Find Your Perfect Home Loan

Compare home loans from Australia’s leading lenders. Whether you’re buying your first home, investing, or refinancing, we’ll help you find the right loan.

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Compare home loans from Australia’s major banks and lenders

CommBank

Westpac

ANZ

NAB

Macquarie

ING

Suncorp

Bendigo Bank

Bank of Melbourne

St.George

Bankwest

ubank

And many more lenders available for comparison

Compare Home Loans The Smart Way

With dozens of lenders and hundreds of loan products available, finding the right home loan can feel overwhelming. A small difference in interest rates can mean tens of thousands of dollars over the life of your loan

When comparing loans, look beyond the headline rate. Consider the comparison rate, which includes most fees and charges, giving you a more accurate picture of the true cost

Think about the features you need. Offset accounts, redraw facilities, and the ability to make extra repayments can provide flexibility and help you pay off your loan faster

Consider your long-term plans. If you might move or refinance within a few years, watch out for high exit fees or break costs on fixed-rate loans

ManageHub helps you compare loans side by side, understand the true costs, and find a loan that matches your financial goals

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Choosing the Right Lender

Australia’s home loan market includes major banks, smaller banks, credit unions, and non-bank lenders. Each has different strengths depending on your situation

Major banks offer convenience, extensive branch networks, and the ability to bundle your home loan with other products. They may offer package discounts for customers with multiple accounts

Smaller lenders and non-banks often compete on price, offering lower rates to attract customers. They may have fewer branches but provide excellent online services and customer support

Instead of approaching each lender individually, ManageHub lets you compare rates, fees, and features from multiple lenders in one place, making it easier to find the right fit

Loan Types

Find the Right Loan Type

Different loans suit different needs. Understanding your options helps you choose wisely.

Owner Occupier Loans

Loans for buying a home you’ll live in. These typically offer the lowest interest rates and come with options for principal and interest or interest-only repayments.

Investment Loans

Finance for purchasing investment properties. Interest rates are usually slightly higher than owner-occupier loans, but the interest may be tax deductible.

First Home Buyer

Special loans and grants designed for first-time buyers. Many lenders offer reduced fees, lower deposits, and government schemes like the First Home Guarantee.

Refinancing

Switch your existing home loan to a new lender for better rates or features. Refinancing can save thousands over the life of your loan.

FAQ

Common Home Loan Questions

How much deposit do I need for a home loan?

Most lenders require a minimum deposit of 5-20% of the property’s value. A 20% deposit helps you avoid Lenders Mortgage Insurance (LMI). First home buyers may access government schemes that allow purchases with as little as 5% deposit without paying LMI.

What’s the difference between fixed and variable rates?

Fixed rates lock in your interest rate for a set period (typically 1-5 years), giving you certainty over repayments. Variable rates can change with market conditions, potentially going up or down. Many borrowers choose a split loan combining both for flexibility and security.

What is Lenders Mortgage Insurance (LMI)?

LMI is insurance that protects the lender (not you) if you default on your loan. It’s typically required when your deposit is less than 20% of the property value. LMI can add thousands to your loan costs, so it’s worth considering whether to save a larger deposit or use government schemes to avoid it.

How much can I borrow for a home loan?

Your borrowing capacity depends on your income, expenses, existing debts, and the lender’s assessment criteria. Use our borrowing power calculator to get an estimate. Generally, lenders look at your ability to repay while maintaining a reasonable lifestyle.

Should I use a mortgage broker or go direct to a bank?

Mortgage brokers can compare loans from multiple lenders and help find options you might not discover on your own. They’re paid by lenders, so their service is usually free to you. Going direct means dealing with only one lender but may suit you if you have a strong existing banking relationship.

What fees should I watch out for with home loans?

Common fees include application fees, ongoing monthly fees, discharge fees when you pay off or refinance, and break costs for exiting fixed rates early. Some lenders offer fee-free loans, but check if this is offset by a higher interest rate. Always compare the total cost, not just the rate.

Ready to Find Your Home Loan?

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