Creditcrest Compare

What Australian lenders publish for a home loan, for the loan you actually have.

Compare the whole cost.

Every published home loan rate for a loan, ranked by its whole cost.

What you do here. Enter a loan and see every published home loan rate for it, ranked by its whole cost.

Compare a loan Try it end to end Take the tour

You bring: A loan: amount, property value, term, repayment type
You get: Every published rate for that loan, ranked by cost
Holds the line: A fee that cannot be priced is named, not hidden

Ranked by cost over the term, fees in. Illustrative lengths.

Every figure below comes from what the lender itself published, read from 93 banks under the Consumer Data Right on 19 September 2026 — 41 days ago. 1,360 products read; anything one of them leaves unclear is said on its own row.

Loan to value ratio

80.0%

Deposit or equity

$125,000

Products ranked

294

Lenders

The difference between the ends of this list

$1,368.86 a month, and $493,268 over 30 years, between Easystreet's STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest) at 5.79% and bcu's Bridging Loan at 9.76% — 397 basis points apart. Both are rates those lenders publish for a loan at 80.0% today.

Why the property’s value is asked for

215 products here publish a rate that depends on the loan to value ratio, and each is shown at the rate published for 80.0% rather than at its lowest. On this dataset the gap between a lender's cheapest tier and its dearest runs to 218 basis points, which on $500,000 is a few hundred dollars a month — so a table built on lowest published rates would be wrong by that much, and wrong in the order as well as in the figures. Open any row to see the tiers a loan at 80.0% does not reach.

294 products ranked by cost over 30 years

By cost over 30 years — interest plus fees; the lowest rate is not always the lowest cost. The comparison rate is the lender's own, on a $150,000 loan over 25 years (National Credit Code s 161 and reg 97), not on yours.

Showing the 10 cheapest of 294 products, in order. Show all 294.

#	Lender and product	Rate	Comparison rate	Monthly	Fees	Cost over 30 years
1	EasystreetSTREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)offset	5.79% variable	5.80%	$2,930.58	none at settlement	$555,011
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens SPECIAL_ATTENDANCE (300) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late DEFAULT_NOTICE_FEE (50) — charged per transaction FAILURE_TO_COMPLY_NOTICE (25) — charged when a particular thing happens RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE (500) — charged when a particular thing happens PRODUCTION_OF_DEEDS (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens MORTGAGE_DEFAULT_NOTICE_FEE (0) — charged when a particular thing happens COPY_OF_PRINT_STATEMENT_-_FEE (1.5) — charged when a particular thing happens Features published: offset, redraw. Read from https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-SP500SEP26 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
1	The Mutual BankBudget Home Loan	5.79% variable	5.79%	$2,930.58	none at settlement	$555,011
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “LVR up to 59.99%.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted CHEQUE_ISSUING_FEE (2.5) — charged when a particular thing happens CONSENT_FEE (200) — charged when a particular thing happens DEFAULT_ADMINISTRATION_FEE (50) — charged when a particular thing happens DISCHARGE_ADMINISTRATION_FEE (200) — charged when a particular thing happens DISHONOUR_FEE (9) — charged when a particular thing happens DUPLICATE_FEE (20) — charged when a particular thing happens DUPLICATE_STATEMENT_FEE (7) — charged when a particular thing happens PHOTOCOPYING_FEE (0.5) — charged when a particular thing happens PRODUCTION_FEE (200) — charged when a particular thing happens RENEGOTIATION_FEE (300) — charged when a particular thing happens SECURITY_SUBSTITUTION_FEE (300) — charged when a particular thing happens SETTLEMENT_FEE (150) — charged when a particular thing happens VALUATION_FEE_CONSUMER_LOANS — charged on a cash advance AGENTS_COSTS — charged on a cash advance INFORMATION_FEE (20) — charged on a cash advance SWITCHING_FEE (300) — charged when a particular thing happens Features published: redraw, extra repayments. 2 things about this lender's published data that could not be read no amount or rate could be read for the fee "VALUATION_FEE_CONSUMER_LOANS", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "AGENTS_COSTS", so what it costs is unknown and is not being read as nothing Read from https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Budget_Home_Loan on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
3	UNITY BANKEssential Worker Home Loan - Owner Occupieroffset	5.80% variable	5.85%	$2,933.77	$600 at settlement	$556,753
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Comparison rate based on $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.” Fees in the figures LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge SECURITY_GUARANTOR_FEE — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement Charged only if something happens, and not counted LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, guarantor, redraw, offset. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L35_EW_OCC_PRIN on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
4	Border BankFirst Home Loana floor, not a totaloffsetrate depends on LVR	5.84% variable	5.91%	$2,946.51	$686 at settlement	$561,433 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.84%, which is the rate published for a ratio of 80% to 98%. Published maximum loan to value ratio: 98%. The lender's note on this rate: “Owner Occupied P&I LVR 80-98% C1” Fees in the figures Establishment fee — $600.00, payable at settlement Second Mortgage Consent Fee — $75.00, payable at settlement RTGS Transfer Fee — $10.50, payable at settlement Mortgage Discharge Fee — $294.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Product Split Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Independent Legal Advice/Interpreter Service — charged when a particular thing happens Substituting Securities fee (315) — charged when a particular thing happens Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens Insurance — charged when a particular thing happens Other Government Duties & Taxes — charged when a particular thing happens Additional Statement Fee — something the standard has no type for Default Notice Fee (21.5) — charged when a particular thing happens Pest & Building Inspections Fees — charged when a particular thing happens Substituting of Security Legal fee (605) — charged when a particular thing happens Stamp Duty Increase Fee — charged when a particular thing happens Arrears Letter Fee (6.5) — charged when a particular thing happens Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured Third Party Costs — something the standard has no type for PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens Production of Title Fee (110) — charged when a particular thing happens Other Legal/ Solicitors Fees — charged when a particular thing happens Excess Valuation Fee — charged when a particular thing happens Late Payment Fee (10) — charged when a payment is late Fixed Rate Lock Fee (600) — charged when a particular thing happens General Consent Fee (250) — charged when a particular thing happens Additional Valuation Fee — charged when a particular thing happens Consent to Subdivision Fee (162) — charged when a particular thing happens Legal/Securities fees — charged when a particular thing happens Early Repayment Fee — something the standard has no type for Stamp Duty — charged when a particular thing happens Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens A discharge fee of $294.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments, offset. 16 things about this lender's published data that could not be read no amount or rate could be read for the fee "Independent Legal Advice/Interpreter Service", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Government Duties & Taxes", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Statement Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Pest & Building Inspections Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty Increase Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Issue of Statutory Default Notice Legal Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PPSR Fees (Personal Properties Security Register)", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Legal/ Solicitors Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Excess Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal/Securities fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Early Repayment Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/c4ec4d46-4ce3-46a2-9612-4590cfc5a4fd on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
4	Police BankFirst Home Loana floor, not a totaloffsetrate depends on LVR	5.84% variable	5.91%	$2,946.51	$686 at settlement	$561,433 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.84%, which is the rate published for a ratio of 80% to 98%. Published maximum loan to value ratio: 98%. The lender's note on this rate: “Owner Occupied P&I LVR 80-98% C1” Fees in the figures Establishment fee — $600.00, payable at settlement Second Mortgage Consent Fee — $75.00, payable at settlement RTGS Transfer Fee — $10.50, payable at settlement Mortgage Discharge Fee — $294.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Product Split Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Independent Legal Advice/Interpreter Service — charged when a particular thing happens Substituting Securities fee (315) — charged when a particular thing happens Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens Insurance — charged when a particular thing happens Other Government Duties & Taxes — charged when a particular thing happens Additional Statement Fee — something the standard has no type for Default Notice Fee (21.5) — charged when a particular thing happens Pest & Building Inspections Fees — charged when a particular thing happens Substituting of Security Legal fee (605) — charged when a particular thing happens Stamp Duty Increase Fee — charged when a particular thing happens Arrears Letter Fee (6.5) — charged when a particular thing happens Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured Third Party Costs — something the standard has no type for PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens Production of Title Fee (110) — charged when a particular thing happens Other Legal/ Solicitors Fees — charged when a particular thing happens Excess Valuation fee — charged when a particular thing happens Late Payment Fee (10) — charged when a payment is late Fixed Rate Lock Fee (600) — charged when a particular thing happens General Consent Fee (250) — charged when a particular thing happens Additional Valuation Fee — charged when a particular thing happens Consent to Subdivision Fee (162) — charged when a particular thing happens Legal/Securities fees — charged when a particular thing happens Early Repayment Fee — something the standard has no type for Stamp Duty — charged when a particular thing happens Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens A discharge fee of $294.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: offset, redraw, extra repayments. 16 things about this lender's published data that could not be read no amount or rate could be read for the fee "Independent Legal Advice/Interpreter Service", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Government Duties & Taxes", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Statement Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Pest & Building Inspections Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty Increase Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Issue of Statutory Default Notice Legal Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PPSR Fees (Personal Properties Security Register)", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Legal/ Solicitors Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Excess Valuation fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal/Securities fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Early Repayment Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/b658de52-9d9f-496f-8564-14d66798fefb on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
6	Virgin Money AustraliaVirgin Money Lite Home Loana floor, not a totalrate depends on LVR	5.84% variable	5.86%	$2,946.51	$900 at settlement	$561,647 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.84%, which is the rate published for a ratio of 70.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.29% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 60.01% to 70% 7.19% — it is published for a loan to value ratio of 90.01% to 95% 7.19% — it is published for a loan to value ratio of 95.01% to 100% 7.19% — it is published for a loan to value ratio of 95.01% to 100% 6.54% — it is published for a loan to value ratio of 80.01% to 90% 6.24% — it is published for a loan to value ratio of 60.01% to 70% 6.24% — it is published for a loan to value ratio of 0% to 60% 6.59% — it is published for a loan to value ratio of 80.01% to 90% 7.19% — it is published for a loan to value ratio of 90.01% to 95% 7.64% — it is published for a loan to value ratio of 95.01% to 100% 7.79% — it is published for a loan to value ratio of 90.01% to 95% 5.84% — it is published for a loan to value ratio of 0% to 60% 7.79% — it is published for a loan to value ratio of 95.01% to 100% 7.79% — it is published for a loan to value ratio of 95.01% to 100% 8.45% — it is published for a loan to value ratio of 0% to 60% 6.89% — it is published for a loan to value ratio of 60.01% to 70% 8.71% — it is published for a loan to value ratio of 90.01% to 95% 5.84% — it is published for a loan to value ratio of 60.01% to 70% 6.89% — it is published for a loan to value ratio of 0% to 60% 8.71% — it is published for a loan to value ratio of 95.01% to 100% 6.84% — it is published for a loan to value ratio of 80.01% to 90% 7.77% — it is published for a loan to value ratio of 95.01% to 100% 7.77% — it is published for a loan to value ratio of 90.01% to 95% 8.71% — it is published for a loan to value ratio of 80.01% to 90% 7.79% — it is published for a loan to value ratio of 90.01% to 95% 7.64% — it is published for a loan to value ratio of 90.01% to 95% 6.49% — it is published for a loan to value ratio of 60.01% to 70% 8.45% — it is published for a loan to value ratio of 60.01% to 70% 6.34% — it is published for a loan to value ratio of 80.01% to 90% 7.14% — it is published for a loan to value ratio of 80.01% to 90% 6.49% — it is published for a loan to value ratio of 0% to 60% 6.89% — it is published for a loan to value ratio of 0% to 60% 7.14% — it is published for a loan to value ratio of 80.01% to 90% 6.89% — it is published for a loan to value ratio of 60.01% to 70% Published maximum loan to value ratio: 100%. The lender's note on this rate: “VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k” Fees in the figures Settlement Fee — $150.00, payable at settlement Security Release Fee — $350.00, charged on discharge Rate Lock Fee — $750.00, payable at settlement Application Fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Paper Statement Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Valuation Fee (for post-settlement variations) (300) — charged when a particular thing happens Valuation Fee (for new applications) (300) — charged when a particular thing happens Vouchers and other records for searching - Privacy Act (66) — charged when a particular thing happens Top up Fee (150) — charged if the contract is varied Mortgagee Sale Fee (400) — charged when a particular thing happens Vouchers and other records for searching - General search (60) — charged when a particular thing happens Legal Review Fees - Standard (350) — charged when a particular thing happens Late Payment Fee (30) — charged when a payment is late Substitution of Security Fee (300) — charged if the contract is varied Variation Fee (300) — charged if the contract is varied A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, redraw. Read from https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
7	Gateway BankGreen Plus Home Loana floor, not a totaloffset	5.85% variable	6.14%	$2,949.70	none at settlement	$561,897 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Green Plus Home Loan (<=80% LVR)” Fees in the figures Discharge Fee - First Security — $300.00, charged on discharge Discharge Fee - Per Additional Security — $95.00, charged on discharge Establishment Fee — $0.00, payable at settlement Legal Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Split Loan Account Fee — $0.00, payable at settlement Mortgage Registration Fee — $0.00, payable at settlement Rate Lock Fee — $0.00, payable at settlement Early Repayment Adjustment (ERA)(break costs) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures Annual Home Loan Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Annual Home Loan Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Valuation Fee (0) — charged when a particular thing happens Construction Progress Inspection Fee (150) — charged when a particular thing happens Construction Additional Progress Payment Fee (150) — charged when a particular thing happens Construction Final Inspection Fee (325) — charged when a particular thing happens Top Up Fee (0) — charged per transaction Switch Fee (150) — charged when a particular thing happens Security Variation Fee (0) — charged when a particular thing happens A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, offset, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/173 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
8	Greater BankDiscounted Great Rate Home Loan - Variable Owner Occupieda floor, not a total	5.84% variable	5.85%	$2,946.51	$1,230 at settlement	$561,977 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “Discounted rates include a discount on Home Loans of $150,000 or over and for owner occupied Home Loans with an LVR 80% or below and for investment Home Loan with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.” Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Title insurance premium The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Progress inspection fee — charged when a particular thing happens Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Construction Loan Draw Down Fee (80) — charged per withdrawal Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: guarantor, redraw, extra repayments. 9 things about this lender's published data that could not be read no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
9	SummerlandECO Home Loan	5.84% variable	5.90%	$2,946.51	$1,725 at settlement	$562,472
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.” Fees in the figures Loan Increase Fee — $225.00, payable at settlement Valuation Fee — $300.00, payable at settlement Guarantee Establishment Fee — $200.00, payable at settlement Valuation Fee - Construction — $800.00, payable at settlement Legal Fee — $200.00, payable at settlement Charged only if something happens, and not counted Contract Variation/Consent Fee (300) — charged when a particular thing happens Mortgage Discharge Fee (250) — charged per transaction QuickDebit Dishonour Fee (10) — charged when a particular thing happens Features published: extra repayments, guarantor, redraw. Read from https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
10	Community First Credit UnionCore Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest)a floor, not a total	5.85% variable	5.90%	$2,949.70	$2,100 at settlement	$563,997 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is calculated on a loan amount of $150,000 over a loan term of 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CR-OOPI-LVR80_Special on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.

284 further products cost more than every row above. Show all 294.

About this comparison

Easystreet STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest) costs the least over the window, but UNITY BANK Essential Worker Home Loan - Owner Occupier has repaid $1.85 more of the loan by the end of it. The ordering is by the cost of the credit and does not credit an option for that, so which of the two is the better outcome is a judgement rather than an arithmetic result.

Two or more options cost the same on these figures. Where ranks are shared the order between them is not a ranking.

174 of these products publish an offset account. Nothing on this page models one: it would depend on the balance you keep in it, this page does not ask, and a saving computed from a balance nobody stated would be a number about an imagined household. An offset would reduce the interest on the products marked as having one and on none of the others.

Fixed rates, which are not in the ranking above

Fixed for less than 30 years, and the rate they revert to is not published — so shown at what they cost while fixed, lowest rate first.

Lender and product	Rate	Fixed for	Comparison rate	Monthly	Cost while fixed
Community First Credit UnionGO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	5.85%	3 years	5.98%	$2,949.70	$88,186 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-3YRF-LVR80_SPECIAL on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Credit Union SA3-Year Fixed Home Loan Package Principal and Interesta floor, not a total	5.99%	3 years	6.57%	$2,994.54	$88,189 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 97%. Fees in the figures Application fee — $0.00, payable at settlement Settlement fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Annual fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Increase an existing home loan package (0) — charged when a particular thing happens Split Loan Fee (150) — charged when a particular thing happens Split Loan Fee (100) — charged when a particular thing happens Guarantor Application Fee (200) — charged when a particular thing happens Rate Lock Fee (600) — charged when a particular thing happens Features published: redraw, guarantor, extra repayments. Read from https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F3 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
NORTHERN INLAND CREDIT UNION LTD.Value Fixed Home Loan 12Ma floor, not a total	5.99%	1 year	5.87%	$2,994.54	$29,783 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures LOAN_MONTHLY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ALTERNATE_SECURITY_MORTGAGE (300) — charged when a particular thing happens DISCHARGE_MORTGAGE (300) — charged when a particular thing happens EARLY_PAYOUT_FIXED_RATE (300) — charged when a particular thing happens FINAL_SEARCH (0) — charged on a cash advance LATE_REPAYMENT_FEE (15) — charged when a particular thing happens MORTGAGE_CANCELLATION_FEE (150) — charged when a particular thing happens RATE_LOCK (750) — charged when a particular thing happens REGISTRATION_WITH_LRS (0) — charged on a cash advance STAFF_TRANSFER (10) — charged when a particular thing happens PEXA_ELCTRONIC_SETTLEMENT_AGENCY — charged on a cash advance MORTGAGE_VALUATION (275) — charged on a cash advance Features published: extra repayments, redraw. 4 things about this lender's published data that could not be read no amount or rate could be read for the fee "PEXA_ELCTRONIC_SETTLEMENT_AGENCY", so what it costs is unknown and is not being read as nothing the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 98; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL5F_12M on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
SummerlandFixed Rate Loana floor, not a total	5.99%	3 years	6.48%	$2,994.54	$90,289 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.” Fees in the figures Establishment Fee — $300.00, payable at settlement Loan Increase Fee — $300.00, payable at settlement Valuation Fee — $300.00, payable at settlement Legal Fee — $200.00, payable at settlement Guarantee Establishment Fee — $200.00, payable at settlement Valuation Fee - Construction — $800.00, payable at settlement Fees this could not price, and which are NOT in the figures Loan Administration Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Redraw fee - Assisted (25) — charged per transaction Redraw Fee - Electronic (0) — charged per transaction Contract Variation/Consent Fee (300) — charged when a particular thing happens Mortgage Discharge Fee (250) — charged per transaction QuickDebit Dishonour Fee (15) — charged when a particular thing happens Features published: extra repayments, guarantor, redraw. Read from https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/79 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Community First Credit UnionBOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	6.09%	3 years	6.47%	$3,026.75	$91,192 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.” Fees in the figures CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) BOOST_PACKAGE_ANNUAL_FEE_-_THE_ANNUAL_FEE_CHARGED_ON_THE_BOOST_PACKAGE_HOME_LOAN (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-3YRF-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Credit Union SA2-Year Fixed Home Loan Package Principal and Interesta floor, not a total	6.09%	2 years	6.62%	$3,026.75	$60,189 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 97%. Fees in the figures Application fee — $0.00, payable at settlement Settlement fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Annual fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Increase an existing home loan package (0) — charged when a particular thing happens Split Loan Fee (150) — charged when a particular thing happens Split Loan Fee (100) — charged when a particular thing happens Guarantor Application Fee (200) — charged when a particular thing happens Rate Lock Fee (600) — charged when a particular thing happens Features published: redraw, guarantor, extra repayments. Read from https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F2 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
HORIZON BANK3 Year Fixed Home Loana floor, not a totaloffsetrate depends on LVR	6.09%	3 years	6.59%	$3,026.75	$90,042 over 3 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.09%, which is the rate published for a ratio of 70.01% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.94% — it is published for a loan to value ratio of 0.01% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures 350_ESTABLISHMENT_FEE — $350.00, payable at settlement Fees this could not price, and which are NOT in the figures 150_OFFSET_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance Features published: offset, redraw, extra repayments. Read from https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L42_HomeLoan_Fixed3Y on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
POLICE CREDIT UNION LIMITED1 Year Fixed Rate Home Loan 95% LVR - First Home Buyerrate depends on LVR	6.09%	1 year	6.96%	$3,026.75	$31,028 over 1 year
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.09%, which is the rate published for a ratio of 0.00% to 95%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_1YR_FRHL_MAX_95_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)a floor, not a totalrate depends on LVR	6.09%	3 years	6.08%	$3,026.75	$90,117 over 3 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.09%, which is the rate published for a ratio of 70% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.20% — it is published for a loan to value ratio of 60% to 70% 6.95% — it is published for a loan to value ratio of 90% to 95% 6.97% — it is published for a loan to value ratio of 90% to 95% 6.20% — it is published for a loan to value ratio of 0% to 60% 6.22% — it is published for a loan to value ratio of 0% to 60% 5.99% — it is published for a loan to value ratio of 0% to 60% 6.39% — it is published for a loan to value ratio of 0% to 60% 6.39% — it is published for a loan to value ratio of 60% to 70% 6.52% — it is published for a loan to value ratio of 0% to 60% 6.52% — it is published for a loan to value ratio of 60% to 70% 6.97% — it is published for a loan to value ratio of 90% to 95% 6.22% — it is published for a loan to value ratio of 60% to 70% 7.22% — it is published for a loan to value ratio of 90% to 95% 7.09% — it is published for a loan to value ratio of 90% to 95% 6.09% — it is published for a loan to value ratio of 60% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property. Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.” Fees in the figures Loan Restructure Fee — $200.00, payable at settlement Break Cost Fee — $0.00, charged on discharge Approval Fee — $0.00, payable at settlement Settlement Fee — $225.00, payable at settlement Fees this could not price, and which are NOT in the figures Title Search Registration of Transfer Registration of Discharge of Mortgage Agency Settlement/Handing Fee Property Valuation Costs PEXA Processing Fee Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Monthly Service Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Registration of Mortgage The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Late Payment Notice Fee (20) — charged when a particular thing happens Loan Top Up Fee (195) — charged when a particular thing happens Discharge of Mortgage Preparation (395) — charged when a particular thing happens Default Notice Fee (30) — charged when a particular thing happens Features published: guarantor. 7 things about this lender's published data that could not be read no amount or rate could be read for the fee "Title Search", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration of Transfer", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration of Discharge of Mortgage", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Agency Settlement/Handing Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Valuation Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PEXA Processing Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration of Mortgage", so what it costs is unknown and is not being read as nothing Read from https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/f4968da6-55cc-4b5e-9ef7-4ca5a276001f on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
HORIZON BANK2 Year Fixed Home Loana floor, not a totaloffsetrate depends on LVR	6.14%	2 years	6.64%	$3,042.90	$61,039 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.14%, which is the rate published for a ratio of 70.01% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.99% — it is published for a loan to value ratio of 0.01% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures 350_ESTABLISHMENT_FEE — $350.00, payable at settlement Fees this could not price, and which are NOT in the figures 150_OFFSET_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance Features published: offset, redraw, extra repayments. Read from https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L41_HomeLoan_Fixed2Y on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.

Showing the 10 lowest fixed rates of 177 products. Show all 177.

889 products not compared, and why

Every one of these is a product a lender publishes under residential mortgages and this could not put a figure on for the loan you asked about. They are listed rather than dropped, because a comparison that quietly loses the products that did not fit is a comparison nobody can check.

Read the 10 reasons of 889

AMP Bank GO — AMP Bank GO Save
"AMP Bank GO Save" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TRANS_AND_SAVINGS_ACCOUNTS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; this product publishes no lending rates at all and 4 deposit rates, under the category TRANS_AND_SAVINGS_ACCOUNTS. A product with deposit rates and no lending rates is a deposit product, so either the category or the rates are wrong. Nothing here decides which; it is not costed as a loan. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO 6 Month Term Deposit
"AMP Bank GO 6 Month Term Deposit" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TERM_DEPOSITS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; this product publishes no lending rates at all and 1 deposit rate, under the category TERM_DEPOSITS. A product with deposit rates and no lending rates is a deposit product, so either the category or the rates are wrong. Nothing here decides which; it is not costed as a loan. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO 6 Month Business Term Deposit
"AMP Bank GO 6 Month Business Term Deposit" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO 12 Month Term Deposit
"AMP Bank GO 12 Month Term Deposit" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TERM_DEPOSITS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; this product publishes no lending rates at all and 1 deposit rate, under the category TERM_DEPOSITS. A product with deposit rates and no lending rates is a deposit product, so either the category or the rates are wrong. Nothing here decides which; it is not costed as a loan. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO 12 Month Business Term Deposit
"AMP Bank GO 12 Month Business Term Deposit" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO Business Save
"AMP Bank GO Business Save" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO Joint Everyday Account
"AMP Bank GO Joint Everyday Account" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TRANS_AND_SAVINGS_ACCOUNTS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO Everyday Business Account
"AMP Bank GO Everyday Business Account" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO Everyday Account
"AMP Bank GO Everyday Account" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TRANS_AND_SAVINGS_ACCOUNTS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Variable Interest Only Owner Occupied
"Great Rate Home Loan - Variable Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.

879 further reasons not shown. Show all 889.

What is not in these figures

Most of the market. 93 banks are read here — AMP Bank GO, My State PM Production, Greater Bank, Arab Bank Australia Ltd Prod, NORTHERN INLAND CREDIT UNION LTD., ME Bank, Police Bank, Border Bank, Westpac, NAB, ANZ, CommBank, Regional Australia Bank, ING, Lending and bank accounts, both associated with BSB number 939 200, Community First Credit Union, Bankwest, FIRST OPTION BANK, Beyond Bank Australia, Cairns Bank, Teachers Mutual Bank, IMB Bank, Suncorp Bank, SCCU, Bank of Sydney, AMB Bank Product, Bank First Production, Up, Broken Hill Bank, Bendigo Bank, Defence Bank Limited, Summerland, Dnister Bank, Queensland Country Bank, CENTRAL MURRAY CREDIT UNION LIMITED, P&N Bank, bcu, Credit Union SA, Gateway Bank, Qudos Bank, Fire Service Credit Union, MOVE Bank, St. George Bank, BankSA, Bank of Melbourne, A-Auswide Bank, UniBank, Firefighters Mutual Bank, Health Professionals Bank, Bank Australia, Judo Bank, Macquarie, ubank, Goulburn Murray Credit Union Co-Operative Ltd, LCU, Coastline, UNITY BANK, THE CAPRICORNIAN, BankVic, South West Slopes Credit Union Ltd trading as SWSbank, POLICE CREDIT UNION LIMITED, ORANGE CREDIT UNION LTD, MACARTHUR CREDIT UNION LTD, WOOLWORTHS TEAM BANK, People First Bank, Heritage, Easystreet, The Mutual Bank, Great Southern Bank, QBANK, HORIZON BANK, BankWAW, WARWICK CREDIT UNION, Bank of us, TRANSPORT MUTUAL CREDIT UNION LTD, Australian Mutual Bank, Bank of Queensland, BOQ Specialist, RACQ Bank, Virgin Money Australia, Bank of China, ANZ Plus, Unloan Prod, CENTRAL WEST CREDIT UNION LTD, Newcastle Permanent, BNK Bank (Goldfields Money/BCHL), Aussie Home Loans, AFG Home Loans Alpha, Connective Select Home Loans, NRMA Insurance, Qantas Money, Tiimely, Liberty Financial — out of 117 banking brands on the Consumer Data Right register when it was counted on 19 September 2026. A credit union, a mutual or a non-bank lender that is not on that list is not here, and neither is any lender whose data could not be read.

Anything negotiated, and it is not a small thing. A published rate is not the rate a lender gives. The ACCC measured an average discount of about 128 basis points off the advertised rate at the big four banks, on criteria no lender publishes — which on a $500,000 loan is larger than the gap between most of the rows below. It is an average across a market and not a promise to anybody, and it cuts both ways: a rate you are already paying may carry a discount that appears in no table, and a rate here may be beaten by asking. Nor is a package discount conditional on holding other accounts here, or an offer made to keep a customer who threatened to leave, or a rate that depends on a valuation this page has not seen.

Lenders’ mortgage insurance. Above 80% of the property's value most lenders charge it, it runs to thousands of dollars, it is not in the Consumer Data Right product data, and it is not in any figure on this page.

What a fixed rate reverts to. A lender publishes the fixed rate and not the rate the loan falls back to when the fixed period ends, so no total here runs past a fixed period.

Whether anybody would lend you this. These are published prices. Whether a lender would approve a particular person for a particular loan is a credit decision, and nothing here has a view on it.

Fees no reader could price. Where a lender publishes a fee this could not turn into an amount — a charge set as a rate, or one on a billing cycle it did not state — the fee is named on the row and left out of the total, and the total is marked as a floor. It is not counted as nought, because nought would make the lender who discloses least look cheapest. On this loan that applies to 284 products of the 471 costed.

Creditcrest Compare

294 products ranked by cost over 30 years

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

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2 things about this lender's published data that could not be read

Fees in the figures

Charged only if something happens, and not counted

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Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

16 things about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

16 things about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

9 things about this lender's published data that could not be read

Fees in the figures

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Fees this could not price, and which are NOT in the figures

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Fixed rates, which are not in the ranking above

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Charged only if something happens, and not counted

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Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

4 things about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

7 things about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

889 products not compared, and why

What is not in these figures