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Home LoansRates

Home Loan Rates Comparison

Compare the lowest home loan rates from our lending partners right now.

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Fixed Rate

4.55%*

Per annum. Fixed for 1 year. Minimum 20% deposit.

With a fixed rate you know your exact payments over a fixed length of time.

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Floating Rate

5.54%

Per annum. Fixed for 1 year. Minimum 20% deposit.

Floating rates mean that you can pay your mortgage off when you want.

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Variable Rate

5.15%

Per annum. Fixed for 1 year. Minimum 20% deposit.

Variable rates change with the market, meaning you get the lowest rates on the market.

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Offset Rate

4.89%

Per annum. Fixed for 1 year. Minimum 20% deposit.

Offset your mortgage with the money in your account, getting the lowest rates.

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Home Loan Rates Comparison

  • Variable Floating
    Fixed 1 year
    Fixed 2 years
  • AIA
    5.35%
    4.49%
    5.25%
  • ANZ
    5.54%
    5.15%
    5.85%
  • ASB
    5.35%
    4.49%
    5.25%
  • Avanti Finance
    4.95%
    N/A
    N/A
  • Bank of China
    5.50%
    5.15%
    5.85%
  • BNZ
    5.55%
    4.55%
    5.25%
  • Basecorp Finance
    6.45%
    N/A
    N/A
  • Bluestone
    4.34%
    4.95%
    5.41%
  • China Construction Bank
    5.50%
    5.15%
    5.85%
  • ICBC
    5.25%
    4.09%
    4.79%
  • Liberty Financial
    4.84%
    N/A
    N/A
  • Heartland Bank
    3.50%
    3.49%
    4.05%
  • Pepper Money
    3.44%
    N/A
    N/A
  • Resimac
    3.89%
    4.59%
    4.96%
  • SBS
    5.29%
    4.69%
    5.35%
  • TSB
    5.59%
    4.99%
    5.75%
  • The Co-Operative Bank
    5.45%
    4.39%
    5.29%
  • Westpac
    5.54%
    4.55%
    5.79%

Rates accurate as at 11:59PM April 27th, 2022. We endeavor to ensure all rates are true and accurate but for final applicable rates please talk directly to your mortgage adviser.

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  • Disclosure Statement

¹If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.