Compare Home Loans from Smaller Banks & Specialist Lenders

Compare our lowest home loan rates & repayment from all our smaller banks and specialist lenders.


These lenders can offer big home loan savings in comparison to the Big4 Banks.

Mutual Banks & Co-operatives are member focused organisations that are owned by customers, not shareholders. Smaller Retail Banks are owned by the larger banks and are used to serve niche parts of the market. Regional Banks have a history of local service and remain independent of the big4. Foreign owned banks bring international competition into the Australian banking system. Specialist Lenders from smaller low cost lenders to larger wealth management institutions have a range of specialist non-bank lenders that can cater to special needs and circumstances.

Also consider home loans from the Big4 Aussie Banks, or Compare All Home Loan Rates & Repayments

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Lender
Loan Details
Interest
Comparison
Repayments
  1. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.69%
      p.a. fixed
    • 4.65%
      p.a. Comparison
    • $1,788
      per month*
  2. Flexible Home Loan 2 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.69%
      p.a. fixed
    • 4.74%
      p.a. Comparison
    • $1,788
      per month*
  3. Flexible Home Loan 2 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.99%
      p.a. Comparison
    • $1,788
      per month*
  4. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.88%
      p.a. Comparison
    • $1,788
      per month*
  5. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.69%
      p.a. fixed
    • 3.82%
      p.a. Comparison
    • $1,805
      per month*
  6. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.69%
      p.a. fixed
    • 3.92%
      p.a. Comparison
    • $1,805
      per month*
  7. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.51%
      p.a. Comparison
    • $1,805
      per month*
  8. Discount Variable Rate Special Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.79%
      p.a. variable
    • 3.79%
      p.a. Comparison
    • $1,807
      per month*
  9. Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.79%
      p.a. fixed
    • 4.38%
      p.a. Comparison
    • $1,807
      per month*
  10. Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.79%
      p.a. fixed
    • 4.38%
      p.a. Comparison
    • $1,807
      per month*
  11. Homeloans Ultra Plus 80

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.74%
      p.a. variable
    • 3.80%
      p.a. Comparison
    • $1,808
      per month*
  12. Home Package Plus SPECIAL 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.64%
      p.a. fixed
    • 4.14%
      p.a. Comparison
    • $1,810
      per month*
  13. Home Package Plus SPECIAL 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.64%
      p.a. fixed
    • 4.11%
      p.a. Comparison
    • $1,810
      per month*
  14. Back to Basics Variable Loan Better Together Bundle

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.82%
      p.a. variable
    • 3.82%
      p.a. Comparison
    • $1,813
      per month*
  15. Orange Advantage Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.74%
      p.a. fixed
    • 4.59%
      p.a. Comparison
    • $1,814
      per month*
  16. Orange Advantage Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.74%
      p.a. fixed
    • 3.94%
      p.a. Comparison
    • $1,814
      per month*
  17. Orange Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.74%
      p.a. variable
    • 3.83%
      p.a. Comparison
    • $1,814
      per month*
  18. Orange Advantage Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.74%
      p.a. fixed
    • 3.83%
      p.a. Comparison
    • $1,814
      per month*
  19. Homeloans Optima up to

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.83%
      p.a. variable
    • 3.83%
      p.a. Comparison
    • $1,815
      per month*
  20. Homeloans Ultra Plus Fixed 3 Year 50% Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.79%
      p.a. fixed
    • 3.95%
      p.a. Comparison
    • $1,817
      per month*
  21. Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.84%
      p.a. fixed
    • 4.44%
      p.a. Comparison
    • $1,817
      per month*
  22. Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.84%
      p.a. fixed
    • 4.44%
      p.a. Comparison
    • $1,817
      per month*
  23. Homeloans Ultra Plus Fixed 3 Year 50% Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.79%
      p.a. fixed
    • 3.81%
      p.a. Comparison
    • $1,817
      per month*
  24. Fixed Rate Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.79%
      p.a. fixed
    • 5.16%
      p.a. Comparison
    • $1,819
      per month*
  25. Firstmac Vital 80

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.86%
      p.a. variable
    • 3.88%
      p.a. Comparison
    • $1,820
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided