Compare Loans in real-time to save!

Q: What is find.deals™ and how does it work?

find.deals™ is Australia's free loan comparison platform. We publish live rates from 120+ lenders including major banks (CBA, Westpac, NAB, ANZ), credit unions, and specialist lenders, sourced from the Consumer Data Right. Enter your details once and we refer your enquiry to our accredited broker partner (an authorised credit representative under an Australian Credit Licence), who calls you and helps you compare options across their panel.

Q: Is the comparison service really free?

find.deals™ never charges you. In order to keep our service free for consumers, find.deals™ may receive a referral fee from our accredited broker partner, paid from the broker's commission when a loan settles. The broker's commission is paid by the lender - never by you.

Q: Who is behind find.deals™?

find.deals™ is built by an Australian product and technology team with deep experience in comparison and lending. We've partnered with an accredited broker (an authorised credit representative under an Australian Credit Licence) who, in turn, compares loans across Australia's biggest lenders.

Q: Can I get help from a real person?

Yes. find.deals™ refers your enquiry to our accredited broker partner (an authorised credit representative under an Australian Credit Licence), who can compare loan products across multiple lenders and provide personalised guidance under the Australian Credit Licence they are authorised under. find.deals™ charges nothing for the referral and you are under no obligation; the broker will explain any fee that could apply before you proceed.

Q: What makes find.deals™ different?

find.deals™ specialises in loans for Australian homeowners. Rates are refreshed daily from 120+ banks via the Consumer Data Right, comparisons cover every state, and find.deals™ never charges you - our accredited broker partner will tell you about any fee before you proceed.

Q: Will comparing loans affect my credit score?

No, comparing loans on find.deals™ does not affect your credit score. find.deals™ does not run credit checks. A formal credit check only occurs when you submit a full application to a specific lender.

Q: What types of loans can I compare?

You can compare home loans (variable and fixed), refinancing options, personal loans, car loans, and green loans for solar and energy-efficient upgrades. Our accredited broker partner works with major banks, credit unions, and specialist lenders across Australia.

Q: How much can I save by comparing loans?

It depends on your loan size, your current rate and what lenders are offering today. In 2020 the ACCC found home loans 3-5 years old paid around 0.58% more than new loans (ACCC Home Loan Price Inquiry, final report, December 2020), and on a typical balance a gap like that is worth a meaningful amount each year. The only way to know where your own loan sits is to have it checked - our accredited broker partner does that when we refer your enquiry.

Q: How long does it take to compare loans?

The enquiry takes under 2 minutes: enter your loan amount, property details and contact details. Our accredited broker partner then calls you and compares options across their panel - you can also browse live rates from 120+ lenders on the site at any time.

Q: Can I refinance my existing home loan through find.deals™?

Refinancing is one of the most common reasons people use the site. Many Australians are paying too much on their existing home loan. find.deals™ helps you compare refinance rates, then we refer your enquiry to our accredited broker partner who can assess your circumstances and arrange the application.

find.deals™ is Australia's free loan comparison platform. Compare home loans, mortgage refinancing, personal loans and green loans - 1,000+ products from 120+ Australian lenders. We do not compare every lender or product.

100% free No credit score impact Big savings for you

Excellent

4.9 / 5 from 9 reviews

7.34% p.a. 7.34% comparison

7.09% p.a. 7.10% comparison

6.44% p.a. 6.57% comparison

6.39% p.a. 6.42% comparison

6.39% p.a. 6.41% comparison

6.34% p.a. 6.38% comparison

6.29% p.a. 6.32% comparison

Lowest*

6.09% p.a. 6.11% comparison

*Lowest rate on our live CDR feed at the time of viewing, across the lenders shown. Rates update daily and not all lenders are included, so other products may be lower. Lender eligibility criteria apply. Comparison rates calculated on a $150,000 loan over 25 years. 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.

*Illustrative. $650k loan, 6.20% (RBA avg outstanding owner-occupier variable, August 2026) to 6.09% (Macquarie, lowest shown above), 30 yr. Annual difference in principal and interest repayments (paid monthly), before fees and switching costs - not a projection. Lender eligibility criteria apply. Last updated: 19 October 2026.

120+ Australian lenders
Rates updated daily
100% free, no obligation

How find.deals™ saves you time and money!

Whether you prefer to compare in your own time or want guidance from our accredited broker partner, find.deals™ makes it easy to compare over 1,000+ products from 120+ lenders in under 2 minutes. Choose an option below to get started.

Do it yourself

Compare rates and shortlist options from Australia's top lenders in a few clicks.

Compare rates online

Lender A

6.29% p.a.

Lender B

6.19% p.a.

Lender C

6.24% p.a.

Lender D Lowest

6.09% p.a.

Illustrative layout only - not real lenders, rates or offers

Live agent assistance

Review your options online, then we refer your enquiry to our accredited broker partner, who compares products under the Australian Credit Licence they are authorised under.

Hi! Looking for a better rate?

Yes - my current rate feels too high

Full service

Send us your details. We refer your enquiry to our accredited broker partner, who compares lenders and handles your application under the NCCP Act.

Why Compare Loans with find.deals™?

find.deals™ is Australia's specialist loan comparison platform. Unlike general comparison sites, we focus exclusively on helping Aussies find better rates on home loans, and mortgage refinancing.

1,000+

Products

Compare 1,000+ Products

Access rates from 120+ lenders including major banks, credit unions, and specialist lenders - all in one place.

$1,100+

Savings*

Illustrative Annual Savings

Indicative annual savings from switching to one of today's lowest CDR-tracked home loan rates.

< 2 min

To compare

Compare in Under 2 Minutes

Enter your details once. Our accredited broker partner calls you and helps you compare options across their lender panel.

Cost to you

100% Free, No Hidden Costs

In order to keep our service free for consumers, we may receive a referral fee from our broker partner, paid from their commission, never by you.

*Illustrative figure only. Based on a $650k home loan over 30 years, moving from 6.20% (RBA average rate on outstanding owner-occupier variable loans, August 2026) to the average of the 5 lowest unique-lender broadly available CDR rates (5.98%). Lender eligibility criteria apply. Annual difference in principal and interest repayments (paid monthly), before fees and switching costs - not a projection over the loan term. Your actual savings depend on loan size, term, rate and lender assessment. Last updated: 19 October 2026.

Choose your loan journey

Whether you're buying your first home, refinancing, or financing solar, pick the path that matches where you are - we'll compare lenders for you.

Home Loans

Compare 120+ lenders

Green Home Loans

Efficiency discounts

Refinance

Lower your repayments

First Home Buyers

Grants & schemes guide

Personal Loans

From 5.60% p.a. (6.65% comparison rate*)

Green Loans

Solar, EV & sustainability

The find.deals™ difference

Your loan shouldn’t cost more than it needs to.

Rates change. Lenders compete. Your situation evolves. find.deals™ surfaces the better deal you didn’t know was there - in minutes, not days.

Live bank rates

Refreshed daily from 17+ Australian banks via the Consumer Data Right. No stale numbers, no guesswork.

True side-by-side

Every product shows the real rate, comparison rate, monthly repayment and features - no marketing fluff.

Built for where you live

State pages use local median loan sizes and lender options, so every comparison reflects your market.

Free to enquire

Our accredited broker partner (an authorised credit representative under an Australian Credit Licence) is on hand when you want a real person to walk you through the details.

Compare by Product

Explore all the ways find.deals™ can help you save.

Home Loans

Compare variable and fixed home loans from 120+ Australian lenders. Find the lowest rates across all states.

Green Home Loans

Get rate discounts for energy-efficient homes. Compare green home loan products with sustainability benefits.

Refinance

Lower your repayments by refinancing. Compare cashback offers, lower rates, and better features from 120+ lenders.

First Home Buyers

Discover grants, stamp duty concessions, and low-deposit schemes. Compare first home buyer loans by state.

Personal Loans

Compare personal loan rates from 5.60% p.a. (6.65% comparison rate*) Find secured, unsecured, fixed, and variable options.

Green Loans

Finance solar panels, batteries, EVs, and home upgrades. Compare green personal loans with competitive rates.

Car Loans

Compare new and used car loan rates from Australian lenders. Find secured and unsecured options with fast approval.

See Today's Lowest Home Loan Rates

As of October 2026, the lowest variable home loan rates in Australia start from 5.92% p.a. (5.98% comparison rate) for owner-occupiers paying principal and interest with an LVR below 80%. The RBA cash rate sits at 4.60%, up from 4.35% in August 2026, and major lenders have passed on recent increases unevenly.

Lender	Product	Rate (p.a.)	Comparison Rate	Monthly ($600K/30yr)	Features
MACARTHUR CREDIT UNION LTD	GOVT LOW DEP VARIABLE OOC PI	5.92%	5.98%	$3,567	Redraw, Digital banking, PayID, NPP
SCCU	BROKER HOME LOAN	5.93%	6.28%	$3,570	Offset, Redraw
SCCU	EMONEY HOME LOAN	5.93%	6.28%	$3,570	Offset, Redraw
NORTHERN INLAND CREDIT UNION LTD.	Value Home Loan - Owner Occupied	5.94%	5.98%	$3,574	Redraw, Digital banking
The Mutual Bank	Budget Home Loan	6.04%	6.04%	$3,613	Digital banking, Redraw
Macquarie verified Sep 23	Basic Home Loan	6.09%	6.11%	$3,632	Offset, Redraw
South West Slopes Credit Union	Intro Discounted Standard Variable Home Loan	6.10%	6.10%	$3,636	Digital banking, Redraw, Offset, NPP
South West Slopes Credit Union	Optimum 2 Year Fixed Rate Home Loan	6.10%	6.10%	$3,636	Digital banking, NPP, Redraw
South West Slopes Credit Union	Optimum 3 Year Fixed Rate Home Loan	6.10%	6.10%	$3,636	Digital banking, NPP, Redraw
POLICE CREDIT UNION LIMITED	Low Rate Home Loan Special Offer - Owner Occupied	6.14%	6.18%	$3,651	Digital banking, NPP, PayID, Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	REFI SPECIAL OWNER OCCUPIED	6.14%	6.24%	$3,651	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	2 FIXED RATE HOME LOAN	6.14%	6.14%	$3,651	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	1 YEAR FIXED RATE LOAN	6.14%	6.14%	$3,651	Offset, Redraw
Bendigo Bank	Bendigo Express Home Loan	6.14%	6.27%	$3,651	Redraw, Offset
Community First Credit Union	Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)	6.15%	6.20%	$3,655	Digital banking, Redraw
Bank of China	Discount Plus Home Loan (with Principal and Interest Repayment)	6.18%	6.56%	$3,667	Redraw, Offset, Digital banking
Bank of China	Discount Home Loan (With Principal and Interest Repayment)	6.18%	6.38%	$3,667	Redraw, Digital banking
Bank of us	Flexidiscount Home Loan	6.19%	6.19%	$3,671	Redraw, Digital banking, NPP
FIRST OPTION BANK	SIMPLE HOME LOAN	6.19%	6.19%	$3,671	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Premium Smart Home Loan	6.19%	6.25%	$3,671	Redraw, Offset, Digital banking
Up	Up Home Loan	6.20%	6.20%	$3,675	Digital banking, Offset, Redraw
Bank of us	TOPLINE HOME LOAN	6.24%	6.24%	$3,690	NPP, Redraw, Digital banking, Offset
UNITY BANK	Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO	6.24%	6.29%	$3,690	Offset, Redraw, PayID, NPP, Digital banking
BankWAW	Back to Basics Owner Occupied	6.24%	6.29%	$3,690	Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%	6.24%	6.30%	$3,690	Redraw, Offset
FIRST OPTION BANK	COMPLETE PACKAGE HOME LOAN	6.24%	6.59%	$3,690	Redraw, Digital banking, Offset
BankVic	Home Loan Special Variable Rate	6.24%	6.24%	$3,690	Redraw, Offset
Cairns Bank	CLASSIC HOME LOAN VARIABLE <60 LVR PI	6.24%	5.95%	$3,690	Redraw
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan New Borrowing	6.24%	6.58%	$3,690	Redraw, Offset, Digital banking
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan New Borrowing INV	6.24%	6.58%	$3,690	Redraw, Offset, Digital banking
HUME BANK LIMITED	liteBlue O/Occ P+I (up to 60%LVR)	6.24%	6.25%	$3,690	Digital banking, Redraw
Community First Credit Union	BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)	6.29%	6.66%	$3,710	Offset, Redraw, Digital banking
ING	Mortgage Simplifier	6.29%	6.32%	$3,710	Digital banking, PayID, NPP, Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE 60-80 LVR PI	6.29%	6.00%	$3,710	Redraw
A-Auswide Bank	BASIC HOME LOAN	6.29%	6.32%	$3,710	Redraw, NPP, PayID
Credit Union SA	Variable Home Loan Package Specials	6.29%	6.66%	$3,710	Redraw, Offset, Digital banking
Tiimely	Tiimely Basic Home Loan	6.29%	6.30%	$3,710	Redraw
Easystreet	STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)	6.29%	6.34%	$3,710	Offset, Redraw
NRMA Insurance	NRMA Basic Home Loan	6.33%	6.37%	$3,726	Redraw
UNITY BANK	Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset	6.34%	6.39%	$3,729	Redraw, PayID, NPP, Digital banking
UNITY BANK	Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO	6.34%	6.39%	$3,729	Offset, Redraw, PayID, NPP, Digital banking
BankWAW	Home Equity Loan Owner Occupied	6.34%	6.37%	$3,729	Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70%	6.34%	6.40%	$3,729	Redraw, Offset
Cairns Bank	PLUS HOME LOAN VARIABLE <60 LVR	6.34%	6.27%	$3,729	Redraw, Offset
HUME BANK LIMITED	liteBlue O/Occ P+I (60%-80% LVR)	6.34%	6.35%	$3,729	Digital banking, Redraw
Credit Union SA	XL Home Loan Package	6.34%	6.71%	$3,729	Redraw, Offset, Digital banking
Credit Union SA	Variable Home Loan Package Specials	6.34%	6.71%	$3,729	Redraw, Offset, Digital banking
HUME BANK LIMITED	myBlue Variable O/Occ P+I (up to 60% LVR)	6.34%	6.34%	$3,729	Redraw, Digital banking, Offset
BankVic	Fixed Rate Home Loan - 5 years	6.35%	6.35%	$3,733
BankVic	Fixed Rate Home Loan - 3 years	6.35%	6.35%	$3,733
BankVic	Fixed Rate Home Loan - 4 years	6.35%	6.35%	$3,733
BankVic	Fixed Rate Home Loan - 1 year	6.35%	6.35%	$3,733
BankVic	Fixed Rate Home Loan - 2 years	6.35%	6.35%	$3,733
BankVic	Home Loan Variable Rate	6.35%	6.35%	$3,733	Redraw
Qudos Bank	Low Cost Value Package	6.38%	6.56%	$3,745	Offset, Redraw
Qantas Money	QANTAS Money Basic Home Loan	6.38%	6.45%	$3,745	Redraw
Qudos Bank	No Frills Home Loan	6.38%	6.38%	$3,745	Digital banking, NPP, PayID, Redraw
Bendigo Bank	Bendigo Easy Home Loan	6.38%	6.40%	$3,745	Redraw
CommBank	Digi Home Loan (Owner Occupied)	6.39%	6.41%	$3,749	Redraw, Digital banking, Offset
BankVic	Offset Variable Rate Home Loan	6.39%	6.39%	$3,749	Redraw, Offset
POLICE CREDIT UNION LIMITED	Renovation Loan - Owner Occupied	6.39%	6.46%	$3,749	Digital banking, NPP, PayID, Redraw, Offset
POLICE CREDIT UNION LIMITED	Low Rate Home Loan - Owner Occupied	6.39%	6.46%	$3,749	Digital banking, NPP, PayID, Redraw, Offset
ORANGE CREDIT UNION LTD	Basic Variable Rate Home Loan	6.39%	6.44%	$3,749	Redraw
Cairns Bank	PLUS HOME LOAN VARIABLE 60-80 LVR PI	6.39%	6.32%	$3,749	Redraw, Offset
Bendigo Bank	Single Parents (Bendigo Complete Home Loan)	6.43%	6.65%	$3,765	Offset, Redraw
Bank of Queensland	Economy Variable Home Loan	6.44%	6.58%	$3,769	Redraw, Digital banking
UNITY BANK	Advantage Home Loan - Owner Occupied - Variable P&I - With Offset	6.44%	6.49%	$3,769	Redraw, Offset, PayID, Digital banking, NPP
UNITY BANK	Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO	6.44%	6.49%	$3,769	Offset, Redraw, PayID, NPP, Digital banking
ING	Orange Advantage	6.44%	6.73%	$3,769	Digital banking, PayID, NPP, Redraw, Offset
Bank of Sydney	BOS Basic Home Loan Owner Occupied	6.44%	6.48%	$3,769	Redraw, Digital banking
The Mutual Bank	Package Home Loan	6.44%	6.80%	$3,769	Offset, Redraw, Digital banking
NAB	NAB Tailored Home Loan	6.44%	6.57%	$3,769	Offset, Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (60.01 - 80.00% LVR)	6.44%	6.44%	$3,769	Redraw, Digital banking, Offset
Community First Credit Union	Go Basic Variable Home Loan - Owner-occupied LVR 95% (Principal and Interest)	6.45%	6.50%	$3,773	Digital banking, Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%	6.49%	6.55%	$3,788	Redraw, Offset
Defence Bank Limited	Premier Low Rate	6.49%	6.49%	$3,788	Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	BASIC VARIABLE LOAN	6.49%	6.59%	$3,788	Redraw, Offset
Cairns Bank	CLASSIC HOME LOAN VARIABLE 80-90 LVR PI	6.49%	6.20%	$3,788	Redraw
Aussie Home Loans	Aussie Elevate Basic Home Loan	6.54%	6.56%	$3,808	Redraw
Connective Select Home Loans	Connective Select Basic Home Loan	6.54%	6.56%	$3,808	Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 12 mths P&I Owner Occupied	6.54%	6.54%	$3,808	Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 24 mths P&I Owner Occupied	6.54%	6.54%	$3,808	Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 36 mths P&I Owner Occupied	6.54%	6.54%	$3,808	Offset, Redraw
AFG Home Loans Alpha	AFG Alpha Basic Home Loan	6.54%	6.56%	$3,808	Redraw
HUME BANK LIMITED	liteBlue O/Occ P+I (80%-90% LVR)	6.54%	6.55%	$3,808	Digital banking, Redraw
Community First Credit Union	BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)	6.59%	6.96%	$3,828	Offset, Redraw, Digital banking
Unknown lender	Standard Variable Plus	6.59%	6.75%	$3,828	Redraw, Offset
Defence Bank Limited	Premier Home Loan	6.59%	6.59%	$3,828	Offset, Redraw
Cairns Bank	PLUS HOME LOAN VARIABLE 80-90 LVR PI	6.59%	6.51%	$3,828	Redraw, Offset
LCU	Intelligent Mortgage 1 Year Fixed	6.60%	6.61%	$3,832	Redraw, Digital banking, NPP, PayID
LCU	Intelligent Mortgage 2 Years Fixed	6.60%	6.63%	$3,832	Redraw, Digital banking, NPP, PayID
LCU	Intelligent Mortgage Variable	6.60%	6.62%	$3,832	Redraw, Offset, Digital banking, NPP, PayID
Bank of Sydney	Expect More Home Loan Owner Occupied	6.64%	6.79%	$3,848	Digital banking, Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Variable	6.64%	6.69%	$3,848	Offset, Redraw
Bank Australia	Basic Home Loan	6.64%	6.64%	$3,848	Digital banking, Redraw
Bank Australia	Offset Home Loan	6.64%	6.82%	$3,848	Digital banking, Offset, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (80.01-90.00% LVR)	6.64%	6.64%	$3,848	Redraw, Digital banking, Offset
NAB	NAB Base Variable Rate Home Loan	6.69%	6.69%	$3,868	Redraw, Digital banking
Cairns Bank	CLASSIC HOME LOAN VARIABLE >90 LVR PI	6.69%	6.40%	$3,868	Redraw
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan Variable PI Owner Occupied	6.69%	7.03%	$3,868	Redraw, Offset, Digital banking
RACQ Bank	Fair Dinkum Home Loan	6.69%	6.69%	$3,868	Digital banking, NPP
Liberty Financial	Low rate home loan	6.74%	6.82%	$3,888	Redraw
MACARTHUR CREDIT UNION LTD	LOW LVR OOC P&I	6.74%	6.81%	$3,888	Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	STANDARD VARIABLE LOAN	6.74%	6.84%	$3,888	Redraw, Offset
HUME BANK LIMITED	liteBlue O/Occ I/O(up to 60% LVR)	6.74%	6.48%	$3,888	Digital banking, Redraw
Community First Credit Union	Community Advantage Variable Owner Occupied (Principal and Interest)	6.79%	6.84%	$3,908	Redraw
Defence Bank Limited	Ultimate Essentials I/O Con	6.79%	6.88%	$3,908	Offset, Digital banking
Qudos Bank	Construction Home Loan	6.79%	6.65%	$3,908
Cairns Bank	PLUS HOME LOAN VARIABLE >90 PI	6.79%	6.71%	$3,908	Redraw, Offset
RACQ Bank	Mortgage Saver Home Loan	6.79%	6.83%	$3,908	Digital banking, NPP, Redraw
Bank of Queensland	Clear Path Variable Home Loan	6.84%	6.96%	$3,928	Offset, Redraw
Liberty Financial	Debt consolidation home loan	6.84%	7.11%	$3,928	Offset, Redraw
Liberty Financial	Flexible home loan	6.84%	7.11%	$3,928	Offset, Redraw
Defence Bank Limited	Ultimate Essentials Construction (INV)	6.84%	6.93%	$3,928	Offset, Digital banking, Redraw
Defence Bank Limited	Ultimate Essentials Variable	6.84%	6.93%	$3,928	Digital banking, Offset, Redraw
AMP - My AMP	Equity Flex	6.84%	7.15%	$3,928	Redraw, Offset, Digital wallet, Digital banking
HUME BANK LIMITED	liteBlue O/Occ I/O (60%-80% LVR)	6.84%	6.58%	$3,928	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (up to 60% LVR)	6.84%	6.56%	$3,928	Redraw, Digital banking, Offset
HORIZON BANK	Home Sweet Home Loan	6.89%	7.12%	$3,948	Redraw, Digital banking, NPP, Offset
CENTRAL WEST CREDIT UNION LTD	Minimiser Home Loan	6.89%	6.95%	$3,948	Redraw, Digital banking
IMB Bank	Budget Home Loan	6.89%	6.95%	$3,948	Digital banking, Redraw
IMB Bank	Essentials Home Loan	6.89%	7.00%	$3,948	Offset, Digital banking, Redraw
RACQ Bank	Mortgage Breaker Owner Occupied	6.89%	6.93%	$3,948	NPP, Digital banking, Offset, Redraw
Bank of us	TOPLINE RES. INV. LOAN	6.94%	7.01%	$3,968	NPP, Redraw, Digital banking, Offset
St. George Bank	Basic Variable Home Loan	6.94%	6.95%	$3,968	Redraw, Digital banking
Bank of Melbourne	Basic Variable Home Loan	6.94%	6.95%	$3,968	Redraw, Digital banking
BankSA	Basic Variable Home Loan	6.94%	6.95%	$3,968	Redraw, Digital banking
POLICE CREDIT UNION LIMITED	Better Home Loan 80% LVR - Owner Occupied	6.94%	7.01%	$3,968	Digital banking, NPP, PayID, Redraw, Offset
POLICE CREDIT UNION LIMITED	Better Home Loan 90% LVR - Owner Occupied	6.94%	7.01%	$3,968	Digital banking, NPP, PayID, Redraw, Offset
Defence Bank Limited	Ultimate Essentials I/O	6.94%	7.02%	$3,968	Offset, Digital banking
QBANK	Classic Home Loan	6.94%	6.96%	$3,968	Redraw
HUME BANK LIMITED	liteBlue O/Occ P+I (90%-95% LVR)	6.94%	6.95%	$3,968	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (60.01 - 80.00% LVR)	6.94%	6.66%	$3,968	Redraw, Digital banking, Offset
Newcastle Permanent	Real Deal Home Loan Principal and Interest	6.99%	7.03%	$3,988	Redraw, Digital banking
MACARTHUR CREDIT UNION LTD	LOW LVR INV P&I HOME LOAN	7.04%	7.11%	$4,008	Redraw
QBANK	Classic Plus Home Loan	7.04%	7.31%	$4,008	Offset, Redraw
AMP - My AMP	AMP Essential Home Loan	7.04%	7.07%	$4,008	Redraw
HUME BANK LIMITED	liteBlue O/Occ I/O (80%-90% LVR)	7.04%	6.78%	$4,008	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (90.01 -95.00% LVR)	7.04%	7.04%	$4,008	Redraw, Digital banking, Offset
Westpac	Flexi First : Our lowest online variable home loan rate (Owner Occupied)	7.09%	7.10%	$4,028	Redraw, Digital banking
Bank of us	FLEXICHOICE HOME LOAN	7.11%	7.32%	$4,036	NPP, Redraw, Digital banking, Offset
NRMA Insurance	NRMA Offset Home Loan	7.13%	7.33%	$4,044	Offset, Redraw
Bendigo Bank	Bendigo Complete Home Loan	7.13%	7.35%	$4,044	Offset, Redraw
Bendigo Bank	Bendigo Flex Home Loan	7.13%	7.30%	$4,044	Offset, Redraw
Bendigo Bank	Bendigo Flex Home Loan (Retail)	7.13%	7.33%	$4,044	Offset, Redraw
Tiimely	Tiimely Offset Home Loan	7.14%	7.30%	$4,048	Offset, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (80.01-90.00% LVR)	7.14%	6.86%	$4,048	Redraw, Digital banking, Offset
CENTRAL WEST CREDIT UNION LTD	Smart Fixed Rate Home Loan 2 year	7.15%	7.15%	$4,052	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Smart Fixed Rate Home Loan 1 year	7.15%	7.15%	$4,052	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Smart Home Loan	7.15%	7.21%	$4,052	Redraw, Offset, Digital banking
Health Professionals Bank	Your Way Plus Home Loan	7.19%	7.48%	$4,069	Redraw, Digital banking, Offset
Health Professionals Bank	Your Way Home Loan	7.19%	7.26%	$4,069	Redraw, Digital banking
UniBank	Your Way Plus Home Loan	7.19%	7.48%	$4,069	Redraw, Digital banking, Offset
UniBank	Your Way Home Loan	7.19%	7.26%	$4,069	Redraw, Digital banking
BankWAW	Flexible Choice Owner Occupied	7.24%	7.29%	$4,089	Redraw, Offset
Liberty Financial	Low doc home loan	7.24%	7.51%	$4,089	Redraw, Offset
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest	7.24%	7.30%	$4,089	Offset, Redraw
AMP - My AMP	AMP Superedge Loan	7.24%	7.61%	$4,089	Offset, Digital wallet, Digital banking
Credit Union SA	Variable Home Loan Package Principal and Interest	7.24%	7.59%	$4,089	Redraw, Offset, Digital banking
Qantas Money	QANTAS Money Offset Home Loan	7.28%	7.50%	$4,105	Offset, Redraw
Credit Union SA	Discounted Variable Rate Home Loan Principal and Interest	7.29%	7.32%	$4,109	Redraw, Digital banking
ANZ	ANZ Simplicity PLUS	7.34%	7.34%	$4,130	Digital banking, Redraw
Newcastle Permanent	Premium Plus Package Variable Home Loan Principal and Interest	7.35%	7.67%	$4,134	Digital banking, Offset, Redraw
Aussie Home Loans	Aussie Elevate Offset Home Loan	7.39%	7.56%	$4,150	Offset, Redraw
ME Bank	ME Bank CompleteME Home Loan	7.39%	7.75%	$4,150	Offset, Digital banking, Redraw
Liberty Financial	Fresh start home loan	7.39%	7.73%	$4,150	Redraw
Connective Select Home Loans	Connective Select Offset Home Loan	7.39%	7.56%	$4,150	Offset, Redraw
AFG Home Loans Alpha	AFG Alpha Offset Home Loan	7.39%	7.56%	$4,150	Offset, Redraw
UniBank	Your Way Home Loan	7.44%	7.36%	$4,171	Redraw, Digital banking
ANZ	ANZ Standard Variable home loan	7.49%	7.49%	$4,191	Digital banking, Redraw, Offset
Credit Union SA	Standard Variable Rate Home Loan Principal and Interest	7.49%	7.54%	$4,191	Offset, Redraw
AMP - My AMP	Professional Package	7.52%	7.92%	$4,204	Redraw, Offset, Digital wallet, Digital banking
HUME BANK LIMITED	liteBlue O/Occ I/O (90%-95% LVR)	7.54%	7.23%	$4,212	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Mortgage Equity Loan	7.60%	9.02%	$4,236	Redraw, Digital banking
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K	7.62%	7.69%	$4,245	Redraw, Digital banking, PayID, NPP
HUME BANK LIMITED	myBlue Variable O/Occ I/O (90.01 -95.00% LVR)	7.64%	7.31%	$4,253	Redraw, Digital banking, Offset
NORTHERN INLAND CREDIT UNION LTD.	Smart Home Loan Variable	7.69%	7.86%	$4,274	Redraw, Offset, Digital banking
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K	7.72%	7.79%	$4,286	Redraw, Digital banking, PayID, NPP
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interst - Principal and Interest - LVR > 80%	7.74%	7.81%	$4,294	Offset, Redraw
POLICE CREDIT UNION LIMITED	Standard Variable Home Loan 80% LVR - Owner Occupied	7.74%	7.81%	$4,294	Offset, Redraw, NPP
POLICE CREDIT UNION LIMITED	Standard Variable Home Loan 90% LVR - Owner Occupied	7.74%	7.81%	$4,294	NPP, Offset, Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	HOME EQUITY LOAN	7.74%	7.85%	$4,294	Redraw
Bank of Queensland	BOQ Essential Home Loan	7.82%	7.84%	$4,328	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K	7.82%	7.89%	$4,328	Redraw, Digital banking, PayID, NPP
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I	7.92%	7.99%	$4,369	Redraw, Digital banking, PayID, NPP
MACARTHUR CREDIT UNION LTD	MORTGAGE OFFSET OWNER OCCUPIED P&I	7.92%	7.99%	$4,369	Redraw, Digital banking, NPP, PayID, Offset
CommBank	Standard Variable Rate Home Loan (Owner Occupied)	7.99%	8.35%	$4,398	Redraw, Offset, Digital banking
CommBank	Simple Home Loan (Owner Occupied)	7.99%	8.13%	$4,398	Redraw, Offset, Digital banking
Virgin Money Australia	Virgin Money Lite Home Loan	8.02%	8.04%	$4,411	Digital banking, Redraw
HORIZON BANK	HANDYLOAN	8.14%	8.14%	$4,461	Digital banking, PayID, NPP, Digital wallet
AMP - My AMP	Land Loan	8.20%	8.26%	$4,487	Redraw, Digital banking
BOQ Specialist	Basic Home Loan	8.27%	8.45%	$4,516	Redraw
Virgin Money Australia	Virgin Money Loaded Home Loan	8.41%	8.68%	$4,575	Offset, Digital banking, Redraw
Bank of Queensland	BOQ Plus Home Loan	8.49%	8.76%	$4,609	Digital banking, Redraw
Bankwest	Bankwest Simple Home Loan	8.62%	8.65%	$4,665	NPP, Digital banking, Offset, Redraw
Bankwest	Complete Variable Home Loan Package	8.62%	8.99%	$4,665	NPP, Digital banking, Offset, Redraw
Bank of China	Standard Variable Rate Home Loan	8.64%	8.71%	$4,673	Redraw, Digital banking
The Mutual Bank	Express Credit Facility	8.89%	8.89%	$4,780	PayID, NPP, Digital banking, Digital wallet
ANZ Plus	ANZ Plus Home Loan Variable	8.89%	8.89%	$4,780	Redraw, Offset, Digital banking
Westpac	Premium Options Home Loan	9.08%	9.08%	$4,862	Redraw
Liberty Financial	Low deposit home loan	9.14%	9.89%	$4,888	Offset, Redraw
IMB Bank	Standard Variable Home Loan	9.21%	9.28%	$4,919	Offset, Digital banking, Redraw
Bank of Melbourne	Variable Home Loan with Offset	9.34%	9.48%	$4,975	Offset, Redraw, Digital banking
BankSA	Variable Home Loan with Offset	9.35%	9.49%	$4,980	Offset, Redraw, Digital banking
St. George Bank	Variable Home Loan with Offset	9.36%	9.50%	$4,984	Offset, Redraw, Digital banking
Westpac	Rocket Loan : Variable Home Loan with Offset (Owner Occupied)	9.38%	9.52%	$4,993	Redraw, Offset, Digital banking
UNITY BANK	Retirees Access Home Loan	9.50%	9.60%	$5,045	Redraw, PayID, NPP, Digital banking
Bank of Melbourne	Relocation Loan with end	9.63%	9.45%	$5,102
Bank of Melbourne	Relocation Loan without end	9.63%	9.45%	$5,102
BankSA	Relocation Loan with end	9.64%	9.46%	$5,107
BankSA	Relocation Loan without end	9.64%	9.46%	$5,107
St. George Bank	Relocation Loan with end	9.65%	9.47%	$5,111
St. George Bank	Relocation Loan without end	9.65%	9.47%	$5,111
BOQ Specialist	Plus Home Loan	9.69%	9.69%	$5,129
BOQ Specialist	Home Loan Banking Package	9.87%	10.33%	$5,208
A-Auswide Bank	HOME LOAN PLUS	10.01%	10.17%	$5,270	Offset, Redraw, NPP, PayID
NAB	NAB FlexiPlus Mortgage	10.36%	10.36%	$5,426	Digital banking
Bank of Sydney	Home Equity Maximiser Owner Occupied	11.90%	11.90%	$6,126	Digital banking

Rates based on $600,000 owner-occupier P&I loan, 80% LVR. Rates are indicative and subject to change. "Lowest" = the lowest rate on our live CDR feed at the time of viewing, across the lenders we display, excluding products restricted to particular professions, first home buyers or government schemes. Each lender's eligibility criteria still apply and the lowest rate may not be available to you. Rates update daily and not all lenders are included, so other products may be lower. Source: Consumer Data Right (CDR), lender websites. Last updated: 19 October 2026. 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.

Savings example: On a $600,000 loan over 30 years, cutting your rate by 0.60% saves approximately $230/month. Illustrative only - actual savings depend on your loan.

0 lenders included

Live CDR rates

Save up to $1,408/year* by switching home loan

Compare your current rate against the lowest variable rate on our live Consumer Data Right feed - 5.92% p.a. across 60+ Australian lenders.

60 second enquiry, no credit check
We refer your enquiry to our accredited broker partner
Free service, no obligation

*Illustrative only. Based on a $650,000 loan over 30 years moving from 6.20% (RBA average rate on outstanding owner-occupier variable loans, August 2026) to 5.92%, the lowest broadly available variable rate on our CDR feed. Lender eligibility criteria apply and it may not be available to you. Annual difference in principal and interest repayments (paid monthly), before fees and switching costs - not a projection over the loan term. Actual savings depend on your loan details and lender assessment.

Home Loan Calculators

Estimate your borrowing power and repayments before you apply.

Borrowing Power Calculator

Estimate how much you could borrow based on your income and expenses. Factors in APRA's 3% serviceability buffer.

Your gross annual income

Partner income (optional)

Monthly existing debts

Dependents

Repayment Calculator

Calculate your monthly, fortnightly or weekly home loan repayments and total interest paid.

Loan amount

Interest rate (% p.a.)

Loan term (years)

Frequency

Offset accounts work harder: Parking $50,000 in a 100% offset against a $600,000 loan at our lowest rate of 5.92% reduces interest charges by roughly $2,960/year while keeping the cash fully accessible - and shaves around 3 years off a 30-year term if left untouched. Try it in the repayment calculator below.

We compare Australia's biggest lenders

(to save you the run-around)

+ many more

Home Loans Refinance First Home Buyers Green Home Loans Personal Loans Car Loans Green Loans

Compare Home Loans by State

Find the best home loan rates, first home buyer grants and stamp duty concessions in your state.

New South Wales

NSW

Victoria

VIC

Queensland

QLD

Western Australia

South Australia

Tasmania

TAS

ACT

Australian Capital Territory

Northern Territory

Explore Our Guides

Free, plain-English guides to help you compare with confidence before you enquire.

Home Loan Guide

Rates, types and how to compare

Refinance Guide

Switch lenders and save

First Home Buyer Guide

Grants, schemes and deposits

Personal Loan Guide

Secured, unsecured and rates

Car Loan Guide

New, used and EV finance

Green Loans Guide

Solar, battery and EV loans

Green Home Loan Guide

Rate discounts for efficient homes

Frequently Asked Questions

Everything you need to know about comparing loans with find.deals™

About find.deals™

What is find.deals™ and how does it work?

Is the comparison service really free?

Who is behind find.deals™?

Can I get help from a real person?

What makes find.deals™ different?

Common Questions About Loan Comparison

Will comparing loans affect my credit score?

What types of loans can I compare?

How much can I save by comparing loans?

How long does it take to compare loans?

Can I refinance my existing home loan through find.deals™?

Ready to compare?

Start your enquiry today.

find.deals™ refers your enquiry to our accredited broker partner (an authorised credit representative under an Australian Credit Licence). find.deals™ charges you nothing; the broker provides any credit assistance and will tell you about any fee before you proceed.

Compare Loans in real-time to save!

How find.deals™ saves you time and money!

Do it yourself

Live agent assistance

Full service

Why Compare Loans with find.deals™?

Compare 1,000+ Products

Illustrative Annual Savings

Compare in Under 2 Minutes

100% Free, No Hidden Costs

Choose your loan journey

Home Loans

Green Home Loans

Refinance

First Home Buyers

Personal Loans

Green Loans

Your loan shouldn’t cost more than it needs to.

Live bank rates

True side-by-side

Built for where you live

Free to enquire

Compare by Product

Home Loans

Green Home Loans

Refinance

First Home Buyers

Personal Loans

Green Loans

Car Loans

See Today's Lowest Home Loan Rates

Save up to $1,408/year* by switching home loan

Home Loan Calculators

Borrowing Power Calculator

Repayment Calculator

We compare Australia's biggest lenders

Real stories from real customers

Compare Home Loans by State

Explore Our Guides

Frequently Asked Questions

About find.deals™

Common Questions About Loan Comparison

Ready to compare?