Goodrate

Construction Home Loans

Compare construction loans for building your home.

Big Four Banks

Australia's big four banks - ANZ, CBA, NAB and Westpac - dominate the financial market, account for roughly 74% of home loans in Australia by value.

Westpac

Options Home Loan

6.19%
Interest Rate
7.75%
Comparison Rate
Rates as at 16 Jun 2026

Westpac

Flexi First Option Introductory Home Loan

6.44%
Interest Rate
6.76%
Comparison Rate
Rates as at 16 Jun 2026

ANZ

Simplicity Plus

6.54%
Interest Rate
6.54%
Comparison Rate
Rates as at 28 Sep 2026

Westpac

Premier Advantage Options Home Loan

6.59%
Interest Rate
7.67%
Comparison Rate
Rates as at 28 Sep 2026

ANZ

Standard Home Loan

7.24%
Interest Rate
7.24%
Comparison Rate
Rates as at 28 Sep 2026

ANZ

Standard Home Loan

7.44%
Interest Rate
7.44%
Comparison Rate
Rates as at 16 Jun 2026

Westpac

Premier Advantage Rocket Repay Home Loan

7.44%
Interest Rate
7.77%
Comparison Rate
Rates as at 16 Jun 2026

Westpac

Flexi First Option Home Loan

8.08%
Interest Rate
8.13%
Comparison Rate
Rates as at 28 Sep 2026

Westpac

Rocket Repay Home Loan

8.73%
Interest Rate
8.86%
Comparison Rate
Rates as at 16 Jun 2026

Major banks

Major banks offer a wide range of home loan products and competitive rates, providing a strong alternative to the Big Four.

Bendigo Bank

Complete Home Loan

5.99%
Interest Rate
6.41%
Comparison Rate
Rates as at 16 Jun 2026

AMP Bank

First Home Loan

6.13%
Interest Rate
6.13%
Comparison Rate
Rates as at 28 Sep 2026

Bankwest

Simple Home Loan

6.29%
Interest Rate
6.31%
Comparison Rate
Rates as at 28 Sep 2026

Bankwest

Complete Home Loan

6.34%
Interest Rate
6.72%
Comparison Rate
Rates as at 28 Sep 2026

St. George

Bank Advantage Package

6.69%
Interest Rate
7.74%
Comparison Rate
Rates as at 16 Jun 2026

St. George

Bank Fixed Home Loan

6.84%
Interest Rate
8.72%
Comparison Rate
Rates as at 28 Sep 2026

St. George

Bank Variable Home Loan

8.81%
Interest Rate
8.95%
Comparison Rate
Rates as at 28 Sep 2026

Customer Owned Banks

Customer-owned banks, including mutual banks and credit unions, are owned by their members and often focus on community value and competitive pricing.

Police Bank

Value Home Loan

5.59%
Interest Rate
6.21%
Comparison Rate
Rates as at 28 Sep 2026

Bank Australia

Clean Energy Eco Plus Home Loan

5.69%
Interest Rate
6.37%
Comparison Rate
Rates as at 16 Jun 2026

Australian Mutual Bank

Home Loan

5.74%
Interest Rate
6.31%
Comparison Rate
Rates as at 16 Jun 2026

People's Choice

Home Loan Package First Home Buyer

5.89%
Interest Rate
6.40%
Comparison Rate
Rates as at 16 Jun 2026

Newcastle Permanent

Premium Plus Package

5.99%
Interest Rate
7.59%
Comparison Rate
Rates as at 16 Jun 2026

Arab Bank Australia

Essentials Home Loan

6.00%
Interest Rate
6.15%
Comparison Rate
Rates as at 16 Jun 2026

Auswide Bank

Basic Home Loan

6.14%
Interest Rate
6.16%
Comparison Rate
Rates as at 16 Jun 2026

Adelaide Bank

Smartfit Home Loan

6.24%
Interest Rate
6.41%
Comparison Rate
Rates as at 16 Jun 2026

Auswide Bank

Freedom Package

6.24%
Interest Rate
6.58%
Comparison Rate
Rates as at 16 Jun 2026

Bank of Melbourne

Advantage Package

6.49%
Interest Rate
7.54%
Comparison Rate
Rates as at 16 Jun 2026

BankSA

Advantage Package

6.49%
Interest Rate
7.54%
Comparison Rate
Rates as at 16 Jun 2026

Bank of Melbourne

Fixed Home Loan

6.84%
Interest Rate
8.70%
Comparison Rate
Rates as at 28 Sep 2026

BankSA

Fixed Home Loan

6.94%
Interest Rate
8.08%
Comparison Rate
Rates as at 28 Sep 2026

Bank of Melbourne

Variable Home Loan

8.79%
Interest Rate
8.93%
Comparison Rate
Rates as at 28 Sep 2026

BankSA

Variable Home Loan

8.80%
Interest Rate
8.94%
Comparison Rate
Rates as at 28 Sep 2026

Non-Bank Lenders

Non-bank lenders are financial institutions that offer home loans but don't hold a banking license, often providing more flexible lending criteria.

Yellow Brick Road

Select Home Loan

6.18%
Interest Rate
6.21%
Comparison Rate
Rates as at 16 Jun 2026

Aussie

Elevate Home Loan

6.39%
Interest Rate
6.43%
Comparison Rate
Rates as at 16 Jun 2026

Aussie

Elevate Offset

6.39%
Interest Rate
6.54%
Comparison Rate
Rates as at 16 Jun 2026

Mortgage House

Advantage Standard

6.44%
Interest Rate
6.50%
Comparison Rate
Rates as at 16 Jun 2026

Aussie

Activate Prime Full Doc

6.94%
Interest Rate
7.01%
Comparison Rate
Rates as at 16 Jun 2026

Aussie

Activate Nearprime Full Doc

7.64%
Interest Rate
7.90%
Comparison Rate
Rates as at 16 Jun 2026

Other Lenders

Compare rates from our extended network of specialized and regional lenders.

Easy Street Fin Services

Street

5.49%
Interest Rate
5.98%
Comparison Rate
Rates as at 16 Jun 2026

Illawarra Credit Union

The Works Package Home Loan

5.59%
Interest Rate
6.51%
Comparison Rate
Rates as at 16 Jun 2026

Hume Bank

Liteblue Spring Locals Only Exclusive Offer

5.79%
Interest Rate
6.09%
Comparison Rate
Rates as at 28 Sep 2026

Heritage Bank

Home Advantage

5.99%
Interest Rate
6.47%
Comparison Rate
Rates as at 16 Jun 2026

Northern Inland CU

Dream Home Loan

5.99%
Interest Rate
6.61%
Comparison Rate
Rates as at 28 Sep 2026

Credit Union SA

Home Loan Package

6.04%
Interest Rate
6.41%
Comparison Rate
Rates as at 28 Sep 2026

Macquarie Bank

Offset Home Loan

6.09%
Interest Rate
6.49%
Comparison Rate
Rates as at 16 Jun 2026

MyState Bank

Basic Home Loan

6.09%
Interest Rate
6.12%
Comparison Rate
Rates as at 16 Jun 2026

Suncorp Bank

Back To Basics

6.13%
Interest Rate
6.14%
Comparison Rate
Rates as at 28 Sep 2026

Bank of Sydney

Expect More

6.14%
Interest Rate
6.16%
Comparison Rate
Rates as at 28 Sep 2026

Hume Bank

Liteblue Home Loan

6.14%
Interest Rate
6.15%
Comparison Rate
Rates as at 28 Sep 2026

Hume Bank

Myblue Home Loan

6.14%
Interest Rate
6.14%
Comparison Rate
Rates as at 28 Sep 2026

Macquarie Bank

Basic Home Loan

6.14%
Interest Rate
6.16%
Comparison Rate
Rates as at 16 Jun 2026

Resi

Select Home Loan

6.18%
Interest Rate
6.21%
Comparison Rate
Rates as at 16 Jun 2026

MyState Bank

Variable Home Loan

6.19%
Interest Rate
6.25%
Comparison Rate
Rates as at 16 Jun 2026

Suncorp Bank

Home Package Plus

6.19%
Interest Rate
6.54%
Comparison Rate
Rates as at 16 Jun 2026

BOQ

Clear Path Home Loan

6.39%
Interest Rate
6.51%
Comparison Rate
Rates as at 16 Jun 2026

Commonwealth Bank

Extra Home Loan

6.44%
Interest Rate
6.45%
Comparison Rate
Rates as at 16 Jun 2026

Commonwealth Bank

Wealth Package Standard

6.49%
Interest Rate
6.87%
Comparison Rate
Rates as at 16 Jun 2026

St.George Bank

Advantage Package

6.49%
Interest Rate
7.54%
Comparison Rate
Rates as at 16 Jun 2026

Freedom Lend

Construction

6.55%
Interest Rate
6.30%
Comparison Rate
Rates as at 16 Jun 2026

Suncorp Bank

Home Package Plus First Home Buyer

6.74%
Interest Rate
7.09%
Comparison Rate
Rates as at 16 Jun 2026

Credit Union SA

Discounted Home Loan

7.04%
Interest Rate
7.07%
Comparison Rate
Rates as at 28 Sep 2026

Credit Union SA

Low Deposit Home Loan Package

7.14%
Interest Rate
7.50%
Comparison Rate
Rates as at 28 Sep 2026

Credit Union SA

Standard Home Loan

7.24%
Interest Rate
7.29%
Comparison Rate
Rates as at 16 Jun 2026

MyState Bank

Standard Home Loan

8.37%
Interest Rate
8.45%
Comparison Rate
Rates as at 16 Jun 2026

Commonwealth Bank

Standard Rate

8.80%
Interest Rate
8.94%
Comparison Rate
Rates as at 16 Jun 2026

Suncorp Bank

Home Loan

9.23%
Interest Rate
9.41%
Comparison Rate
Rates as at 16 Jun 2026