New Research Report: Home Loan Hindsight — Find out what Australian homeowners wish they’d done differently.

Brooke Cooper

1st May 2025

This week's standout home loans

I'm Brooke, and every week I sift through stacks of mortgage offers to highight one that stands out – maybe it's got a competitive rate, low fees, or a handy feature.

This week I've got three stand out owner occupier home loans with low rates and great features.

Lowest Variable-rate Home Loan :

Up – Up Home - 5.75% p.a. (5.75% p.a. comparison rate*)

The Up Home variable rate mortgage product is available to borrowers with deposits or equity worth just 10% of their property's value and allows for up to 50 linked offset accounts!

Lowest Fixed-rate Home Loan:

Australian Mutual Bank - Three-year Fixed Home Loan - 5.29% p.a. (6.01% p.a. comparison rate*) 

Australian Mutual Bank currently offers one of the lowest home loan rates out there to owner occupiers with LVRs of 80% or less willing to fix their rate for three years.

Lowest Refinance Home Loan: 

Horizon Bank - Home Sweet Home Loan - 5.64% p.a. (6.34% p.a. comparison rate*) 

For homeowners with equity worth at least 40% of their property's value could take advantage of Horizon Bank's ultra-competitive variable interest rate.

See you next time!

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Your Mortgage Editor

Research Report:
Home Loan Hindsight

Find out what Australian homeowners wish they’d done differently.

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