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1st home Home Loans

Compare home loans for first home buyers.

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.

NAB

Tailored Home Loan

5.99%
Interest Rate
6.64%
Comparison Rate
Rates as at 16 Jun 2026

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

Home Loan

6.54%
Interest Rate
7.10%
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

NAB

Tailored Home Loan

6.59%
Interest Rate
7.36%
Comparison Rate
Rates as at 16 Jun 2026

Westpac

Premier Advantage Options Home Loan

6.69%
Interest Rate
7.77%
Comparison Rate
Rates as at 28 Sep 2026

NAB

Base Rate

6.84%
Interest Rate
6.88%
Comparison Rate
Rates as at 16 Jun 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

ANZ

Fixed Home Loan

7.54%
Interest Rate
7.40%
Comparison Rate
Rates as at 28 Sep 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.

ING

Home Loan

5.79%
Interest Rate
6.07%
Comparison Rate
Rates as at 16 Jun 2026

AMP Bank

Professional Package

5.99%
Interest Rate
6.97%
Comparison Rate
Rates as at 16 Jun 2026

Bendigo Bank

Complete Home Loan

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

ING

Orange Advantage

5.99%
Interest Rate
6.12%
Comparison Rate
Rates as at 28 Sep 2026

ING

Mortgage Simplifier

6.14%
Interest Rate
6.17%
Comparison Rate
Rates as at 28 Sep 2026

AMP Bank

Essential Home Loan

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

Bankwest

Simple Home Loan

6.34%
Interest Rate
6.36%
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 Basic Promo

6.39%
Interest Rate
6.40%
Comparison Rate
Rates as at 16 Jun 2026

ING

Fixed Home Loan

6.49%
Interest Rate
6.43%
Comparison Rate
Rates as at 28 Sep 2026

Bankwest

Fixed Home Loan

6.69%
Interest Rate
8.37%
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

6.74%
Interest Rate
8.50%
Comparison Rate
Rates as at 28 Sep 2026

AMP Bank

Basic Loan

7.34%
Interest Rate
7.39%
Comparison Rate
Rates as at 16 Jun 2026

St. George

Bank Variable Home Loan

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

Online Only Lenders

Online-only lenders operate without physical branches, often passing their lower overhead costs onto borrowers in the form of lower rates and fewer fees.

loans.com.au

Fixed Home Loan

5.69%
Interest Rate
6.16%
Comparison Rate
Rates as at 16 Jun 2026

Tiimely Home

Refinance & Purchase

5.94%
Interest Rate
5.99%
Comparison Rate
Rates as at 16 Jun 2026

loans.com.au

Green Home Loan Intro

5.99%
Interest Rate
6.51%
Comparison Rate
Rates as at 16 Jun 2026

Ubank

Flex Home Loan

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

Unloan

Home Loan

5.99%
Interest Rate
5.90%
Comparison Rate
Rates as at 28 Sep 2026

WLTH

Ocean Home Loan

6.04%
Interest Rate
6.12%
Comparison Rate
Rates as at 16 Jun 2026

Ubank

Neat Home Loan

6.09%
Interest Rate
6.11%
Comparison Rate
Rates as at 28 Sep 2026

Homestar Finance

Star Essentials Home Loan

6.15%
Interest Rate
6.18%
Comparison Rate
Rates as at 16 Jun 2026

Ubank

Flex Home Loan

6.19%
Interest Rate
6.43%
Comparison Rate
Rates as at 28 Sep 2026

Athena

Straight Up

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

SuCasa

Ultra Low Rate

6.30%
Interest Rate
6.58%
Comparison Rate
Rates as at 16 Jun 2026

Athena

Power Up

6.44%
Interest Rate
6.42%
Comparison Rate
Rates as at 16 Jun 2026

Athena

Home Loan

6.64%
Interest Rate
6.17%
Comparison Rate
Rates as at 16 Jun 2026

WLTH

Ocean Home Loan

6.69%
Interest Rate
6.85%
Comparison Rate
Rates as at 16 Jun 2026

Homestar Finance

Star Choice Home Loan

6.75%
Interest Rate
6.42%
Comparison Rate
Rates as at 16 Jun 2026

Athena

Fixed Home Loan

6.89%
Interest Rate
6.11%
Comparison Rate
Rates as at 16 Jun 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.

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

Arab Bank Australia

The Basics Home Loan

5.85%
Interest Rate
5.98%
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

Police Credit Union

Fixed Home Loan

6.09%
Interest Rate
7.14%
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

BankVic

Home Loan

6.25%
Interest Rate
6.06%
Comparison Rate
Rates as at 16 Jun 2026

Adelaide Bank

Smartsaver Home Loan

6.29%
Interest Rate
6.25%
Comparison Rate
Rates as at 16 Jun 2026

Australian Military Bank

Rate Home Loan

6.30%
Interest Rate
6.82%
Comparison Rate
Rates as at 16 Jun 2026

Bank of Melbourne

Basic Promo

6.39%
Interest Rate
6.40%
Comparison Rate
Rates as at 16 Jun 2026

BankSA

Basic Promo

6.39%
Interest Rate
6.40%
Comparison Rate
Rates as at 16 Jun 2026

Australian Military Bank

Ratesaver Home Loan

6.43%
Interest Rate
6.47%
Comparison Rate
Rates as at 28 Sep 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

BankSA

Fixed Home Loan

6.74%
Interest Rate
8.49%
Comparison Rate
Rates as at 28 Sep 2026

Bank of Melbourne

Fixed Home Loan

6.94%
Interest Rate
8.07%
Comparison Rate
Rates as at 28 Sep 2026

Australian Military Bank

Standard Offset

6.98%
Interest Rate
7.02%
Comparison Rate
Rates as at 28 Sep 2026

Australian Military Bank

Value Home Loan

6.98%
Interest Rate
7.02%
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.

Reduce Home Loans

Basic Home Loan

5.89%
Interest Rate
6.41%
Comparison Rate
Rates as at 16 Jun 2026

Mortgage House

Executive Saver Home Loan

5.99%
Interest Rate
6.06%
Comparison Rate
Rates as at 16 Jun 2026

Yellow Brick Road

Select Home Loan

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

Aussie

Select Basic

6.19%
Interest Rate
6.20%
Comparison Rate
Rates as at 16 Jun 2026

Mortgage House

Advantage Home Loan Essentials

6.24%
Interest Rate
6.28%
Comparison Rate
Rates as at 16 Jun 2026

Mortgage House

Advantage Special Home Loan

6.34%
Interest Rate
6.40%
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

Firstmac

Basic Home Loan

6.64%
Interest Rate
6.67%
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

Yellow Brick Road

Essential Options Prime

7.09%
Interest Rate
7.12%
Comparison Rate
Rates as at 16 Jun 2026

Firstmac

Offset Home Loan

7.24%
Interest Rate
7.26%
Comparison Rate
Rates as at 16 Jun 2026

Reduce Home Loans

Capitalizer Home Loan

7.39%
Interest Rate
7.43%
Comparison Rate
Rates as at 16 Jun 2026

Reduce Home Loans

Offset Capitalizer

7.39%
Interest Rate
7.43%
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

Aussie

Activate Specialist Full Doc

8.44%
Interest Rate
8.73%
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

Geelong Bank

Fixed Home Loan

5.50%
Interest Rate
6.99%
Comparison Rate
Rates as at 16 Jun 2026

Hume Bank

Liteblue Spring Locals Only Exclusive Offer

5.64%
Interest Rate
5.94%
Comparison Rate
Rates as at 28 Sep 2026

Qantas

Home Loans

5.64%
Interest Rate
6.21%
Comparison Rate
Rates as at 16 Jun 2026

HSBC

Home Loan Package

5.79%
Interest Rate
6.44%
Comparison Rate
Rates as at 16 Jun 2026

BOQ

Fixed Home Loan

5.89%
Interest Rate
6.33%
Comparison Rate
Rates as at 28 Sep 2026

MyState Bank

Fixed Home Loan

5.94%
Interest Rate
7.71%
Comparison Rate
Rates as at 16 Jun 2026

Credit Union SA

Home Loan Package

5.99%
Interest Rate
6.68%
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

HSBC

Home Loan

5.99%
Interest Rate
6.95%
Comparison Rate
Rates as at 16 Jun 2026

HSBC

Home Value

5.99%
Interest Rate
5.99%
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

Commonwealth Bank

Home Loan

6.04%
Interest Rate
8.10%
Comparison Rate
Rates as at 16 Jun 2026

Bank of Sydney

Bosbasic Home Loan

6.09%
Interest Rate
6.11%
Comparison Rate
Rates as at 28 Sep 2026

BOQ

Home Loan

6.09%
Interest Rate
6.43%
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

HSBC

Standard Home Loan

6.14%
Interest Rate
6.51%
Comparison Rate
Rates as at 16 Jun 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

Macquarie Bank

Offset Home Loan

6.14%
Interest Rate
6.39%
Comparison Rate
Rates as at 16 Jun 2026

BOQ

Economy Home Loan

6.18%
Interest Rate
6.33%
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

HSBC

Home Loan Package Home Smart

6.19%
Interest Rate
6.56%
Comparison Rate
Rates as at 16 Jun 2026

ME Bank

Member Package Flexible Home Loan

6.19%
Interest Rate
6.58%
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

Freedom Lend

Home Loan

6.25%
Interest Rate
6.28%
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

Suncorp Bank

Home Package Plus First Home Buyer

6.39%
Interest Rate
6.93%
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

HSBC

Fixed Home Loan

6.49%
Interest Rate
7.27%
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

Commonwealth Bank

Wealth Package

6.59%
Interest Rate
8.00%
Comparison Rate
Rates as at 16 Jun 2026

ME Bank

Flexible Home Loan

6.64%
Interest Rate
8.21%
Comparison Rate
Rates as at 16 Jun 2026

Credit Union SA

Rate Home Loan

6.79%
Interest Rate
7.16%
Comparison Rate
Rates as at 16 Jun 2026

Suncorp Bank

Home Loan

6.84%
Interest Rate
8.30%
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

Resi

Essential Options Prime

7.09%
Interest Rate
7.12%
Comparison Rate
Rates as at 16 Jun 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

ME Bank

Basic Home Loan

7.24%
Interest Rate
7.26%
Comparison Rate
Rates as at 16 Jun 2026

HSBC

Standard Home Loan

7.91%
Interest Rate
7.97%
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