Compare First Home Buyer Loans

Compare today's lowest first home buyer loan rates & repayments from 30+ banks and specialty lenders.

Finding the perfect property for your first home can be an exciting feeling and it's important to find the home loan that matches your unique situation. Below you can compare loans that suit buyers who are purchasing for the first time - all allow you to borrow up to 95% of the value of the property.

Fixed Rates Variable Rates Low Deposit Loans Offset + Redraw Loans Compare Big4 Banks ANZ Commonwealth Bank Westpac National Australia Bank Suncorp St.George Heritage Bank ING Citibank Bankwest Adelaide Bank ME Bank AMP Homeloans Bank SA Bank of Melbourne

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Lender
Loan Details
Interest
Comparison
Repayments
  1. Basic Home Loan Promotional

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.64%
      p.a. variable
    • 3.64%
      p.a. Comparison
    • $1,779
      per month*
  2. Basic Home Loan Promotional

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.64%
      p.a. variable
    • 3.64%
      p.a. Comparison
    • $1,779
      per month*
  3. Basic Home Loan Promotional

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.68%
      p.a. variable
    • 3.68%
      p.a. Comparison
    • $1,786
      per month*
  4. Fixed Rate Loan 1 Yr

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.68%
      p.a. fixed
    • 4.02%
      p.a. Comparison
    • $1,786
      per month*
  5. Base Variable Rate Special Offer

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.69%
      p.a. variable
    • 3.70%
      p.a. Comparison
    • $1,788
      per month*
  6. 2 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.65%
      p.a. fixed
    • 4.99%
      p.a. Comparison
    • $1,788
      per month*
  7. Orange Advantage Fixed Rate Loan Combination 1 Year

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.58%
      p.a. fixed
    • 4.12%
      p.a. Comparison
    • $1,792
      per month*
  8. Fixed Options Home Loan 3 Yrs Promo

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.79%
      p.a. fixed
    • 4.90%
      p.a. Comparison
    • $1,807
      per month*
  9. Home Advantage 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.65%
      p.a. fixed
    • 4.21%
      p.a. Comparison
    • $1,810
      per month*
  10. Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.82%
      p.a. fixed
    • 4.02%
      p.a. Comparison
    • $1,813
      per month*
  11. Orange Advantage Fixed Rate Loan Combination 2 Years

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.72%
      p.a. fixed
    • 4.11%
      p.a. Comparison
    • $1,819
      per month*
  12. Back to Basics Variable Special Offer

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.93%
      p.a. variable
    • 3.93%
      p.a. Comparison
    • $1,834
      per month*
  13. Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.93%
      p.a. fixed
    • 4.03%
      p.a. Comparison
    • $1,834
      per month*
  14. 3 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 4.94%
      p.a. Comparison
    • $1,834
      per month*
  15. 1 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 5.14%
      p.a. Comparison
    • $1,834
      per month*
  16. Discount Variable Rate 90%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.94%
      p.a. variable
    • 3.96%
      p.a. Comparison
    • $1,836
      per month*
  17. Home Package Plus Standard Variable FHB Special Offer

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.79%
      p.a. variable
    • 3.95%
      p.a. Comparison
    • $1,838
      per month*
  18. Orange Advantage Fixed Rate Loan Combination 3 Years

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.83%
      p.a. fixed
    • 4.11%
      p.a. Comparison
    • $1,840
      per month*
  19. Extra Home Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.99%
      p.a. variable
    • 3.99%
      p.a. Comparison
    • $1,845
      per month*
  20. Simplicity Plus

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.99%
      p.a. variable
    • 4.00%
      p.a. Comparison
    • $1,845
      per month*
  21. Fixed Rate Home Loan 3 Years

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.94%
      p.a. fixed
    • 5.27%
      p.a. Comparison
    • $1,846
      per month*
  22. Fixed Rate Home Loan 2 Years

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.94%
      p.a. fixed
    • 5.39%
      p.a. Comparison
    • $1,846
      per month*
  23. Fixed Rate Loan 4 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.02%
      p.a. fixed
    • 4.05%
      p.a. Comparison
    • $1,851
      per month*
  24. Advantage Home Loan Package 3 Year Fixed Rate Loan Promotional

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.85%
      p.a. fixed
    • 4.52%
      p.a. Comparison
    • $1,851
      per month*
  25. Advantage Home Loan Package 2 Year Fixed Rate Loan Promotional

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.85%
      p.a. fixed
    • 4.57%
      p.a. Comparison
    • $1,851
      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