcu.com.au/lending/home-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 497.0, "exit_fees": 536.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.4 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30" ], "record_stale": true, "record_correction": "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30", "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/central-west-cul/Premium_Smart_Home_Loan.json", "bank_last_updated": "2026-10-29T09:15:50.000+11:00" }, { "rank": 32, "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "product_id": "L2_HL_OwnOccupied", "product_name": "Standard Variable Rate Home Loan", "product_label": "Standard Variable Rate Home Loan", "product_url": "https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/", "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0635, "rate_pct": 6.35, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.35, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Valuation and discharge fees charged at cost" ], "record_stale": false, "record_correction": null, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L2_HL_OwnOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/swsbank/L2_HL_OwnOccupied.json", "bank_last_updated": "2026-11-11T09:45:45.000+11:00" }, { "rank": 33, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "d6a80145-dc64-42da-a8c1-7c1e494fd361", "product_name": "Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bankaust.com.au/banking/home-loans/basic-home-loan", "terms_url": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0638, "rate_pct": 6.38, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": 6.38, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 275.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.38 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum new borrowing $10,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/d6a80145-dc64-42da-a8c1-7c1e494fd361", "source_snapshot": "/au/finance/home-loans/v1/source/bank-australia/d6a80145-dc64-42da-a8c1-7c1e494fd361.json", "bank_last_updated": "2026-10-27T22:30:46.160Z" }, { "rank": 34, "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "product_id": "585", "product_name": "Fair Dinkum Home Loan", "product_label": "Fair Dinkum Home Loan", "product_url": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan", "terms_url": "https://www.racq.com.au/home/home-loans/basic-variable-rate-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "comparison_rate_at_loan_pct": 6.39, "lvr_min": 0.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": false, "redraw": false, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.39 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "80% maximum LVR, 95% with LMI" ], "record_stale": true, "record_correction": null, "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/585", "source_snapshot": "/au/finance/home-loans/v1/source/racq-bank/585.json", "bank_last_updated": "2026-10-12T22:13:30Z" }, { "rank": 35, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "product_name": "Bendigo Express Home Loan", "product_label": "Express Home Loan", "product_url": "https://www.bendigobank.com.au/personal/home-loans/express-home-loan/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0654, "comparison_rate_pct": 6.54, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 1500000.0, "offset": true, "redraw": true, "annual_fee": 120.0, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.52, "bank": 6.54 }, "restrictions": [], "eligibility": null, "conditions": [ "Loan $10,000 to $3 million", "Valuation fees at cost per property: $134.20 electronic, $220 full (under $1m), $440 full (over $1m)", "Rates are for new Express home loans and may differ for existing customers; applied for online", "Australian citizens or permanent residents living in Australia" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "source_snapshot": "/au/finance/home-loans/v1/source/bendigo-bank/01fec5c4-a888-4330-a8cc-4a0a0ac931b5.json", "bank_last_updated": "2026-11-10T13:31:23.996Z" }, { "rank": 36, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "37", "product_name": "Classic Home Loan", "product_label": "Classic Home Loan", "product_url": "https://www.coastline.com.au/personal/home-loans", "terms_url": "https://cdn.sanity.io/files/djf521sf/production/f15ad20494f97551eafb39d8a0424c61ddc1201b.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 96.0, "upfront_fees": 595.0, "exit_fees": 630.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Break costs when switching from, or repaying early during, a fixed rate period" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/coastline-bank/37.json", "bank_last_updated": "2026-10-15T04:00:14.7982475Z" }, { "rank": 37, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "GB-OOPI-LVR80", "product_name": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_label": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_url": "https://www.communityfirst.com.au/products/go-basic-home-loan", "terms_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.41, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 696.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee" ], "record_stale": false, "record_correction": null, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80", "source_snapshot": "/au/finance/home-loans/v1/source/commfcu/GB-OOPI-LVR80.json", "bank_last_updated": "2026-11-10T14:08:48.000+11:00" }, { "rank": 38, "brand": "Arab Bank Australia Limited", "brand_label": "Arab Bank Australia", "brand_slug": "arab-bank-australia-limited", "product_id": "BASICS02", "product_name": "Basics Home Loan Special Offer", "product_label": "Basics Home Loan Special Offer", "product_url": "https://www.arabbank.com.au/personal/home-loans/dont-just-dream", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.43, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.53 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "New customers, or existing customers buying a new owner-occupied property, applying direct (not through a broker or referrer)", "Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BASICS02", "source_snapshot": "/au/finance/home-loans/v1/source/arab-bank-australia-limited/BASICS02.json", "bank_last_updated": "2026-10-12T23:03:31.787099Z" }, { "rank": 39, "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "product_id": "RM-1-1", "product_name": "Budget Home Loan", "product_label": "Budget Home Loan", "product_url": "https://www.imb.com.au/home-loans/living-in/budget-home-loan", "terms_url": "https://www.imb.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0647, "comparison_rate_pct": 6.47, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 1.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 449.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.47 }, "restrictions": [], "eligibility": null, "conditions": [ "Cashback $2,000-$4,000 on new purchase or refinance loans of $250,000+ (not IMB refinances); half repayable if discharged within 12 months", "Discounted variable rate for new applications only; not for refinancing existing IMB loans" ], "record_stale": false, "record_correction": null, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-1", "source_snapshot": "/au/finance/home-loans/v1/source/imb-bank/RM-1-1.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 40, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "HL_realdealPI", "product_name": "Real Deal Home Loan Principal and Interest", "product_label": "Real Deal Home Loan Principal and Interest", "product_url": "https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan", "terms_url": "https://www.newcastlepermanent.com.au/siteassets/documents/terms-conditions-fees-and-charges/mortgage-and-personal-loans/FactSheet_MortgageLoans.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)" ], "record_stale": false, "record_correction": "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)", "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI", "source_snapshot": "/au/finance/home-loans/v1/source/newcastle-permanent/HL_realdealPI.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 41, "brand": "NRMA Home Loans", "brand_label": "NRMA Home Loans", "brand_slug": "nrma-home-loans", "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "product_name": "NRMA Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.nrma.com.au/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 495.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments on fixed loans limited to $20,000 a year without penalty" ], "record_stale": false, "record_correction": null, "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8", "source_snapshot": "/au/finance/home-loans/v1/source/nrma-home-loans/cd514842-f20f-4c6b-b367-de9c3c83f2f8.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 42, "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "product_id": "cca7cbfc-1e70-11f1-8228-325096b39f47", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/", "terms_url": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian education sector employees (current or retired) and their families", "quote": "Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/cca7cbfc-1e70-11f1-8228-325096b39f47" }, "conditions": [ "restricted membership: Australian education sector employees (current or retired) and their families", "Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/cca7cbfc-1e70-11f1-8228-325096b39f47", "source_snapshot": "/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/cca7cbfc-1e70-11f1-8228-325096b39f47.json", "bank_last_updated": "2026-11-11T23:55:02.000+11:00" }, { "rank": 43, "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "product_id": "93861c8c-15fe-439a-b822-7a157db743fe", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.fmbank.com.au/home-loans/your-way", "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "fire and emergency service employees (current or retired), volunteers and their families", "quote": "Firefighters Mutual Bank is for current or retired employees of, or current volunteers with, a fire and/or emergency service and their families, and is completely owned by its members.", "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/93861c8c-15fe-439a-b822-7a157db743fe" }, "conditions": [ "restricted membership: fire and emergency service employees (current or retired), volunteers and their families", "Australian citizens or permanent residents aged 18 or over" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/93861c8c-15fe-439a-b822-7a157db743fe", "source_snapshot": "/au/finance/home-loans/v1/source/firefighters-mutual-bank/93861c8c-15fe-439a-b822-7a157db743fe.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 44, "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "product_id": "f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.hpbank.com.au/home-loans/your-way", "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian health sector employees (current or retired) and their families", "quote": "Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1" }, "conditions": [ "restricted membership: Australian health sector employees (current or retired) and their families" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1", "source_snapshot": "/au/finance/home-loans/v1/source/health-professionals-bank/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 45, "brand": "Teachers Mutual Bank", "brand_label": "Teachers Mutual Bank", "brand_slug": "teachers-mutual-bank", "product_id": "77a3c65c-910d-4b85-a32e-b89708c348c7", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.tmbank.com.au/home-loans/your-way", "terms_url": "https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian education sector employees (current or retired) and their families", "quote": "Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/77a3c65c-910d-4b85-a32e-b89708c348c7" }, "conditions": [ "restricted membership: Australian education sector employees (current or retired) and their families" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/77a3c65c-910d-4b85-a32e-b89708c348c7", "source_snapshot": "/au/finance/home-loans/v1/source/teachers-mutual-bank/77a3c65c-910d-4b85-a32e-b89708c348c7.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 46, "brand": "UniBank", "brand_label": "UniBank", "brand_slug": "unibank", "product_id": "6d4a90dc-f765-43b7-8885-45d5dfa68ab4", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.unibank.com.au/home-loans/your-way", "terms_url": "https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian university staff (current or retired), graduates, students and their families", "quote": "Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4" }, "conditions": [ "restricted membership: Australian university staff (current or retired), graduates, students and their families", "No annual fee on Your Way (the feed's $18.60 a year appears to be the $1.55 monthly paper statement fee)" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4", "source_snapshot": "/au/finance/home-loans/v1/source/unibank/6d4a90dc-f765-43b7-8885-45d5dfa68ab4.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 47, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "83030c82-5966-4078-b05d-31174b7bdac9", "product_name": "Customs Value Home Loan", "product_label": "Customs Value Home Loan", "product_url": "https://www.borderbank.com.au/loans/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.47, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.51 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "serving or retired Border Officers in an associated union", "quote": "Border Value Home Loan only available to current serving Border Officers or a Retired Border Officer(s) who are a member of a Union that is associated with the Border Federation of Australia.", "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9" }, "conditions": [ "restricted membership: serving or retired Border Officers in an associated union" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9", "source_snapshot": "/au/finance/home-loans/v1/source/border-bank/83030c82-5966-4078-b05d-31174b7bdac9.json", "bank_last_updated": "2026-11-11T13:01:23.234Z" }, { "rank": 48, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "e90d86eb-0cba-44f9-84b0-de05030cade4", "product_name": "Police Value Home Loan", "product_label": "Value Home Loan", "product_url": "https://www.policebank.com.au/forms/apply-for-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.47, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.51 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "serving or retired police officers in a Police Federation of Australia union", "quote": "Police Value Home Loan only available to current serving Police Officers or a Retired Police Officer(s) who are a member of a Union that is associated with the Police Federation of Australia.", "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4" }, "conditions": [ "restricted membership: serving or retired police officers in a Police Federation of Australia union" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4", "source_snapshot": "/au/finance/home-loans/v1/source/police-bank/e90d86eb-0cba-44f9-84b0-de05030cade4.json", "bank_last_updated": "2026-11-11T13:01:33.713Z" }, { "rank": 49, "brand": "Up", "brand_label": "Up", "brand_slug": "up", "product_id": "up-home", "product_name": "Up Home Loan", "product_label": "Home Loan", "product_url": "https://up.com.au/home-loans", "terms_url": "https://up.com.au/product-terms/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 7500000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "Up to 50 Savers act as free 100% offset accounts", "Extra repayments on fixed rate loans limited to $30,000", "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on", "For Up customers; applied for and managed in the Up app" ], "record_stale": false, "record_correction": null, "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home", "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json", "bank_last_updated": "2026-11-12T00:00:13+11:00" }, { "rank": 50, "brand": "Tiimely Home", "brand_label": "Tiimely Home", "brand_slug": "tiimely-home", "product_id": "4faad27c-8cea-44d1-89d0-f6351abafa5e", "product_name": "Tiimely Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/tiimely-home/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0646, "comparison_rate_pct": 6.46, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.46, "bank": 6.46 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)", "Minimum loan $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e", "source_snapshot": "/au/finance/home-loans/v1/source/tiimely-home/4faad27c-8cea-44d1-89d0-f6351abafa5e.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 51, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "843", "product_name": "Premier Low Rate", "product_label": "Premier Low Rate", "product_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "terms_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.49 }, "restrictions": [], "eligibility": null, "conditions": [ "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum loan $100,000" ], "record_stale": true, "record_correction": "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/843", "source_snapshot": "/au/finance/home-loans/v1/source/defence-bank/843.json", "bank_last_updated": "2026-10-14T00:00:00.000+11:00" }, { "rank": 52, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "HLVariableFlexiOwnerOccupied", "product_name": "Flexi First: Our lowest online variable home loan rate (Owner Occupied)", "product_label": "Flexi First: Our Lowest Online Variable Home Loan Rate (Owner Occupied)", "product_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "terms_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.5 }, "restrictions": [], "eligibility": null, "conditions": [ "Lowest online rate needs an LVR of 80% or less", "Online rate excludes company and trust borrowers and internal refinances within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableFlexiOwnerOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/westpac/HLVariableFlexiOwnerOccupied.json", "bank_last_updated": "2026-11-13T03:19:55Z" }, { "rank": 53, "brand": "ME Bank - ME Go", "brand_label": "ME Bank", "brand_slug": "me-bank-me-go", "product_id": "cf2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "ME Bank EconoME Home Loan", "product_label": "EconoME Home Loan", "product_url": "https://www.mebank.com.au/home-loans/", "terms_url": "https://www.mebank.com.au/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.51, "bank": 6.51 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only; not internal refinances, top-ups or variations", "$3,000 cashback on refinances from another lender ($700,000+, LVR up to 80%) for applications 28 August 2026 to 7 December 2026" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/cf2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/me-bank-me-go/cf2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T21:53:17Z" }, { "rank": 54, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "210", "product_name": "OMG Home Loan (P&I) LVR<60", "product_label": "OMG Home Loan (P&I) LVR<60", "product_url": "https://www.bcu.com.au/home-loans/owner-occupier/omg-home-loan/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/home-loans-terms--conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0652, "comparison_rate_pct": 6.52, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.52 }, "restrictions": [], "eligibility": null, "conditions": [ "$300 document preparation fee at settlement", "Offset does not reduce interest during a fixed rate period", "Further 0.15% p.a. off when applying online direct: new owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/210", "source_snapshot": "/au/finance/home-loans/v1/source/bcu-bank/210.json", "bank_last_updated": "2026-11-13T00:00:41.2804876Z" }, { "rank": 55, "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "product_id": "L31_L31_10_OO_V_PI", "product_name": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_label": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_url": "https://www.centralmurray.bank/loans/housing-loans/#", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.49, "bank": 6.55, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "$800 loan establishment fee (new property mortgage)", "$350 mortgage discharge fee", "valuation at cost, minimum $300" ], "record_stale": false, "record_correction": "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_L31_10_OO_V_PI", "source_snapshot": "/au/finance/home-loans/v1/source/central-murray-bank/L31_L31_10_OO_V_PI.json", "bank_last_updated": "2026-11-11T10:01:59.000+11:00" }, { "rank": 56, "brand": "Cairns bank", "brand_label": "Cairns Bank", "brand_slug": "cairns-bank", "product_id": "L21_CLASSIC_PI_60", "product_name": "CLASSIC HOME LOAN VARIABLE <60 LVR PI", "product_label": "Classic Home Loan Variable <60 Lvr Pi", "product_url": "https://cairnsbank.com.au/classic-vs-plus/", "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": null, "comparison_rate_pct": null, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 144, "upfront_fees": 300, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.64, "bank": null, "reason": "no bank comparison rate" }, "restrictions": [], "eligibility": null, "conditions": [ "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "$350 discharge fee for a loan secured on freehold property ($100 otherwise)", "$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder" ], "record_stale": false, "record_correction": "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60", "source_snapshot": "/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_60.json", "bank_last_updated": "2026-11-06T07:40:20.000+10:00" }, { "rank": 57, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "cb2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "BOQ Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.boq.com.au/personal/home-loans/myboq-home-loans", "terms_url": "https://www.boq.com.au/content/dam/boq/files/personal/myboq-home-loans/lending-guide-to-fees-and-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0653, "rate_pct": 6.53, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.54, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "Digital loan applied for and managed only in the myBOQ app", "$350 security release fee on discharge; $750 rate lock fee" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/cb2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-queensland-limited/cb2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-08T22:48:54Z" }, { "rank": 58, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "product_id": "f53a58f1-a964-4d9f-aa9d-23fec9148451", "product_name": "Mortgage Simplifier", "product_label": "Mortgage Simplifier", "product_url": "https://www.ing.com.au/home-loans/mortgage-simplifier.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 51.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Rates shown need total borrowings of at least $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/f53a58f1-a964-4d9f-aa9d-23fec9148451", "source_snapshot": "/au/finance/home-loans/v1/source/ing-bank-australia-ltd/f53a58f1-a964-4d9f-aa9d-23fec9148451.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 59, "brand": "MyState Bank", "brand_label": "MyState Bank", "brand_slug": "mystate-bank", "product_id": "fb4d69dc-3c6f-4881-b119-e7ef24574402", "product_name": "Basic Variable Loan", "product_label": "Basic Variable Loan", "product_url": "https://mystate.com.au/home-loans/basic-variable-home-loan/", "terms_url": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 650.0, "exit_fees": 380.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian citizens or permanent residents only", "New loans of $100,000+, LVR under 90% (or 5% Deposit Scheme)", "No establishment fee for owner occupiers ($350 settlement fee still applies); the published $650 includes the $300 investor establishment fee" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/fb4d69dc-3c6f-4881-b119-e7ef24574402", "source_snapshot": "/au/finance/home-loans/v1/source/mystate-bank/fb4d69dc-3c6f-4881-b119-e7ef24574402.json", "bank_last_updated": "2026-11-11T14:00:00.301306Z" }, { "rank": 60, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "524add2a-ea86-4639-b084-abde1082801e", "product_name": "BASIC HOME LOAN", "product_label": "Basic Home Loan", "product_url": "https://auswidebank.com.au/home-loans/compare-home-loans/", "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.58 }, "restrictions": [], "eligibility": null, "conditions": [ "Applicants must be 18 or over and Australian citizens or permanent residents" ], "record_stale": false, "record_correction": null, "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e", "source_snapshot": "/au/finance/home-loans/v1/source/auswide-bank-ltd/524add2a-ea86-4639-b084-abde1082801e.json", "bank_last_updated": "2026-11-12T08:49:55.000+10:00" }, { "rank": 61, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_HL_448", "product_name": "40 Year Home Loan Package", "product_label": "40 Year Home Loan Package", "product_url": "https://www.creditunionsa.com.au/loans/home-loans/40-year-home-loan", "terms_url": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.069, "comparison_rate_pct": 6.9, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395, "upfront_fees": 0, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.9 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "package (annual fee)", "Rate lock fee: the higher of $600 or 0.15% of the loan (fixed rates, up to 90 days)", "$395 annual Home Loan Package fee (no application or settlement fee)", "Not available with the Housing Australia Home Guarantee Scheme" ], "record_stale": false, "record_correction": "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_448", "source_snapshot": "/au/finance/home-loans/v1/source/credit-union-sa/CREDITUNIONSA_HL_448.json", "bank_last_updated": "2026-11-12T00:00:00.000+11:00" }, { "rank": 62, "brand": "BNK Bank (Goldfields Money/BCHL)", "brand_label": "BNK Bank", "brand_slug": "bnk-bank-goldfields-money-bchl", "product_id": "2001", "product_name": "Gold Prime Residential Basic Home Loans", "product_label": "Gold Prime Residential Basic Home Loans", "product_url": "https://www.bnk.com.au/home-loans/", "terms_url": "https://www.bnk.com.au/wp-content/uploads/2025/05/Loan-Contract-Terms-and-Conditions-v7-FEB24-030924.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0655, "rate_pct": 6.55, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 299.0, "upfront_fees": 295.0, "exit_fees": 700.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.84, "bank": 6.58, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/2001", "source_snapshot": "/au/finance/home-loans/v1/source/bnk-bank-goldfields-money-bchl/2001.json", "bank_last_updated": "2026-11-09T01:10:40.974255Z" }, { "rank": 63, "brand": "Qantas Money Basic/Offset Home Loans", "brand_label": "Qantas Money Basic/Offset Home Loans", "brand_slug": "qantas-money-basic-offset-home-loans", "product_id": "40a80249-5ea9-402d-9d43-218a7fd62546", "product_name": "QANTAS Money Basic Home Loan", "product_label": "Money Basic Home Loan", "product_url": "https://www.qantasmoney.com/home-loans", "terms_url": "https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0658, "rate_pct": 6.58, "comparison_rate": 0.0665, "comparison_rate_pct": 6.65, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 300000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 840.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.65, "bank": 6.65 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian residents who are Qantas Frequent Flyer members (every applicant)", "Sole applicants must be employed (PAYG or self-employed)", "Advertised rates are for new loans only", "Established property only: not off the plan or construction", "At least 10% deposit for loans under $2M (90% LVR); 25% above $2M, with no cash-out", "Loans from $300,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546", "source_snapshot": "/au/finance/home-loans/v1/source/qantas-money-basic-offset-home-loans/40a80249-5ea9-402d-9d43-218a7fd62546.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 64, "brand": "AFG Home Loans Alpha", "brand_label": "AFG Home Loans Alpha", "brand_slug": "afg-home-loans-alpha", "product_id": "caca2557-9a23-4a8a-9648-09699d765a3c", "product_name": "AFG Alpha Basic Home Loan", "product_label": "AFG Alpha Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/afg-home-loans-alpha/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments while fixed capped at $20,000; above that or ending the fixed period early may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/caca2557-9a23-4a8a-9648-09699d765a3c", "source_snapshot": "/au/finance/home-loans/v1/source/afg-home-loans-alpha/caca2557-9a23-4a8a-9648-09699d765a3c.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 65, "brand": "Aussie Elevate", "brand_label": "Aussie Elevate", "brand_slug": "aussie-elevate", "product_id": "181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "product_name": "Aussie Elevate Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/aussie-elevate/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)" ], "record_stale": false, "record_correction": null, "source_url": "https://api.aussie.app.bendigobank.com.au/cds-au/v1/banking/products/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "source_snapshot": "/au/finance/home-loans/v1/source/aussie-elevate/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 66, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "c1d7e8ef741e45e5b013fa7d05574e80", "product_name": "Digi Home Loan (Owner Occupied)", "product_label": "Digi Home Loan (Owner Occupied)", "product_url": "https://www.commbank.com.au/content/dam/commbank-assets/home-buying/docs/008-078-digi-home-loan-fact-sheet.pdf", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/utc-home-loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.62, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "existing CommBank home loans cannot switch to Digi", "individuals only (no companies or trusts); online application through NetBank/CommBank app", "online only: apply and manage through NetBank and the CommBank app", "one Everyday Offset account per loan", "no LMI or Low Deposit Premium, so a 20% deposit is needed" ], "record_stale": false, "record_correction": null, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80", "source_snapshot": "/au/finance/home-loans/v1/source/commbank/c1d7e8ef741e45e5b013fa7d05574e80.json", "bank_last_updated": "2026-11-13T01:15:05.000Z" }, { "rank": 67, "brand": "Connective Select", "brand_label": "Connective Select", "brand_slug": "connective-select", "product_id": "6afe8345-df21-4a4c-8017-16ef2dda2c91", "product_name": "Connective Select Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/connective-select/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Break cost fee if more than $20,000 is repaid in a fixed-term year" ], "record_stale": false, "record_correction": null, "source_url": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/6afe8345-df21-4a4c-8017-16ef2dda2c91", "source_snapshot": "/au/finance/home-loans/v1/source/connective-select/6afe8345-df21-4a4c-8017-16ef2dda2c91.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 68, "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "product_id": "11", "product_name": "Neat - OO Variable P&I", "product_label": "Neat - OO Variable P&I", "product_url": "https://www.ubank.com.au/home-loans/neat-variable-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/11", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/11.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "rank": 69, "brand": "Dnister", "brand_label": "Dnister", "brand_slug": "dnister", "product_id": "34", "product_name": "Simple Home Loan Plus", "product_label": "Simple Home Loan Plus", "product_url": "https://www.dnister.com.au/portfolio-items/simple-home-loan-plus/", "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.066, "rate_pct": 6.6, "comparison_rate": 0.0709, "comparison_rate_pct": 7.09, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 200000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 500, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.99, "bank": 7.09, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/34", "source_snapshot": "/au/finance/home-loans/v1/source/dnister/34.json", "bank_last_updated": "2026-11-13T00:00:38.9826984Z" }, { "rank": 70, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "283", "product_name": "Basic Variable HL LVR <60", "product_label": "Basic Variable HL LVR <60", "product_url": "https://www.pnbank.com.au/home-loans/owner-occupied/basic-variable-home-loan/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0663, "rate_pct": 6.63, "comparison_rate": 0.0666, "comparison_rate_pct": 6.66, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.64, "bank": 6.66 }, "restrictions": [], "eligibility": null, "conditions": [ "$650 rate lock-in fee on fixed rates (up to 90 days before funding)", "$300 document preparation fee at settlement", "Further 0.30% p.a. off when applying online direct: owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/283", "source_snapshot": "/au/finance/home-loans/v1/source/p-n-bank/283.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z" }, { "rank": 71, "brand": "AMP - My AMP", "brand_label": "AMP Bank", "brand_slug": "amp-my-amp", "product_id": "AMP_ESSENTIAL_HL", "product_name": "AMP Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.amp.com.au/home-loans/interest-rates-fees", "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.69, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 250000.0, "loan_max": 749999.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 490.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.7, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed", "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)", "Loan between $250,000 and $2 million, borrowing 80% or less of the property's value", "PAYG salary earners, or self-employed trading at least 2 years" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL", "source_snapshot": "/au/finance/home-loans/v1/source/amp-my-amp/AMP_ESSENTIAL_HL.json", "bank_last_updated": "2026-11-06T00:00:00.000Z" }, { "rank": 72, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "a89c13433bc142f9a6c659dcc1961abd", "product_name": "Bankwest Simple Home Loan", "product_label": "Simple Home Loan", "product_url": "https://www.bankwest.com.au/home-loans/variable-rate", "terms_url": "https://www.bankwest.com.au/home-loans/variable-rate", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.7, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 695.0, "exit_fees": 338.2, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "$0 application fee (usually $695)", "$10 a month per linked offset account" ], "record_stale": false, "record_correction": null, "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/a89c13433bc142f9a6c659dcc1961abd", "source_snapshot": "/au/finance/home-loans/v1/source/bankwest/a89c13433bc142f9a6c659dcc1961abd.json", "bank_last_updated": "2026-11-13T11:37:24.000Z" }, { "rank": 73, "brand": "ANZ Plus", "brand_label": "ANZ Plus", "brand_slug": "anz-plus", "product_id": "HLVAR01", "product_name": "ANZ Plus Home Loan Variable", "product_label": "Home Loan Variable", "product_url": "https://www.anz.com.au/plus/digital-home-loans/", "terms_url": "https://anz.com/plus/homeloantncs", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0675, "rate_pct": 6.75, "comparison_rate": 0.0675, "comparison_rate_pct": 6.75, "comparison_rate_at_loan_pct": 6.75, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 2000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.75 }, "restrictions": [], "eligibility": null, "conditions": [ "Refinance only: for an existing home loan of $10,000 to $2,000,000", "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income", "Properties in Tasmania and the Northern Territory not accepted", "Apply for and manage the loan in the ANZ Plus app only", "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying", "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only", "Applicants must not be a guarantor on any other loan" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01", "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json", "bank_last_updated": "2026-11-12T13:00:00.000Z" }, { "rank": 74, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian resident borrowers", "Promotional rate for new loans only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-melbourne/BOMHLBasic.json", "bank_last_updated": "2026-11-13T03:54:07Z" }, { "rank": 75, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSAHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "not available to non-Australian-resident borrowers", "promotional rate for new Basic loans only; excludes internal refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/banksa/BSAHLBasic.json", "bank_last_updated": "2026-11-13T03:54:08Z" }, { "rank": 76, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian-resident borrowers", "Promotional rate for new owner-occupier applications only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/st-george-bank/STGHLBasic.json", "bank_last_updated": "2026-11-13T03:54:05Z" }, { "rank": 77, "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "product_id": "Intelligent_Mortgage_Variable", "product_name": "Intelligent Mortgage Variable", "product_label": "Intelligent Mortgage Variable", "product_url": "https://lcu.com.au/product/intelligent-mortgage-variable", "terms_url": "https://lcu.com.au/disclosure-documents", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0685, "rate_pct": 6.85, "comparison_rate": 0.0687, "comparison_rate_pct": 6.87, "comparison_rate_at_loan_pct": 6.85, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 3000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.87, "bank": 6.87 }, "restrictions": [], "eligibility": null, "conditions": [ "80% LVR without LMI; up to 95% with lenders mortgage insurance" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable", "source_snapshot": "/au/finance/home-loans/v1/source/laboratories-credit-union/Intelligent_Mortgage_Variable.json", "bank_last_updated": "2026-11-06T11:03:29.000+11:00" }, { "rank": 78, "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "product_name": "ESSENTIAL HOME LOAN", "product_label": "Essential Home Loan", "product_url": "https://www.ddbank.com.au/home-loans/essential-plus-loan/", "terms_url": "https://www.ddbank.com.au/loans/home-loans/essential-plus-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0679, "comparison_rate_pct": 6.79, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1067.0, "exit_fees": 542.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.98, "bank": 6.79, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Mortgage release fee $275 per request", "$45 for a staff-assisted redraw (online $0); minimum redraw $1,000" ], "record_stale": false, "record_correction": null, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "source_snapshot": "/au/finance/home-loans/v1/source/darling-downs-bank/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST.json", "bank_last_updated": "2026-11-13T09:47:38.000+10:00" }, { "rank": 79, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "544ad5cb-7e52-4a30-b1d7-a080abafbfac", "product_name": "ANZ Simplicity PLUS", "product_label": "Simplicity PLUS", "product_url": "https://www.anz.com.au/personal/home-loans/basic-variable/?CID=af:obank:hl", "terms_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/consumer-lending-tc.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0689, "comparison_rate_pct": 6.89, "comparison_rate_at_loan_pct": 6.89, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.89 }, "restrictions": [], "eligibility": null, "conditions": [ "Settlement, production and lodgement fees ($160 each) and $50 search fee are not charged when the loan is set up", "Minimum new loan $20,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac", "source_snapshot": "/au/finance/home-loans/v1/source/anz/544ad5cb-7e52-4a30-b1d7-a080abafbfac.json", "bank_last_updated": "2026-11-12T13:01:00.000Z" }, { "rank": 80, "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "product_id": "L35LOWLVROOCPI", "product_name": "LOW LVR OOC P&I", "product_label": "Low Lvr Ooc P&i", "product_url": "https://themaccu.com.au/home-loans/all-home-loans/", "terms_url": "https://themaccu.com.au/support/rates-fees/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0699, "rate_pct": 6.99, "comparison_rate": 0.0706, "comparison_rate_pct": 7.06, "comparison_rate_at_loan_pct": 7.0, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.02, "bank": 7.06 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Maximum LVR 70%" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L35LOWLVROOCPI", "source_snapshot": "/au/finance/home-loans/v1/source/the-mac/L35LOWLVROOCPI.json", "bank_last_updated": "2026-11-02T09:55:53.000+11:00" }, { "rank": 81, "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "product_id": "690e034e-a1c5-4aea-ba09-830b86a129b6", "product_name": "Debt consolidation home loan", "product_label": "Debt Consolidation Home Loan", "product_url": "https://liberty.com.au/home-loans/debt-consolidation-home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "any", "repayment": "principal_and_interest", "rate": 0.0709, "rate_pct": 7.09, "comparison_rate": 0.0736, "comparison_rate_pct": 7.36, "comparison_rate_at_loan_pct": 7.16, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 10000000.0, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": null, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.35, "bank": 7.36 }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "refinancing only", "$995 fee and higher rate for company/trust borrowers or investors with 4+ properties", "0.25% rate loading for loan terms over 30 years" ], "record_stale": false, "record_correction": null, "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/690e034e-a1c5-4aea-ba09-830b86a129b6", "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/690e034e-a1c5-4aea-ba09-830b86a129b6.json", "bank_last_updated": "2026-11-13T00:00:00Z" }, { "rank": 82, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "406acd2d-821f-41fa-b658-f4011722355b", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.peoplefirstbank.com.au/loans/home-loans/owner-occupier-home-loans/basic-variable-home-loan", "terms_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0843, "rate_pct": 8.43, "comparison_rate": 0.0843, "comparison_rate_pct": 8.43, "comparison_rate_at_loan_pct": 8.43, "lvr_min": 0.0, "lvr_max": 95.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": 2000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.43, "bank": 8.43 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-29, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Every offset account holder must be a borrower on the loan" ], "record_stale": true, "record_correction": null, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/406acd2d-821f-41fa-b658-f4011722355b", "source_snapshot": "/au/finance/home-loans/v1/source/people-first-and-heritage-bank/406acd2d-821f-41fa-b658-f4011722355b.json", "bank_last_updated": "2026-10-29T18:35:23.444Z" }, { "rank": 83, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "4200-0211", "product_name": "Basic Variable OO P&I", "product_label": "Basic Variable OO P&I", "product_url": "https://www.greatsouthernbank.com.au/home-loans/basic-variable", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.085, "rate_pct": 8.5, "comparison_rate": 0.066, "comparison_rate_pct": 6.6, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 600.0, "exit_fees": 500.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 8.55, "bank": 6.6, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "$235 security administration fee per security on top of the $600 establishment fee", "Discounted rates for new loans of $100,000+ or switches with $10,000+ new borrowing approved from 11 November 2026" ], "record_stale": false, "record_correction": null, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0211", "source_snapshot": "/au/finance/home-loans/v1/source/great-southern-bank/4200-0211.json", "bank_last_updated": "2026-11-10T14:00:01.00000Z" }, { "rank": 84, "brand": "BOQ Specialist", "brand_label": "BOQ Specialist", "brand_slug": "boq-specialist", "product_id": "8a906e88-5c03-ee11-8f6e-00224814d330", "product_name": "Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.boqspecialist.com.au/personal-banking/home-loans/basic-homeloan", "terms_url": "https://www.boqspecialist.com.au/personal-banking/home-loans/basic-homeloan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0852, "rate_pct": 8.52, "comparison_rate": 0.087, "comparison_rate_pct": 8.7, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 120.0, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 8.62, "bank": 8.7, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "medical, dental, veterinary and accounting professionals", "quote": "Product is offered to medical, dental ,veterinary & accounting professionals only", "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/8a906e88-5c03-ee11-8f6e-00224814d330" }, "conditions": [ "restricted membership: medical, dental, veterinary and accounting professionals" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/8a906e88-5c03-ee11-8f6e-00224814d330", "source_snapshot": "/au/finance/home-loans/v1/source/boq-specialist/8a906e88-5c03-ee11-8f6e-00224814d330.json", "bank_last_updated": "2026-11-04T20:55:30Z" }, { "rank": 85, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Standard_Home_Loan", "product_name": "Standard Home Loan", "product_label": "Standard Home Loan", "product_url": "https://www.themutual.com.au/borrow/home-loans/standard-home-loan/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0888, "rate_pct": 8.88, "comparison_rate": 0.0891, "comparison_rate_pct": 8.91, "comparison_rate_at_loan_pct": 8.89, "lvr_min": 0.0, "lvr_max": 95.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.92, "bank": 8.91 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/maitland-mutual-limited/Standard_Home_Loan.json", "bank_last_updated": "2026-10-14T08:38:10.000+11:00" }, { "rank": 86, "brand": "Judo Bank", "brand_label": "Judo Bank", "brand_slug": "judo-bank", "product_id": "63e5a9e5-f73c-434a-9221-f6f1574e45dd", "product_name": "Home Loan", "product_label": "Home Loan", "product_url": "https://www.judo.bank/home-loan", "terms_url": "https://www.judo.bank/home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0915, "rate_pct": 9.15, "comparison_rate": 0.0917, "comparison_rate_pct": 9.17, "comparison_rate_at_loan_pct": 9.17, "lvr_min": 0.0, "lvr_max": 100.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": 20000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 900.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.22, "bank": 9.17 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/63e5a9e5-f73c-434a-9221-f6f1574e45dd", "source_snapshot": "/au/finance/home-loans/v1/source/judo-bank/63e5a9e5-f73c-434a-9221-f6f1574e45dd.json", "bank_last_updated": "2026-11-10T22:11:33.306088Z" } ], "entries_all": [ { "rank": 1, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUL30V_OO", "product_name": "Value Home Loan - Owner Occupied", "product_label": "Value Home Loan - Owner Occupied", "product_url": "https://www.nicu.com.au/home-loans/value-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0598, "comparison_rate_pct": 5.98, "comparison_rate_at_loan_pct": 5.94, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 500000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 5.94, "bank": 5.98 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "new loans only", "Minimum loan $500,000" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-11-10; the bank's rise after the Reserve Bank's 4 November decision applies to existing variable loans from 18 November, not this new-lending rate", "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL30V_OO", "source_snapshot": "/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL30V_OO.json", "bank_last_updated": "2026-06-03T10:22:18.000+10:00" }, { "rank": 2, "brand": "Broken Hill Bank", "brand_label": "Broken Hill Bank", "brand_slug": "broken-hill-bank", "product_id": "54", "product_name": "Choice Home Loan", "product_label": "Choice Home Loan", "product_url": "https://brokenhill.bank/choice-home-loan", "terms_url": "https://brokenhill.bank/choice-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0594, "rate_pct": 5.94, "comparison_rate": 0.0599, "comparison_rate_pct": 5.99, "comparison_rate_at_loan_pct": 5.96, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1005.0, "exit_fees": 774.02, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.02, "bank": 5.99 }, "restrictions": [], "eligibility": null, "conditions": [ "matched the bank's website on 2026-10-16", "Australian citizens or permanent residents only", "new loans: purchases or refinances from another lender; existing customers only by adding $50,000", "minimum property value $300,000; not for construction or bridging loans" ], "record_stale": false, "record_correction": "matched the bank's website on 2026-10-16", "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/54", "source_snapshot": "/au/finance/home-loans/v1/source/broken-hill-bank/54.json", "bank_last_updated": "2026-09-14T08:00:17.2969966Z" }, { "rank": 3, "brand": "MoveBank", "brand_label": "MoveBank", "brand_slug": "movebank", "product_id": "3b68aefd-3bd6-4674-940a-137fb97563bb", "product_name": "Everyday Home Loan", "product_label": "Everyday Home Loan", "product_url": "https://move.bank/loans/home-loans", "terms_url": "https://move.bank/about-us/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0609, "rate_pct": 6.09, "comparison_rate": 0.0615, "comparison_rate_pct": 6.15, "comparison_rate_at_loan_pct": 6.1, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 3000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 700.0, "exit_fees": 450.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.15, "bank": 6.15 }, "restrictions": [], "eligibility": null, "conditions": [ "Must be a MoveBank member to apply", "Advertised rate needs $1,500 a month credited to a MoveBank transaction account", "$700 establishment fee, including one standard valuation up to $205", "$450 discharge fee", "$100,000 to $3,000,000", "Up to 95% with LMI (data shows 90%)" ], "record_stale": false, "record_correction": null, "source_url": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/3b68aefd-3bd6-4674-940a-137fb97563bb", "source_snapshot": "/au/finance/home-loans/v1/source/movebank/3b68aefd-3bd6-4674-940a-137fb97563bb.json", "bank_last_updated": "2026-11-12T14:20:14.36022Z" }, { "rank": 4, "brand": "Unloan", "brand_label": "Unloan", "brand_slug": "unloan", "product_id": "8250def8-24f4-411c-80a5-e71f54cf5823", "product_name": "Unloan Home Loan", "product_label": "Home Loan", "product_url": "https://www.unloan.com.au/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0605, "comparison_rate_pct": 6.05, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": null, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.14, "bank": 6.05, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates shown are for new loans only", "Borrow up to 90% of the property value without LMI (higher rate above 80%)" ], "record_stale": true, "record_correction": null, "source_url": "https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823", "source_snapshot": "/au/finance/home-loans/v1/source/unloan/8250def8-24f4-411c-80a5-e71f54cf5823.json", "bank_last_updated": "2026-10-15T20:40:21.758226Z" }, { "rank": 5, "brand": "Gateway Bank", "brand_label": "Gateway Bank", "brand_slug": "gateway-bank", "product_id": "99", "product_name": "Low Rate Essentials", "product_label": "Low Rate Essentials", "product_url": "https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/", "terms_url": "https://www.gatewaybank.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0616, "comparison_rate_pct": 6.16, "comparison_rate_at_loan_pct": 6.14, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.14, "bank": 6.16 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Rates quoted are for new lending only", "$7.50 for a redraw not done through Online Banking; minimum redraw $500" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99", "source_snapshot": "/au/finance/home-loans/v1/source/gateway-bank/99.json", "bank_last_updated": "2026-10-13T02:00:31.5908395Z" }, { "rank": 6, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "14b17326-4145-4e2d-b808-5bb877b3267e", "product_name": "Regional Australia Bank Home Loan (Non Offset)", "product_label": "Home Loan (Non Offset)", "product_url": "https://www.regionalaustraliabank.com.au/home-loans/regional-australia-bank-home-loan", "terms_url": "https://www.regionalaustraliabank.com.au/getContentAsset/d767dfb3-2c2c-42ab-a933-e9a682c20c19/3beffb48-3dfa-48f3-8905-aded8557907a/TMD_HL009-Home-Loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0617, "comparison_rate_pct": 6.17, "comparison_rate_at_loan_pct": 6.15, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 500.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 225.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.16, "bank": 6.17 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/14b17326-4145-4e2d-b808-5bb877b3267e", "source_snapshot": "/au/finance/home-loans/v1/source/regional-australia-bank/14b17326-4145-4e2d-b808-5bb877b3267e.json", "bank_last_updated": "2026-10-22T23:04:31.37502Z" }, { "rank": 7, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "78", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://summerland.com.au/my-banking/home-loans/basic-home-loan", "terms_url": "https://www.summerland.com.au/loans-fees-charges", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.062, "comparison_rate_pct": 6.2, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 30000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 700, "exit_fees": 395, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.28, "bank": 6.2, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "$225 settlement fee when refinancing in from another lender (waived for Premium)", "Establishment and monthly fees free only under the Special Offer (new loans of $150,000+, P&I, within LVR limits); otherwise $300 establishment and $8 a month" ], "record_stale": false, "record_correction": "fees per the bank's schedule of 1 October 2026: $300 establishment and a $400 standard valuation (the feed says $300), and \"Discharge of Mortgage preparation $395\" (checked 2026-11-01)", "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/78", "source_snapshot": "/au/finance/home-loans/v1/source/summerland-bank/78.json", "bank_last_updated": "2026-11-13T00:00:40.5826068Z" }, { "rank": 8, "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "product_id": "L79_REFI_SPECIAL_OO", "product_name": "REFI SPECIAL OWNER OCCUPIED", "product_label": "Refi Special Owner Occupied", "product_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "terms_url": "https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 10000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 395, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.17, "bank": 6.24, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "refinancing only", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $395: the bank's pages say \"Establishment Fee : $395 plus associated Legal and Valuation fees (at cost)\" (checked 2026-11-13); the feed lists it under a name we did not count", "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_REFI_SPECIAL_OO", "source_snapshot": "/au/finance/home-loans/v1/source/tmcu/L79_REFI_SPECIAL_OO.json", "bank_last_updated": "2026-11-12T09:05:24.000+11:00" }, { "rank": 9, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "COMPLETE_PACKAGE_HOME_LOAN", "product_name": "COMPLETE PACKAGE HOME LOAN", "product_label": "Complete Package Home Loan", "product_url": "https://firstoptionbank.com.au/loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.23, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 375.0, "upfront_fees": null, "exit_fees": 175.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.49 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "No set-up fee for owner-occupied loans, but third-party legal and valuation costs above $1,000 are passed on (investment loans: $400 admin fee plus costs)" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/first-option-bank/COMPLETE_PACKAGE_HOME_LOAN.json", "bank_last_updated": "2026-11-12T10:54:39.000+11:00" }, { "rank": 10, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "L2_HomeLoan", "product_name": "Home Sweet Home Loan", "product_label": "Home Sweet Home Loan", "product_url": "https://horizonbank.com.au/loans/owner-occupied-loan/home-sweet-home-loan/", "terms_url": "https://horizonbank.com.au/about-us/corporate-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0614, "rate_pct": 6.14, "comparison_rate": 0.0685, "comparison_rate_pct": 6.85, "comparison_rate_at_loan_pct": null, "lvr_min": 0.01, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 150, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.3, "bank": 6.85, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "Advertised rate includes a 0.60% p.a. honeymoon discount for the first 2 years", "Special discount rate for new business only" ], "record_stale": false, "record_correction": "annual fee $150: the bank's page gives \"Offset account fee $150 p.a.\" (optional) beside \"Annual fee $150\" (checked 2026-11-05); the feed's total counted both", "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan", "source_snapshot": "/au/finance/home-loans/v1/source/horizon-bank/L2_HomeLoan.json", "bank_last_updated": "2026-11-04T10:58:53.000+11:00" }, { "rank": 11, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "10391363", "product_name": "Discount Home Loan (With Principal and Interest Repayment)", "product_label": "Discount Home Loan (With Principal and Interest Repayment)", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "correction", "loan_min": 250000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.18, "bank": 6.38, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "new borrowers only; not for switching an existing Bank of China loan", "applications by 31 December 2026, settled before 31 March 2027" ], "record_stale": true, "record_correction": "6.18% for 80% LVR and below only, per the bank's offer page on 2026-10-31 (7.94% above 80%); the feed gives both rates up to 90%", "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-china/10391363.json", "bank_last_updated": "2026-10-08T06:00:00.000+11:00" }, { "rank": 12, "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "BROKER_HOME_LOAN", "product_name": "BROKER HOME LOAN", "product_label": "Broker Home Loan", "product_url": "https://www.sccu.com.au/home-loans/", "terms_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Home-Loan-and-Personal-Loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0618, "rate_pct": 6.18, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.28, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": 6000000.0, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 430.0, "exit_fees": 150.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.53 }, "restrictions": [ "broker_only" ], "eligibility": null, "conditions": [ "through a broker only", "Advertised rates for new loans only", "Fixed-rate break costs waived on extra repayments up to $10,000 a year" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BROKER_HOME_LOAN", "source_snapshot": "/au/finance/home-loans/v1/source/southern-cross-credit-union/BROKER_HOME_LOAN.json", "bank_last_updated": "2026-11-13T10:29:41.000+11:00" }, { "rank": 13, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "TopLineOO", "product_name": "TOPLINE HOME LOAN", "product_label": "Topline Home Loan", "product_url": "https://bankofus.com.au/home-loans", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.01, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 675.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.24 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/TopLineOO", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-us/TopLineOO.json", "bank_last_updated": "2026-10-15T09:40:53.000+11:00" }, { "rank": 14, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "product_id": "L6_Special_Variable_Home_Loan_IC88", "product_name": "Home Loan Special Variable Rate", "product_label": "Home Loan Special Variable Rate", "product_url": "https://www.bankvic.com.au/home-buying/upgrade-refinance", "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0624, "comparison_rate_pct": 6.24, "comparison_rate_at_loan_pct": 6.25, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 600, "exit_fees": 295.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.24 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "police, emergency services, health and government workers and their families", "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "source_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions" }, "conditions": [ "set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again", "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "LVR not stated; ranked at 80% LVR and below only", "members only: police, emergency services, health and government workers and their families", "Valuation outside metro areas or interstate may cost up to $1,000", "Special offer rate only for new borrowings and refinances into BankVic; no offset", "Up to 80% LVR without LMI, up to 90% with LMI" ], "record_stale": true, "record_correction": "set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again", "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Special_Variable_Home_Loan_IC88", "source_snapshot": "/au/finance/home-loans/v1/source/bankvic/L6_Special_Variable_Home_Loan_IC88.json", "bank_last_updated": "2026-10-13T07:20:23.000+11:00" }, { "rank": 15, "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "product_id": "LBSUB60OOPI_V1", "product_name": "liteBlue O/Occ P+I (up to 60%LVR)", "product_label": "liteBlue O/Occ P+I (Up to 60%LVR)", "product_url": "https://www.humebank.com.au/personal/home-loans/liteblue-variable-rate-home-loan", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.25, "bank": 6.25 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$199 application fee" ], "record_stale": true, "record_correction": null, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/LBSUB60OOPI_V1", "source_snapshot": "/au/finance/home-loans/v1/source/hume-bank/LBSUB60OOPI_V1.json", "bank_last_updated": "2026-10-14T09:01:23.000+11:00" }, { "rank": 16, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "f1f4dfec-268b-4d8f-b177-33311c33cef5", "product_name": "Discount Variable - Owner Occupied", "product_label": "Discount Variable - Owner Occupied", "product_url": "https://www.heritage.com.au/loans/home-loans/variable-interest-rate/discount-variable-rate", "terms_url": "https://www.heritage.com.au/-/media/m/publications/rates/lending-schedule-of-fees.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": 699999.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 345.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.25, "bank": 6.25 }, "restrictions": [ "broker_only" ], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Heritage Bank branded loans only through mortgage brokers, not in branch or online", "Rates are for new loans only, not switches or internal refinances", "Maximum LVR 95%" ], "record_stale": true, "record_correction": null, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/f1f4dfec-268b-4d8f-b177-33311c33cef5", "source_snapshot": "/au/finance/home-loans/v1/source/people-first-and-heritage-bank/f1f4dfec-268b-4d8f-b177-33311c33cef5.json", "bank_last_updated": "2026-10-12T14:01:48.257Z" }, { "rank": 17, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "product_id": "15", "product_name": "Home Loan-Package", "product_label": "Home Loan-Package", "product_url": "https://www.queenslandcountry.bank/Banking/home-loans/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0625, "comparison_rate_pct": 6.25, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.59, "bank": 6.25, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "package (annual fee)", "Package needs total borrowings of at least $100,000" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15", "source_snapshot": "/au/finance/home-loans/v1/source/queensland-country-bank/15.json", "bank_last_updated": "2026-11-13T00:00:23.8091263Z" }, { "rank": 18, "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "product_id": "ClassicHomeLoan", "product_name": "Classic Home Loan", "product_label": "Classic Home Loan", "product_url": "https://qbank.com.au/loans-credit-cards/home-loans/home-loan-options/", "terms_url": "https://www.qbank.com.au/other-content/general-information-terms-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0626, "comparison_rate_pct": 6.26, "comparison_rate_at_loan_pct": 6.26, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 895.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.3, "bank": 6.26 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Queensland police, health, ambulance, fire, corrective services and government workers, and their relatives", "quote": "Membership Eligibility Queensland Police Service Employees Queensland Health Employees", "source_url": "https://qbank.com.au/membership/who-can-join/" }, "conditions": [ "membership limited to Queensland police, health, ambulance, fire, corrective services and government workers, and their relatives", "Special offer and fixed rates need a salary credit of at least $1,500 a month into a QBANK transaction account" ], "record_stale": false, "record_correction": null, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/ClassicHomeLoan", "source_snapshot": "/au/finance/home-loans/v1/source/qbank/ClassicHomeLoan.json", "bank_last_updated": "2026-11-12T22:01:11.000+10:00" }, { "rank": 19, "brand": "Bank of Sydney", "brand_label": "Bank of Sydney", "brand_slug": "bank-of-sydney", "product_id": "bosbasic_oo", "product_name": "BOS Basic Home Loan Owner Occupied", "product_label": "BOS Basic Home Loan Owner Occupied", "product_url": "https://www.banksyd.com.au/bos-basic-home-loan", "terms_url": "https://www.banksyd.com.au/important-product-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0628, "comparison_rate_pct": 6.28, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.26, "bank": 6.28 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "advertised rates for new loans up to 95% LVR only; not internal refinances, switches, bridging or construction", "legal fee $250, plus $100 per additional security", "valuation covered up to $420; any amount above is extra" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/bosbasic_oo", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-sydney/bosbasic_oo.json", "bank_last_updated": "2026-10-16T04:16:49Z" }, { "rank": 20, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "product_name": "Basic Home Loan Variable LVR<60%", "product_label": "Basic Home Loan Variable LVR<60%", "product_url": "https://www.bankfirst.com.au/loans/home-loans/basic-home-loan-owner-occupied", "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/0EZVG/original/tc_part_a", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Advertised rates apply to new lending only" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "source_snapshot": "/au/finance/home-loans/v1/source/bank-first/0e9a7d6f-5887-460e-89ee-b09cbe2e8526.json", "bank_last_updated": "2026-10-15T20:31:54.243317Z" }, { "rank": 21, "brand": "bankWAW", "brand_label": "BankWAW", "brand_slug": "bankwaw", "product_id": "L6_OOCC", "product_name": "Back to Basics Owner Occupied", "product_label": "Back to Basics Owner Occupied", "product_url": "https://www.bankwaw.com.au/Loans", "terms_url": "https://www.bankwaw.com.au/Portals/0/Support/Disclosure-Documents/10090%20-%20BankWAW%20-%20Fees%20and%20Charges%20Guide%20(Loan%20Products)%201.11.24.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 1.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 45000.0, "loan_max": 3500000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-10, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "discount for 2 years from settlement, then the Back to Basics standard rate", "introductory rate not for switches from other BankWAW home loans", "introductory rate not for company or trust borrowers", "refinances from another lender: BankWAW establishment, valuation and search fees waived up to $2,200", "refinance fee waiver for applications 1 September 2026 to 31 January 2027 (or until fully subscribed)" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC", "source_snapshot": "/au/finance/home-loans/v1/source/bankwaw/L6_OOCC.json", "bank_last_updated": "2026-10-10T19:39:59.000+11:00" }, { "rank": 22, "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "product_id": "8f169e0c-9488-40fa-97fe-d614ec6bf293", "product_name": "No Frills Owner Occupied Home Loan", "product_label": "No Frills Owner Occupied Home Loan", "product_url": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/", "terms_url": "https://www.capricornian.com.au/documents/conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.25, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.29, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Australian citizens or permanent residents only", "Minimum loan $150,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293", "source_snapshot": "/au/finance/home-loans/v1/source/the-capricornian/8f169e0c-9488-40fa-97fe-d614ec6bf293.json", "bank_last_updated": "2026-10-08T20:00:00.570333Z" }, { "rank": 23, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "L23_60LVR_OCC_PRIN", "product_name": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_label": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_url": "https://www.unity.bank/home-loans/buy-or-refinance/momentum-home-loan/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0624, "rate_pct": 6.24, "comparison_rate": 0.0629, "comparison_rate_pct": 6.29, "comparison_rate_at_loan_pct": 6.24, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "product", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.24, "bank": 6.29 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "special rate for new refinances only; not for refinancing existing Unity Bank loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60LVR_OCC_PRIN", "source_snapshot": "/au/finance/home-loans/v1/source/unity-bank/L23_60LVR_OCC_PRIN.json", "bank_last_updated": "2026-10-06T15:32:45.000+11:00" }, { "rank": 24, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "LN001MBLBAS001", "product_name": "Macquarie Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.macquarie.com.au/home-loans/basic-home-loan.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/home-loans/MBL-Home-Loans-Terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0631, "comparison_rate_pct": 6.31, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 10000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.32, "bank": 6.31 }, "restrictions": [], "eligibility": null, "conditions": [ "New loans from $150,000 up to $10,000,000", "Extra repayments on a fixed rate account limited to $10,000 a year; more may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001", "source_snapshot": "/au/finance/home-loans/v1/source/macquarie-bank-limited/LN001MBLBAS001.json", "bank_last_updated": "2026-11-05T00:01:00.001Z" }, { "rank": 25, "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "product_id": "L22-ESSMVR-OOPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0634, "comparison_rate_pct": 6.34, "comparison_rate_at_loan_pct": 6.3, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.33, "bank": 6.34 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "record_stale": true, "record_correction": null, "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOPI-RD.json", "bank_last_updated": "2026-10-21T15:26:59.000+11:00" }, { "rank": 26, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "product_name": "NAB Tailored Home Loan", "product_label": "Tailored Home Loan", "product_url": "https://www.nab.com.au/personal/home-loans", "terms_url": "https://www.nab.com.au/personal/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0642, "comparison_rate_pct": 6.42, "comparison_rate_at_loan_pct": 6.32, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 144.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.42, "bank": 6.42 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Up to 10 offset accounts", "Extra repayments while fixed limited to $20,000 without fees", "Advertised rates are for new home loans" ], "record_stale": true, "record_correction": null, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "source_snapshot": "/au/finance/home-loans/v1/source/national-australia-bank/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a.json", "bank_last_updated": "2026-10-09T13:59:59Z" }, { "rank": 27, "brand": "Fire Service Credit Union", "brand_label": "Fire Service Credit Union", "brand_slug": "fire-service-credit-union", "product_id": "26", "product_name": "L5 Mortgage Insured Home Loan", "product_label": "L5 Mortgage Insured Home Loan", "product_url": "https://www.fscu.com.au/home-loans/first-home-owners-loan/", "terms_url": "https://www.fscu.com.au/home-loans/first-home-owners-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 150000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 521.28, "exit_fees": 589.75, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.35 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Emergency Services employees and their families", "quote": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/26" }, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "restricted membership: Emergency Services employees and their families", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/26", "source_snapshot": "/au/finance/home-loans/v1/source/fire-service-credit-union/26.json", "bank_last_updated": "2026-10-15T06:00:32.5923780Z" }, { "rank": 28, "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "product_id": "3285", "product_name": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_label": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_url": "https://www.greater.com.au/personal/home-loans/great-rate-home-loan", "terms_url": "https://www.greater.com.au/termsandconditions", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 680.0, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285", "source_snapshot": "/au/finance/home-loans/v1/source/greater-bank/3285.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 29, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "5bc12280-2272-ee11-8179-6045bd3d38f0", "product_name": "Virgin Money Lite Home Loan", "product_label": "Lite Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "comparison_rate_at_loan_pct": 6.34, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.36, "bank": 6.36 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/5bc12280-2272-ee11-8179-6045bd3d38f0.json", "bank_last_updated": "2026-11-05T22:04:49Z" }, { "rank": 30, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "fd4ed454-477c-4723-bda8-8c03e4331393", "product_name": "RateSaver Home Loan", "product_label": "RateSaver Home Loan", "product_url": "https://www.australianmilitarybank.com.au/home-loans/ratesaver-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 120.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.37, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/fd4ed454-477c-4723-bda8-8c03e4331393", "source_snapshot": "/au/finance/home-loans/v1/source/australian-military-bank/fd4ed454-477c-4723-bda8-8c03e4331393.json", "bank_last_updated": "2026-10-14T13:00:00.385045Z" }, { "rank": 31, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "37", "product_name": "Purple Basic Vbl Home Loan", "product_label": "Purple Basic Vbl Home Loan", "product_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "terms_url": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.0637, "comparison_rate_pct": 6.37, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 150000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 445.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.37 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$445 application fee covers valuation up to $300; valuation above $300 extra" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/beyond-bank-australia/37.json", "bank_last_updated": "2026-10-12T10:00:30.5134382Z" }, { "rank": 32, "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "product_id": "Premium_Smart_Home_Loan", "product_name": "Premium Smart Home Loan", "product_label": "Premium Smart Home Loan", "product_url": "https://www.cwcu.com.au/lending/home-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0634, "rate_pct": 6.34, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_rate_at_loan_pct": 6.35, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 497.0, "exit_fees": 536.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.4 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30" ], "record_stale": true, "record_correction": "maximum LVR 70% and minimum $150,000 new money, per the bank's website on 2026-10-30", "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/central-west-cul/Premium_Smart_Home_Loan.json", "bank_last_updated": "2026-10-29T09:15:50.000+11:00" }, { "rank": 33, "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "product_id": "L2_HL_OwnOccupied", "product_name": "Standard Variable Rate Home Loan", "product_label": "Standard Variable Rate Home Loan", "product_url": "https://www.swsbank.com.au/loans/owner-occupied-home-loans/all-owner-occupied-home-loans/", "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0635, "rate_pct": 6.35, "comparison_rate": 0.0635, "comparison_rate_pct": 6.35, "comparison_rate_at_loan_pct": 6.35, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.35, "bank": 6.35 }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Valuation and discharge fees charged at cost" ], "record_stale": false, "record_correction": null, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L2_HL_OwnOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/swsbank/L2_HL_OwnOccupied.json", "bank_last_updated": "2026-11-11T09:45:45.000+11:00" }, { "rank": 34, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "d6a80145-dc64-42da-a8c1-7c1e494fd361", "product_name": "Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bankaust.com.au/banking/home-loans/basic-home-loan", "terms_url": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0638, "rate_pct": 6.38, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "comparison_rate_at_loan_pct": 6.38, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 275.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.38 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum new borrowing $10,000" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/d6a80145-dc64-42da-a8c1-7c1e494fd361", "source_snapshot": "/au/finance/home-loans/v1/source/bank-australia/d6a80145-dc64-42da-a8c1-7c1e494fd361.json", "bank_last_updated": "2026-10-27T22:30:46.160Z" }, { "rank": 35, "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "product_id": "585", "product_name": "Fair Dinkum Home Loan", "product_label": "Fair Dinkum Home Loan", "product_url": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan", "terms_url": "https://www.racq.com.au/home/home-loans/basic-variable-rate-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "comparison_rate_at_loan_pct": 6.39, "lvr_min": 0.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": false, "redraw": false, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.39, "bank": 6.39 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "80% maximum LVR, 95% with LMI" ], "record_stale": true, "record_correction": null, "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/585", "source_snapshot": "/au/finance/home-loans/v1/source/racq-bank/585.json", "bank_last_updated": "2026-10-12T22:13:30Z" }, { "rank": 36, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "product_name": "Bendigo Express Home Loan", "product_label": "Express Home Loan", "product_url": "https://www.bendigobank.com.au/personal/home-loans/express-home-loan/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0654, "comparison_rate_pct": 6.54, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 1500000.0, "offset": true, "redraw": true, "annual_fee": 120.0, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.52, "bank": 6.54 }, "restrictions": [], "eligibility": null, "conditions": [ "Loan $10,000 to $3 million", "Valuation fees at cost per property: $134.20 electronic, $220 full (under $1m), $440 full (over $1m)", "Rates are for new Express home loans and may differ for existing customers; applied for online", "Australian citizens or permanent residents living in Australia" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "source_snapshot": "/au/finance/home-loans/v1/source/bendigo-bank/01fec5c4-a888-4330-a8cc-4a0a0ac931b5.json", "bank_last_updated": "2026-11-10T13:31:23.996Z" }, { "rank": 37, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "37", "product_name": "Classic Home Loan", "product_label": "Classic Home Loan", "product_url": "https://www.coastline.com.au/personal/home-loans", "terms_url": "https://cdn.sanity.io/files/djf521sf/production/f15ad20494f97551eafb39d8a0424c61ddc1201b.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0639, "rate_pct": 6.39, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.42, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 96.0, "upfront_fees": 595.0, "exit_fees": 630.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Break costs when switching from, or repaying early during, a fixed rate period" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/home-loans/v1/source/coastline-bank/37.json", "bank_last_updated": "2026-10-15T04:00:14.7982475Z" }, { "rank": 38, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "GB-OOPI-LVR80", "product_name": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_label": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_url": "https://www.communityfirst.com.au/products/go-basic-home-loan", "terms_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.41, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 696.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee" ], "record_stale": false, "record_correction": null, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80", "source_snapshot": "/au/finance/home-loans/v1/source/commfcu/GB-OOPI-LVR80.json", "bank_last_updated": "2026-11-10T14:08:48.000+11:00" }, { "rank": 39, "brand": "Arab Bank Australia Limited", "brand_label": "Arab Bank Australia", "brand_slug": "arab-bank-australia-limited", "product_id": "BASICS02", "product_name": "Basics Home Loan Special Offer", "product_label": "Basics Home Loan Special Offer", "product_url": "https://www.arabbank.com.au/personal/home-loans/dont-just-dream", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.064, "rate_pct": 6.4, "comparison_rate": 0.0653, "comparison_rate_pct": 6.53, "comparison_rate_at_loan_pct": 6.43, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 96.0, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.53, "bank": 6.53 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "New customers, or existing customers buying a new owner-occupied property, applying direct (not through a broker or referrer)", "Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BASICS02", "source_snapshot": "/au/finance/home-loans/v1/source/arab-bank-australia-limited/BASICS02.json", "bank_last_updated": "2026-10-12T23:03:31.787099Z" }, { "rank": 40, "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "product_id": "RM-1-1", "product_name": "Budget Home Loan", "product_label": "Budget Home Loan", "product_url": "https://www.imb.com.au/home-loans/living-in/budget-home-loan", "terms_url": "https://www.imb.com.au/important-information", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0647, "comparison_rate_pct": 6.47, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 1.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 10000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 449.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.47 }, "restrictions": [], "eligibility": null, "conditions": [ "Cashback $2,000-$4,000 on new purchase or refinance loans of $250,000+ (not IMB refinances); half repayable if discharged within 12 months", "Discounted variable rate for new applications only; not for refinancing existing IMB loans" ], "record_stale": false, "record_correction": null, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-1", "source_snapshot": "/au/finance/home-loans/v1/source/imb-bank/RM-1-1.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 41, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "HL_realdealPI", "product_name": "Real Deal Home Loan Principal and Interest", "product_label": "Real Deal Home Loan Principal and Interest", "product_url": "https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan", "terms_url": "https://www.newcastlepermanent.com.au/siteassets/documents/terms-conditions-fees-and-charges/mortgage-and-personal-loans/FactSheet_MortgageLoans.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 595, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)" ], "record_stale": false, "record_correction": "establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)", "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI", "source_snapshot": "/au/finance/home-loans/v1/source/newcastle-permanent/HL_realdealPI.json", "bank_last_updated": "2026-11-13T00:00:00+11:00" }, { "rank": 42, "brand": "NRMA Home Loans", "brand_label": "NRMA Home Loans", "brand_slug": "nrma-home-loans", "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "product_name": "NRMA Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.nrma.com.au/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0648, "comparison_rate_pct": 6.48, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 495.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.48, "bank": 6.48 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments on fixed loans limited to $20,000 a year without penalty" ], "record_stale": false, "record_correction": null, "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8", "source_snapshot": "/au/finance/home-loans/v1/source/nrma-home-loans/cd514842-f20f-4c6b-b367-de9c3c83f2f8.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 43, "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "product_id": "cca7cbfc-1e70-11f1-8228-325096b39f47", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/", "terms_url": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian education sector employees (current or retired) and their families", "quote": "Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/cca7cbfc-1e70-11f1-8228-325096b39f47" }, "conditions": [ "restricted membership: Australian education sector employees (current or retired) and their families", "Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/cca7cbfc-1e70-11f1-8228-325096b39f47", "source_snapshot": "/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/cca7cbfc-1e70-11f1-8228-325096b39f47.json", "bank_last_updated": "2026-11-11T23:55:02.000+11:00" }, { "rank": 44, "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "product_id": "93861c8c-15fe-439a-b822-7a157db743fe", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.fmbank.com.au/home-loans/your-way", "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "fire and emergency service employees (current or retired), volunteers and their families", "quote": "Firefighters Mutual Bank is for current or retired employees of, or current volunteers with, a fire and/or emergency service and their families, and is completely owned by its members.", "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/93861c8c-15fe-439a-b822-7a157db743fe" }, "conditions": [ "restricted membership: fire and emergency service employees (current or retired), volunteers and their families", "Australian citizens or permanent residents aged 18 or over" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/93861c8c-15fe-439a-b822-7a157db743fe", "source_snapshot": "/au/finance/home-loans/v1/source/firefighters-mutual-bank/93861c8c-15fe-439a-b822-7a157db743fe.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 45, "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "product_id": "f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.hpbank.com.au/home-loans/your-way", "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian health sector employees (current or retired) and their families", "quote": "Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1" }, "conditions": [ "restricted membership: Australian health sector employees (current or retired) and their families" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1", "source_snapshot": "/au/finance/home-loans/v1/source/health-professionals-bank/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 46, "brand": "Teachers Mutual Bank", "brand_label": "Teachers Mutual Bank", "brand_slug": "teachers-mutual-bank", "product_id": "77a3c65c-910d-4b85-a32e-b89708c348c7", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.tmbank.com.au/home-loans/your-way", "terms_url": "https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian education sector employees (current or retired) and their families", "quote": "Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/77a3c65c-910d-4b85-a32e-b89708c348c7" }, "conditions": [ "restricted membership: Australian education sector employees (current or retired) and their families" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/77a3c65c-910d-4b85-a32e-b89708c348c7", "source_snapshot": "/au/finance/home-loans/v1/source/teachers-mutual-bank/77a3c65c-910d-4b85-a32e-b89708c348c7.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 47, "brand": "UniBank", "brand_label": "UniBank", "brand_slug": "unibank", "product_id": "6d4a90dc-f765-43b7-8885-45d5dfa68ab4", "product_name": "Your Way Home Loan", "product_label": "Your Way Home Loan", "product_url": "https://www.unibank.com.au/home-loans/your-way", "terms_url": "https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.1, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 600.0, "exit_fees": 250.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.5 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "Australian university staff (current or retired), graduates, students and their families", "quote": "Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.", "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4" }, "conditions": [ "restricted membership: Australian university staff (current or retired), graduates, students and their families", "No annual fee on Your Way (the feed's $18.60 a year appears to be the $1.55 monthly paper statement fee)" ], "record_stale": false, "record_correction": null, "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4", "source_snapshot": "/au/finance/home-loans/v1/source/unibank/6d4a90dc-f765-43b7-8885-45d5dfa68ab4.json", "bank_last_updated": "2026-11-12T10:46:05.000+11:00" }, { "rank": 48, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "83030c82-5966-4078-b05d-31174b7bdac9", "product_name": "Customs Value Home Loan", "product_label": "Customs Value Home Loan", "product_url": "https://www.borderbank.com.au/loans/home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.47, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.51 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "serving or retired Border Officers in an associated union", "quote": "Border Value Home Loan only available to current serving Border Officers or a Retired Border Officer(s) who are a member of a Union that is associated with the Border Federation of Australia.", "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9" }, "conditions": [ "restricted membership: serving or retired Border Officers in an associated union" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9", "source_snapshot": "/au/finance/home-loans/v1/source/border-bank/83030c82-5966-4078-b05d-31174b7bdac9.json", "bank_last_updated": "2026-11-11T13:01:23.234Z" }, { "rank": 49, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "e90d86eb-0cba-44f9-84b0-de05030cade4", "product_name": "Police Value Home Loan", "product_label": "Value Home Loan", "product_url": "https://www.policebank.com.au/forms/apply-for-home-loan", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.47, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 84.0, "upfront_fees": 600.0, "exit_fees": 294.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.51 }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "serving or retired police officers in a Police Federation of Australia union", "quote": "Police Value Home Loan only available to current serving Police Officers or a Retired Police Officer(s) who are a member of a Union that is associated with the Police Federation of Australia.", "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4" }, "conditions": [ "restricted membership: serving or retired police officers in a Police Federation of Australia union" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4", "source_snapshot": "/au/finance/home-loans/v1/source/police-bank/e90d86eb-0cba-44f9-84b0-de05030cade4.json", "bank_last_updated": "2026-11-11T13:01:33.713Z" }, { "rank": 50, "brand": "Up", "brand_label": "Up", "brand_slug": "up", "product_id": "up-home", "product_name": "Up Home Loan", "product_label": "Home Loan", "product_url": "https://up.com.au/home-loans", "terms_url": "https://up.com.au/product-terms/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 7500000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.45, "bank": 6.45 }, "restrictions": [], "eligibility": null, "conditions": [ "Up to 50 Savers act as free 100% offset accounts", "Extra repayments on fixed rate loans limited to $30,000", "Up pays the first $400 of valuation costs; government and third-party settlement fees are passed on", "For Up customers; applied for and managed in the Up app" ], "record_stale": false, "record_correction": null, "source_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home", "source_snapshot": "/au/finance/home-loans/v1/source/up/up-home.json", "bank_last_updated": "2026-11-12T00:00:13+11:00" }, { "rank": 51, "brand": "Tiimely Home", "brand_label": "Tiimely Home", "brand_slug": "tiimely-home", "product_id": "4faad27c-8cea-44d1-89d0-f6351abafa5e", "product_name": "Tiimely Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/tiimely-home/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0645, "rate_pct": 6.45, "comparison_rate": 0.0646, "comparison_rate_pct": 6.46, "comparison_rate_at_loan_pct": 6.45, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.46, "bank": 6.46 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)", "Minimum loan $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e", "source_snapshot": "/au/finance/home-loans/v1/source/tiimely-home/4faad27c-8cea-44d1-89d0-f6351abafa5e.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 52, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "843", "product_name": "Premier Low Rate", "product_label": "Premier Low Rate", "product_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "terms_url": "https://www.defencebank.com.au/banking/home-loans/premier-low-rate-home-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0649, "comparison_rate_pct": 6.49, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.49, "bank": 6.49 }, "restrictions": [], "eligibility": null, "conditions": [ "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Minimum loan $100,000" ], "record_stale": true, "record_correction": "no discharge fee on Premier loans: the bank's lending fee schedule gives \"Security discharge administration fee | $250.00 | Not payable\" for Premier and Premier Low Rate (checked 2026-11-01)", "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/843", "source_snapshot": "/au/finance/home-loans/v1/source/defence-bank/843.json", "bank_last_updated": "2026-10-14T00:00:00.000+11:00" }, { "rank": 53, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "HLVariableFlexiOwnerOccupied", "product_name": "Flexi First: Our lowest online variable home loan rate (Owner Occupied)", "product_label": "Flexi First: Our Lowest Online Variable Home Loan Rate (Owner Occupied)", "product_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "terms_url": "https://www.westpac.com.au/home-loans/variable/basic-variable-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.065, "comparison_rate_pct": 6.5, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 25000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.5 }, "restrictions": [], "eligibility": null, "conditions": [ "Lowest online rate needs an LVR of 80% or less", "Online rate excludes company and trust borrowers and internal refinances within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableFlexiOwnerOccupied", "source_snapshot": "/au/finance/home-loans/v1/source/westpac/HLVariableFlexiOwnerOccupied.json", "bank_last_updated": "2026-11-13T03:19:55Z" }, { "rank": 54, "brand": "ME Bank - ME Go", "brand_label": "ME Bank", "brand_slug": "me-bank-me-go", "product_id": "cf2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "ME Bank EconoME Home Loan", "product_label": "EconoME Home Loan", "product_url": "https://www.mebank.com.au/home-loans/", "terms_url": "https://www.mebank.com.au/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0651, "comparison_rate_pct": 6.51, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.51, "bank": 6.51 }, "restrictions": [], "eligibility": null, "conditions": [ "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only; not internal refinances, top-ups or variations", "$3,000 cashback on refinances from another lender ($700,000+, LVR up to 80%) for applications 28 August 2026 to 7 December 2026" ], "record_stale": false, "record_correction": "maximum LVR 95%: the bank's loan details say \"Maximum LVR ... Up to 95% of the property Value\"; the valuation \"is included up to the extent that the valuation costs we incur exceed $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/cf2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/me-bank-me-go/cf2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T21:53:17Z" }, { "rank": 55, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "210", "product_name": "OMG Home Loan (P&I) LVR<60", "product_label": "OMG Home Loan (P&I) LVR<60", "product_url": "https://www.bcu.com.au/home-loans/owner-occupier/omg-home-loan/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/home-loans-terms--conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0652, "comparison_rate_pct": 6.52, "comparison_rate_at_loan_pct": 6.49, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.5, "bank": 6.52 }, "restrictions": [], "eligibility": null, "conditions": [ "$300 document preparation fee at settlement", "Offset does not reduce interest during a fixed rate period", "Further 0.15% p.a. off when applying online direct: new owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/210", "source_snapshot": "/au/finance/home-loans/v1/source/bcu-bank/210.json", "bank_last_updated": "2026-11-13T00:00:41.2804876Z" }, { "rank": 56, "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "product_id": "L31_L31_10_OO_V_PI", "product_name": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_label": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_url": "https://www.centralmurray.bank/loans/housing-loans/#", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.49, "bank": 6.55, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "$800 loan establishment fee (new property mortgage)", "$350 mortgage discharge fee", "valuation at cost, minimum $300" ], "record_stale": false, "record_correction": "no offset account: the bank's housing loans page gives Local Choice \"Offset N/A\" (checked 2026-11-11)", "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_L31_10_OO_V_PI", "source_snapshot": "/au/finance/home-loans/v1/source/central-murray-bank/L31_L31_10_OO_V_PI.json", "bank_last_updated": "2026-11-11T10:01:59.000+11:00" }, { "rank": 57, "brand": "Cairns bank", "brand_label": "Cairns Bank", "brand_slug": "cairns-bank", "product_id": "L21_CLASSIC_PI_60", "product_name": "CLASSIC HOME LOAN VARIABLE <60 LVR PI", "product_label": "Classic Home Loan Variable <60 Lvr Pi", "product_url": "https://cairnsbank.com.au/classic-vs-plus/", "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0649, "rate_pct": 6.49, "comparison_rate": null, "comparison_rate_pct": null, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 50000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 144, "upfront_fees": 300, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.64, "bank": null, "reason": "no bank comparison rate" }, "restrictions": [], "eligibility": null, "conditions": [ "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "$350 discharge fee for a loan secured on freehold property ($100 otherwise)", "$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder" ], "record_stale": false, "record_correction": "the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)", "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60", "source_snapshot": "/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_60.json", "bank_last_updated": "2026-11-06T07:40:20.000+10:00" }, { "rank": 58, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "cb2579cd-508e-ee11-be36-000d3a79efd0", "product_name": "BOQ Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.boq.com.au/personal/home-loans/myboq-home-loans", "terms_url": "https://www.boq.com.au/content/dam/boq/files/personal/myboq-home-loans/lending-guide-to-fees-and-charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0653, "rate_pct": 6.53, "comparison_rate": 0.0655, "comparison_rate_pct": 6.55, "comparison_rate_at_loan_pct": 6.54, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.56, "bank": 6.55 }, "restrictions": [], "eligibility": null, "conditions": [ "Digital loan applied for and managed only in the myBOQ app", "$350 security release fee on discharge; $750 rate lock fee" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/cb2579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-queensland-limited/cb2579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-08T22:48:54Z" }, { "rank": 59, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "product_id": "f53a58f1-a964-4d9f-aa9d-23fec9148451", "product_name": "Mortgage Simplifier", "product_label": "Mortgage Simplifier", "product_url": "https://www.ing.com.au/home-loans/mortgage-simplifier.html", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 51.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 150000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 350.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Rates shown need total borrowings of at least $150,000" ], "record_stale": false, "record_correction": null, "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/f53a58f1-a964-4d9f-aa9d-23fec9148451", "source_snapshot": "/au/finance/home-loans/v1/source/ing-bank-australia-ltd/f53a58f1-a964-4d9f-aa9d-23fec9148451.json", "bank_last_updated": "2026-11-12T13:00:00Z" }, { "rank": 60, "brand": "MyState Bank", "brand_label": "MyState Bank", "brand_slug": "mystate-bank", "product_id": "fb4d69dc-3c6f-4881-b119-e7ef24574402", "product_name": "Basic Variable Loan", "product_label": "Basic Variable Loan", "product_url": "https://mystate.com.au/home-loans/basic-variable-home-loan/", "terms_url": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0657, "comparison_rate_pct": 6.57, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 650.0, "exit_fees": 380.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.57 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian citizens or permanent residents only", "New loans of $100,000+, LVR under 90% (or 5% Deposit Scheme)", "No establishment fee for owner occupiers ($350 settlement fee still applies); the published $650 includes the $300 investor establishment fee" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/fb4d69dc-3c6f-4881-b119-e7ef24574402", "source_snapshot": "/au/finance/home-loans/v1/source/mystate-bank/fb4d69dc-3c6f-4881-b119-e7ef24574402.json", "bank_last_updated": "2026-11-11T14:00:00.301306Z" }, { "rank": 61, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "524add2a-ea86-4639-b084-abde1082801e", "product_name": "BASIC HOME LOAN", "product_label": "Basic Home Loan", "product_url": "https://auswidebank.com.au/home-loans/compare-home-loans/", "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": 6.55, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 400.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.57, "bank": 6.58 }, "restrictions": [], "eligibility": null, "conditions": [ "Applicants must be 18 or over and Australian citizens or permanent residents" ], "record_stale": false, "record_correction": null, "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e", "source_snapshot": "/au/finance/home-loans/v1/source/auswide-bank-ltd/524add2a-ea86-4639-b084-abde1082801e.json", "bank_last_updated": "2026-11-12T08:49:55.000+10:00" }, { "rank": 62, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_HL_448", "product_name": "40 Year Home Loan Package", "product_label": "40 Year Home Loan Package", "product_url": "https://www.creditunionsa.com.au/loans/home-loans/40-year-home-loan", "terms_url": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.069, "comparison_rate_pct": 6.9, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 1.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395, "upfront_fees": 0, "exit_fees": 350, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.9 }, "restrictions": [ "package" ], "eligibility": null, "conditions": [ "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "package (annual fee)", "Rate lock fee: the higher of $600 or 0.15% of the loan (fixed rates, up to 90 days)", "$395 annual Home Loan Package fee (no application or settlement fee)", "Not available with the Housing Australia Home Guarantee Scheme" ], "record_stale": false, "record_correction": "fees per the bank's lending fee schedule: \"Package fee Payable annually in advance for each year that you maintain a Home Loan Package. $395\", no application or settlement fee, \"Mortgage discharge fee ... $350\" (checked 2026-11-13)", "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_448", "source_snapshot": "/au/finance/home-loans/v1/source/credit-union-sa/CREDITUNIONSA_HL_448.json", "bank_last_updated": "2026-11-12T00:00:00.000+11:00" }, { "rank": 63, "brand": "BNK Bank (Goldfields Money/BCHL)", "brand_label": "BNK Bank", "brand_slug": "bnk-bank-goldfields-money-bchl", "product_id": "2001", "product_name": "Gold Prime Residential Basic Home Loans", "product_label": "Gold Prime Residential Basic Home Loans", "product_url": "https://www.bnk.com.au/home-loans/", "terms_url": "https://www.bnk.com.au/wp-content/uploads/2025/05/Loan-Contract-Terms-and-Conditions-v7-FEB24-030924.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0655, "rate_pct": 6.55, "comparison_rate": 0.0658, "comparison_rate_pct": 6.58, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 2000000.0, "offset": false, "redraw": true, "annual_fee": 299.0, "upfront_fees": 295.0, "exit_fees": 700.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.84, "bank": 6.58, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/2001", "source_snapshot": "/au/finance/home-loans/v1/source/bnk-bank-goldfields-money-bchl/2001.json", "bank_last_updated": "2026-11-09T01:10:40.974255Z" }, { "rank": 64, "brand": "Qantas Money Basic/Offset Home Loans", "brand_label": "Qantas Money Basic/Offset Home Loans", "brand_slug": "qantas-money-basic-offset-home-loans", "product_id": "40a80249-5ea9-402d-9d43-218a7fd62546", "product_name": "QANTAS Money Basic Home Loan", "product_label": "Money Basic Home Loan", "product_url": "https://www.qantasmoney.com/home-loans", "terms_url": "https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0658, "rate_pct": 6.58, "comparison_rate": 0.0665, "comparison_rate_pct": 6.65, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 300000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 840.4, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.65, "bank": 6.65 }, "restrictions": [], "eligibility": null, "conditions": [ "Australian residents who are Qantas Frequent Flyer members (every applicant)", "Sole applicants must be employed (PAYG or self-employed)", "Advertised rates are for new loans only", "Established property only: not off the plan or construction", "At least 10% deposit for loans under $2M (90% LVR); 25% above $2M, with no cash-out", "Loans from $300,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546", "source_snapshot": "/au/finance/home-loans/v1/source/qantas-money-basic-offset-home-loans/40a80249-5ea9-402d-9d43-218a7fd62546.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 65, "brand": "AFG Home Loans Alpha", "brand_label": "AFG Home Loans Alpha", "brand_slug": "afg-home-loans-alpha", "product_id": "caca2557-9a23-4a8a-9648-09699d765a3c", "product_name": "AFG Alpha Basic Home Loan", "product_label": "AFG Alpha Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/afg-home-loans-alpha/features/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments while fixed capped at $20,000; above that or ending the fixed period early may incur break costs" ], "record_stale": false, "record_correction": null, "source_url": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/caca2557-9a23-4a8a-9648-09699d765a3c", "source_snapshot": "/au/finance/home-loans/v1/source/afg-home-loans-alpha/caca2557-9a23-4a8a-9648-09699d765a3c.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 66, "brand": "Aussie Elevate", "brand_label": "Aussie Elevate", "brand_slug": "aussie-elevate", "product_id": "181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "product_name": "Aussie Elevate Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/aussie-elevate/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Extra repayments capped at $20,000 during a fixed rate period; more may incur break costs", "No guarantors; all owners of the security property must be borrowers", "Not for business, construction or bridging loans; no vacant land", "Not available with a government loan or guarantee scheme (e.g. 5% Deposit Scheme)" ], "record_stale": false, "record_correction": null, "source_url": "https://api.aussie.app.bendigobank.com.au/cds-au/v1/banking/products/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "source_snapshot": "/au/finance/home-loans/v1/source/aussie-elevate/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 67, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "c1d7e8ef741e45e5b013fa7d05574e80", "product_name": "Digi Home Loan (Owner Occupied)", "product_label": "Digi Home Loan (Owner Occupied)", "product_url": "https://www.commbank.com.au/content/dam/commbank-assets/home-buying/docs/008-078-digi-home-loan-fact-sheet.pdf", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/utc-home-loan.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.6, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 300.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.62, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "existing CommBank home loans cannot switch to Digi", "individuals only (no companies or trusts); online application through NetBank/CommBank app", "online only: apply and manage through NetBank and the CommBank app", "one Everyday Offset account per loan", "no LMI or Low Deposit Premium, so a 20% deposit is needed" ], "record_stale": false, "record_correction": null, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80", "source_snapshot": "/au/finance/home-loans/v1/source/commbank/c1d7e8ef741e45e5b013fa7d05574e80.json", "bank_last_updated": "2026-11-13T01:15:05.000Z" }, { "rank": 68, "brand": "Connective Select", "brand_label": "Connective Select", "brand_slug": "connective-select", "product_id": "6afe8345-df21-4a4c-8017-16ef2dda2c91", "product_name": "Connective Select Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/connective-select/home/", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 50.01, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 5000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Break cost fee if more than $20,000 is repaid in a fixed-term year" ], "record_stale": false, "record_correction": null, "source_url": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/6afe8345-df21-4a4c-8017-16ef2dda2c91", "source_snapshot": "/au/finance/home-loans/v1/source/connective-select/6afe8345-df21-4a4c-8017-16ef2dda2c91.json", "bank_last_updated": "2026-11-13T11:52:15+11:00" }, { "rank": 69, "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "product_id": "11", "product_name": "Neat - OO Variable P&I", "product_label": "Neat - OO Variable P&I", "product_url": "https://www.ubank.com.au/home-loans/neat-variable-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0659, "rate_pct": 6.59, "comparison_rate": 0.0661, "comparison_rate_pct": 6.61, "comparison_rate_at_loan_pct": 6.59, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.59, "bank": 6.61 }, "restrictions": [], "eligibility": null, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/11", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/11.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "rank": 70, "brand": "Dnister", "brand_label": "Dnister", "brand_slug": "dnister", "product_id": "34", "product_name": "Simple Home Loan Plus", "product_label": "Simple Home Loan Plus", "product_url": "https://www.dnister.com.au/portfolio-items/simple-home-loan-plus/", "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.066, "rate_pct": 6.6, "comparison_rate": 0.0709, "comparison_rate_pct": 7.09, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": 200000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": 395.0, "upfront_fees": 500, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.99, "bank": 7.09, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "LVR not stated; ranked at 80% LVR and below only" ], "record_stale": false, "record_correction": "establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250", "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/34", "source_snapshot": "/au/finance/home-loans/v1/source/dnister/34.json", "bank_last_updated": "2026-11-13T00:00:38.9826984Z" }, { "rank": 71, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "283", "product_name": "Basic Variable HL LVR <60", "product_label": "Basic Variable HL LVR <60", "product_url": "https://www.pnbank.com.au/home-loans/owner-occupied/basic-variable-home-loan/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/home-loans/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0663, "rate_pct": 6.63, "comparison_rate": 0.0666, "comparison_rate_pct": 6.66, "comparison_rate_at_loan_pct": 6.63, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 0.0, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.64, "bank": 6.66 }, "restrictions": [], "eligibility": null, "conditions": [ "$650 rate lock-in fee on fixed rates (up to 90 days before funding)", "$300 document preparation fee at settlement", "Further 0.30% p.a. off when applying online direct: owner-occupied purchase or refinance, at least $100,000 new money, LVR up to 80%" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/283", "source_snapshot": "/au/finance/home-loans/v1/source/p-n-bank/283.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z" }, { "rank": 72, "brand": "AMP - My AMP", "brand_label": "AMP Bank", "brand_slug": "amp-my-amp", "product_id": "AMP_ESSENTIAL_HL", "product_name": "AMP Essential Home Loan", "product_label": "Essential Home Loan", "product_url": "https://www.amp.com.au/home-loans/interest-rates-fees", "terms_url": "https://www.amp.com.au/content/dam/amp-2024/documents/forms/308006-home-loan-fees-and-charges-guide.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.69, "lvr_min": 50.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 250000.0, "loan_max": 749999.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": 490.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.7, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "Break costs while fixed if extra repayments exceed $10,000 in any 12 months, or the loan is repaid or its rate changed", "Fixed rate lock fee of 0.15% of the original fixed loan amount (rate held 90 days, not refundable)", "Loan between $250,000 and $2 million, borrowing 80% or less of the property's value", "PAYG salary earners, or self-employed trading at least 2 years" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL", "source_snapshot": "/au/finance/home-loans/v1/source/amp-my-amp/AMP_ESSENTIAL_HL.json", "bank_last_updated": "2026-11-06T00:00:00.000Z" }, { "rank": 73, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "a89c13433bc142f9a6c659dcc1961abd", "product_name": "Bankwest Simple Home Loan", "product_label": "Simple Home Loan", "product_url": "https://www.bankwest.com.au/home-loans/variable-rate", "terms_url": "https://www.bankwest.com.au/home-loans/variable-rate", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0669, "rate_pct": 6.69, "comparison_rate": 0.0672, "comparison_rate_pct": 6.72, "comparison_rate_at_loan_pct": 6.7, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 695.0, "exit_fees": 338.2, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.72 }, "restrictions": [], "eligibility": null, "conditions": [ "$0 application fee (usually $695)", "$10 a month per linked offset account" ], "record_stale": false, "record_correction": null, "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/a89c13433bc142f9a6c659dcc1961abd", "source_snapshot": "/au/finance/home-loans/v1/source/bankwest/a89c13433bc142f9a6c659dcc1961abd.json", "bank_last_updated": "2026-11-13T11:37:24.000Z" }, { "rank": 74, "brand": "ANZ Plus", "brand_label": "ANZ Plus", "brand_slug": "anz-plus", "product_id": "HLVAR01", "product_name": "ANZ Plus Home Loan Variable", "product_label": "Home Loan Variable", "product_url": "https://www.anz.com.au/plus/digital-home-loans/", "terms_url": "https://anz.com/plus/homeloantncs", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0675, "rate_pct": 6.75, "comparison_rate": 0.0675, "comparison_rate_pct": 6.75, "comparison_rate_at_loan_pct": 6.75, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 10000.0, "loan_max": 2000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": null, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.75, "bank": 6.75 }, "restrictions": [], "eligibility": null, "conditions": [ "Refinance only: for an existing home loan of $10,000 to $2,000,000", "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income", "Properties in Tasmania and the Northern Territory not accepted", "Apply for and manage the loan in the ANZ Plus app only", "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying", "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only", "Applicants must not be a guarantor on any other loan" ], "record_stale": false, "record_correction": null, "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01", "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json", "bank_last_updated": "2026-11-12T13:00:00.000Z" }, { "rank": 75, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian resident borrowers", "Promotional rate for new loans only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/bank-of-melbourne/BOMHLBasic.json", "bank_last_updated": "2026-11-13T03:54:07Z" }, { "rank": 76, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSAHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.banksa.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "not available to non-Australian-resident borrowers", "promotional rate for new Basic loans only; excludes internal refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/banksa/BSAHLBasic.json", "bank_last_updated": "2026-11-13T03:54:08Z" }, { "rank": 77, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGHLBasic", "product_name": "Basic Variable Home Loan", "product_label": "Basic Variable Home Loan", "product_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "terms_url": "https://www.stgeorge.com.au/personal/home-loans/our-home-loans/basic-home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.068, "comparison_rate_pct": 6.8, "comparison_rate_at_loan_pct": 6.79, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 30000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 100.0, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.8, "bank": 6.8 }, "restrictions": [], "eligibility": null, "conditions": [ "Not available to non-Australian-resident borrowers", "Promotional rate for new owner-occupier applications only; excludes refinances and switches within the Westpac Group" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic", "source_snapshot": "/au/finance/home-loans/v1/source/st-george-bank/STGHLBasic.json", "bank_last_updated": "2026-11-13T03:54:05Z" }, { "rank": 78, "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "product_id": "Intelligent_Mortgage_Variable", "product_name": "Intelligent Mortgage Variable", "product_label": "Intelligent Mortgage Variable", "product_url": "https://lcu.com.au/product/intelligent-mortgage-variable", "terms_url": "https://lcu.com.au/disclosure-documents", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0685, "rate_pct": 6.85, "comparison_rate": 0.0687, "comparison_rate_pct": 6.87, "comparison_rate_at_loan_pct": 6.85, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 3000000.0, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.87, "bank": 6.87 }, "restrictions": [], "eligibility": null, "conditions": [ "80% LVR without LMI; up to 95% with lenders mortgage insurance" ], "record_stale": false, "record_correction": null, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable", "source_snapshot": "/au/finance/home-loans/v1/source/laboratories-credit-union/Intelligent_Mortgage_Variable.json", "bank_last_updated": "2026-11-06T11:03:29.000+11:00" }, { "rank": 79, "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "product_name": "ESSENTIAL HOME LOAN", "product_label": "Essential Home Loan", "product_url": "https://www.ddbank.com.au/home-loans/essential-plus-loan/", "terms_url": "https://www.ddbank.com.au/loans/home-loans/essential-plus-loan/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0679, "comparison_rate_pct": 6.79, "comparison_rate_at_loan_pct": null, "lvr_min": null, "lvr_max": null, "lvr_source": null, "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 1067.0, "exit_fees": 542.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.98, "bank": 6.79, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "LVR not stated; ranked at 80% LVR and below only", "Mortgage release fee $275 per request", "$45 for a staff-assisted redraw (online $0); minimum redraw $1,000" ], "record_stale": false, "record_correction": null, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "source_snapshot": "/au/finance/home-loans/v1/source/darling-downs-bank/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST.json", "bank_last_updated": "2026-11-13T09:47:38.000+10:00" }, { "rank": 80, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "544ad5cb-7e52-4a30-b1d7-a080abafbfac", "product_name": "ANZ Simplicity PLUS", "product_label": "Simplicity PLUS", "product_url": "https://www.anz.com.au/personal/home-loans/basic-variable/?CID=af:obank:hl", "terms_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/consumer-lending-tc.pdf", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0689, "comparison_rate_pct": 6.89, "comparison_rate_at_loan_pct": 6.89, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "tier", "loan_min": 50000.0, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 0.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.89, "bank": 6.89 }, "restrictions": [], "eligibility": null, "conditions": [ "Settlement, production and lodgement fees ($160 each) and $50 search fee are not charged when the loan is set up", "Minimum new loan $20,000" ], "record_stale": false, "record_correction": null, "source_url": "https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac", "source_snapshot": "/au/finance/home-loans/v1/source/anz/544ad5cb-7e52-4a30-b1d7-a080abafbfac.json", "bank_last_updated": "2026-11-12T13:01:00.000Z" }, { "rank": 81, "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "product_id": "L35LOWLVROOCPI", "product_name": "LOW LVR OOC P&I", "product_label": "Low Lvr Ooc P&i", "product_url": "https://themaccu.com.au/home-loans/all-home-loans/", "terms_url": "https://themaccu.com.au/support/rates-fees/", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0699, "rate_pct": 6.99, "comparison_rate": 0.0706, "comparison_rate_pct": 7.06, "comparison_rate_at_loan_pct": 7.0, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "text", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 400.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.02, "bank": 7.06 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Maximum LVR 70%" ], "record_stale": true, "record_correction": null, "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L35LOWLVROOCPI", "source_snapshot": "/au/finance/home-loans/v1/source/the-mac/L35LOWLVROOCPI.json", "bank_last_updated": "2026-11-02T09:55:53.000+11:00" }, { "rank": 82, "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "product_id": "690e034e-a1c5-4aea-ba09-830b86a129b6", "product_name": "Debt consolidation home loan", "product_label": "Debt Consolidation Home Loan", "product_url": "https://liberty.com.au/home-loans/debt-consolidation-home-loans", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "any", "repayment": "principal_and_interest", "rate": 0.0709, "rate_pct": 7.09, "comparison_rate": 0.0736, "comparison_rate_pct": 7.36, "comparison_rate_at_loan_pct": 7.16, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": 10000000.0, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": null, "exit_fees": 395.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.35, "bank": 7.36 }, "restrictions": [ "refinance_only" ], "eligibility": null, "conditions": [ "refinancing only", "$995 fee and higher rate for company/trust borrowers or investors with 4+ properties", "0.25% rate loading for loan terms over 30 years" ], "record_stale": false, "record_correction": null, "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/690e034e-a1c5-4aea-ba09-830b86a129b6", "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/690e034e-a1c5-4aea-ba09-830b86a129b6.json", "bank_last_updated": "2026-11-13T00:00:00Z" }, { "rank": 83, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "4200-0211", "product_name": "Basic Variable OO P&I", "product_label": "Basic Variable OO P&I", "product_url": "https://www.greatsouthernbank.com.au/home-loans/basic-variable", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.085, "rate_pct": 8.5, "comparison_rate": 0.066, "comparison_rate_pct": 6.6, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 70.0, "lvr_source": "tier", "loan_min": 100000.0, "loan_max": 5000000.0, "offset": false, "redraw": true, "annual_fee": 0.0, "upfront_fees": 600.0, "exit_fees": 500.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 8.55, "bank": 6.6, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "conditions": [ "$235 security administration fee per security on top of the $600 establishment fee", "Discounted rates for new loans of $100,000+ or switches with $10,000+ new borrowing approved from 11 November 2026" ], "record_stale": false, "record_correction": null, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0211", "source_snapshot": "/au/finance/home-loans/v1/source/great-southern-bank/4200-0211.json", "bank_last_updated": "2026-11-10T14:00:01.00000Z" }, { "rank": 84, "brand": "BOQ Specialist", "brand_label": "BOQ Specialist", "brand_slug": "boq-specialist", "product_id": "8a906e88-5c03-ee11-8f6e-00224814d330", "product_name": "Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.boqspecialist.com.au/personal-banking/home-loans/basic-homeloan", "terms_url": "https://www.boqspecialist.com.au/personal-banking/home-loans/basic-homeloan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0852, "rate_pct": 8.52, "comparison_rate": 0.087, "comparison_rate_pct": 8.7, "comparison_rate_at_loan_pct": null, "lvr_min": 0.0, "lvr_max": 90.0, "lvr_source": "tier", "loan_min": null, "loan_max": null, "offset": false, "redraw": true, "annual_fee": 120.0, "upfront_fees": null, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 8.62, "bank": 8.7, "reason": "more than 0.05 points from the bank's" }, "restrictions": [ "restricted_membership" ], "eligibility": { "restricted": true, "who": "medical, dental, veterinary and accounting professionals", "quote": "Product is offered to medical, dental ,veterinary & accounting professionals only", "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/8a906e88-5c03-ee11-8f6e-00224814d330" }, "conditions": [ "restricted membership: medical, dental, veterinary and accounting professionals" ], "record_stale": false, "record_correction": null, "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/8a906e88-5c03-ee11-8f6e-00224814d330", "source_snapshot": "/au/finance/home-loans/v1/source/boq-specialist/8a906e88-5c03-ee11-8f6e-00224814d330.json", "bank_last_updated": "2026-11-04T20:55:30Z" }, { "rank": 85, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Standard_Home_Loan", "product_name": "Standard Home Loan", "product_label": "Standard Home Loan", "product_url": "https://www.themutual.com.au/borrow/home-loans/standard-home-loan/", "terms_url": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0888, "rate_pct": 8.88, "comparison_rate": 0.0891, "comparison_rate_pct": 8.91, "comparison_rate_at_loan_pct": 8.89, "lvr_min": 0.0, "lvr_max": 95.0, "lvr_source": "text", "loan_min": 20000.0, "loan_max": null, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 200.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.92, "bank": 8.91 }, "restrictions": [], "eligibility": null, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan", "source_snapshot": "/au/finance/home-loans/v1/source/maitland-mutual-limited/Standard_Home_Loan.json", "bank_last_updated": "2026-10-14T08:38:10.000+11:00" }, { "rank": 86, "brand": "Judo Bank", "brand_label": "Judo Bank", "brand_slug": "judo-bank", "product_id": "63e5a9e5-f73c-434a-9221-f6f1574e45dd", "product_name": "Home Loan", "product_label": "Home Loan", "product_url": "https://www.judo.bank/home-loan", "terms_url": "https://www.judo.bank/home-loan", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0915, "rate_pct": 9.15, "comparison_rate": 0.0917, "comparison_rate_pct": 9.17, "comparison_rate_at_loan_pct": 9.17, "lvr_min": 0.0, "lvr_max": 100.0, "lvr_source": "product", "loan_min": 250000.0, "loan_max": 20000000.0, "offset": false, "redraw": true, "annual_fee": null, "upfront_fees": 900.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.22, "bank": 9.17 }, "restrictions": [], "eligibility": null, "conditions": [], "record_stale": false, "record_correction": null, "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/63e5a9e5-f73c-434a-9221-f6f1574e45dd", "source_snapshot": "/au/finance/home-loans/v1/source/judo-bank/63e5a9e5-f73c-434a-9221-f6f1574e45dd.json", "bank_last_updated": "2026-11-10T22:11:33.306088Z" } ] }