Our database lists 473 home loan interest-only rates products available from 13 lenders, with rates between 5.89% and 10.06% and varying product fees and LVRs.
Contents
- ANZ Bank: Home loan interest-only mortgage rates
- Bank of Melbourne: Home loan interest-only mortgage rates
- Bank of Queensland: Home loan interest-only mortgage rates
- Bendigo Bank: Home loan interest-only mortgage rates
- HSBC: Home loan interest-only mortgage rates
- ING Bank: Home loan interest-only mortgage rates
- Macquarie Bank: Home loan interest-only mortgage rates
- National Australia Bank: Home loan interest-only mortgage rates
- St. George Bank: Home loan interest-only mortgage rates
- Suncorp Bank: Home loan interest-only mortgage rates
- UBank: Home loan interest-only mortgage rates
- Westpac: Home loan interest-only mortgage rates
- Home loan interest-only rates FAQs
Revisit this page frequently or bookmark it to stay informed on home loan interest-only rates.
The table below displays the rates as of July 4, 2025 and may change at any time.
ANZ Bank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 1 year fixed LVR 80% or less Interest Only | 1 Year | 5.94% | 6.66% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) -1 year fixed LVR more than 80% Interest Only | 1 Year | 6.39% | 6.89% | more than 80% | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 2 years fixed LVR 80% or less Interest Only | 2 Years | 5.84% | 6.57% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 2 years fixed LVR more than 80% Interest Only | 2 Years | 6.29% | 6.82% | more than 80% | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 3 years fixed LVR 80% or less Interest Only | 3 Years | 6.04% | 6.55% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 3 years fixed LVR more than 80% Interest Only | 3 Years | 6.49% | 6.82% | more than 80% | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 4 years fixed LVR more than 80% Interest Only | 4 Years | 6.09% | 6.51% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 4 years fixed LVR 80% or less Interest Only | 4 Years | 6.54% | 6.80% | more than 80% | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 5 years fixed LVR 80% or less Interest Only | 5 Years | 6.19% | 6.51% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 5 years fixed LVR more than 80% Interest Only | 5 Years | 6.64% | 6.81% | more than 80% | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 7 years fixed LVR 80% or less Interest Only | 7 Years | 7.24% | 7.02% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 7 years fixed LVR more than 80% Interest Only | 7 Years | 7.69% | 7.37% | more than 80% | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 10 years fixed LVR 80% or less Interest Only | 10 Years | 7.24% | 7.09% | 80% or less | |
| ANZ BANK | ANZ Fixed Rate Home Loan (Owner Occupiers) - 10 years fixed LVR more than 80% Interest Only | 10 Years | 7.69% | 7.47% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 1 year fixed LVR 80% or less Interest Only | 1 Year | 6.09% | 7.21% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan -1 year fixed LVR more than 80% Interest Only | 1 Year | 6.54% | 7.44% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 2 years fixed LVR 80% or less Interest Only | 2 Years | 5.94% | 7.06% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 2 years fixed LVR more than 80% Interest Only | 2 Years | 6.39% | 7.31% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 3 years fixed LVR 80% or less Interest Only | 3 Years | 5.74% | 6.89% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 3 years fixed LVR more than 80% Interest Only | 3 Years | 6.19% | 7.16% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 4 years fixed LVR more than 80% Interest Only | 4 Years | 6.09% | 6.89% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 4 years fixed LVR 80% or less Interest Only | 4 Years | 6.54% | 7.18% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 5 years fixed LVR 80% or less Interest Only | 5 Years | 6.09% | 6.81% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 5 years fixed LVR more than 80% Interest Only | 5 Years | 6.54% | 7.11% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 7 years fixed LVR 80% or less Interest Only | 7 Years | 7.24% | 7.29% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 7 years fixed LVR more than 80% Interest Only | 7 Years | 7.69% | 7.63% | more than 80% | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 10 years fixed LVR 80% or less Interest Only | 10 Years | 7.24% | 7.27% | 80% or less | |
| ANZ BANK | ANZ Fixed Residential Investment Loan - 10 years fixed LVR more than 80% Interest Only | 10 Years | 7.69% | 7.65% | more than 80% | |
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 1 year fixed Interest Only | 1 Year | 6.39% | 7.95% | ||
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 2 year fixed Interest Only | 2 Years | 6.29% | 7.76% | ||
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 3 year fixed Interest Only | 3 Years | 6.49% | 7.66% | ||
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 4 year fixed Interest Only | 4 Years | 6.54% | 7.55% | ||
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 5 year fixed Interest Only | 5 Years | 6.64% | 7.48% | ||
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 7 year fixed Interest Only | 7 Years | 7.69% | 7.89% | ||
| ANZ BANK | ANZ Fixed index rate (Owner Occupiers) - 10 year fixed Interest Only | 10 Years | 7.69% | 7.82% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 1 year fixed Interest Only | 1 Year | 6.54% | 8.50% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 2 year fixed Interest Only | 2 Years | 6.39% | 8.25% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 3 year fixed Interest Only | 3 Years | 6.19% | 7.99% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 4 year fixed Interest Only | 4 Years | 6.54% | 7.92% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 5 year fixed Interest Only | 5 Years | 6.54% | 7.77% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 7 year fixed Interest Only | 7 Years | 7.69% | 8.14% | ||
| ANZ BANK | ANZ Fixed index rate (Investor) - 10 year fixed Interest Only | 10 Years | 7.69% | 7.99% | ||
| ANZ BANK | ANZ Standard Variable Home Loan -LVR 80% or less Interest Only | N/A | 7.29% | 6.92% | 80% or less | |
| ANZ BANK | ANZ Standard Variable Home Loan - LVR more than 80% Interest Only | N/A | 7.49% | 7.19% | more than 80% | |
| ANZ BANK | ANZ Standard Variable Home Loan -Index Rate Interest Only | N/A | 8.69% | 8.40% | ||
| ANZ BANK | ANZ Standard Variable Residential Investment loan - LVR 80% or less Interest Only | N/A | 7.59% | 7.45% | 80% or less | |
| ANZ BANK | ANZ Standard Variable Residential Investment loan -LVR more than 80% Interest Only | N/A | 7.79% | 7.65% | more than 80% | |
| ANZ BANK | ANZ Standard Variable Residential Investment loan - Index Rate Interest Only | N/A | 8.99% | 8.86% | ||
| ANZ BANK | ANZ Simplicity PLUS Home Loan - LVR 60% or less Interest Only | N/A | 7.13% | 6.43% | 60% or less | |
| ANZ BANK | ANZ Simplicity PLUS Home Loan - LVR 70% or less Interest Only | N/A | 7.13% | 6.45% | 70% or less | |
| ANZ BANK | ANZ Simplicity PLUS Home Loan - LVR 80% or less Interest Only | N/A | 7.13% | 6.51% | 80% or less | |
| ANZ BANK | ANZ Simplicity PLUS Home Loan - LVR 90% or less Interest Only | N/A | 7.13% | 6.83% | 90% or less | |
| ANZ BANK | ANZ Simplicity PLUS Home Loan- LVR more than 90% Interest Only | N/A | 7.13% | 7.14% | more than 90% | |
| ANZ BANK | ANZ Simplicity PLUS Home Loan - Index rate Interest Only | N/A | 7.69% | 7.58% | ||
| ANZ BANK | ANZ Simplicity PLUS Residential Investment loan - LVR 60% or less Interest Only | N/A | 6.54% | 6.31% | 60% or less | |
| ANZ BANK | ANZ Simplicity PLUS Residential Investment loan - LVR 70% or less Interest Only | N/A | 6.59% | 6.36% | 70% or less | |
| ANZ BANK | ANZ Simplicity PLUS Residential Investment loan - LVR 80% or less Interest Only | N/A | 6.69% | 6.47% | 80% or less | |
| ANZ BANK | ANZ Simplicity PLUS Residential Investment loan - LVR 90% or less Interest Only | N/A | 7.29% | 7.13% | 90% or less | |
| ANZ BANK | ANZ Simplicity PLUS Residential Investment loan - LVR more than 90% Interest Only | N/A | 7.48% | 7.49% | more than 90% | |
| ANZ BANK | ANZ Simplicity PLUS Residential Investment loan - Index rate Interest Only | N/A | 7.49% | 7.49% | ||
| ANZ BANK | Construction Home Loan Standard variable with optional offset Interest Only | 7.29% | 6.98% | |||
| ANZ BANK | Construction Residential Investment Loan Basic variable Interest Only | 6.59% | 6.36% | |||
| ANZ BANK | Construction Residential Investment Loan Standard variable with optional offset Interest Only | 7.59% | 7.45% |
Bank of Melbourne: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 1 year fixed rate | 1 Year | 6.09% | 6.37% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 2 year fixed rate | 2 Years | 6.29% | 6.42% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 3 year fixed rate | 3 Years | 6.29% | 6.44% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 4 year fixed rate | 4 Years | 6.49% | 6.53% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 5 year fixed rate | 5 Years | 6.49% | 6.56% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 1 year fixed rate | 1 Year | 5.99% | 6.28% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 2 year fixed rate | 2 Years | 6.19% | 6.32% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 3 year fixed rate | 3 Years | 6.19% | 6.34% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 4 year fixed rate | 4 Years | 6.39% | 6.43% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Owner Occupier (Interest Only) - 5 year fixed rate | 5 Years | 6.39% | 6.46% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 1 year fixed rate | 1 Year | 6.49% | 6.86% | $600.00 | Above 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 2 year fixed rate | 2 Years | 6.59% | 6.87% | $600.00 | Above 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 3 year fixed rate | 3 Years | 6.59% | 6.88% | $600.00 | Above 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 4 year fixed rate | 4 Years | 6.59% | 6.88% | $600.00 | Above 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 5 year fixed rate | 5 Years | 6.59% | 6.88% | $600.00 | Above 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 1 year fixed rate | 1 Year | 6.19% | 6.56% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 2 year fixed rate | 2 Years | 6.29% | 6.58% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 3 year fixed rate | 3 Years | 6.29% | 6.58% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 4 year fixed rate | 4 Years | 6.29% | 6.58% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 5 year fixed rate | 5 Years | 6.29% | 6.58% | $600.00 | 70% up to 80% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 1 year fixed rate | 1 Year | 6.09% | 6.46% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 2 year fixed rate | 2 Years | 6.19% | 6.48% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 3 year fixed rate | 3 Years | 6.19% | 6.48% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 4 year fixed rate | 4 Years | 6.19% | 6.48% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Fixed Rate Home Loan - Investor (Interest Only) - 5 year fixed rate | 5 Years | 6.19% | 6.48% | $600.00 | Up to 70% |
| BANK OF MELBOURNE | Basic variable home loan - Owner Occupier (Interest Only) - LVR Up to 70% | 6.79% | 6.23% | $0.00 | Up to 70% | |
| BANK OF MELBOURNE | Basic variable home loan - Owner Occupier (Interest Only) - LVR Above 70% up to 80% | 6.89% | 6.33% | $0.00 | 70% up to 80% | |
| BANK OF MELBOURNE | Basic variable home loan - Investor (Interest Only) - LVR Up to 70% | 6.39% | 6.20% | $0.00 | Up to 70% | |
| BANK OF MELBOURNE | Basic variable home loan - Investor (Interest Only) - LVR Above 70% up to 80% | 6.49% | 6.30% | $0.00 | 70% up to 80% | |
| BANK OF MELBOURNE | Basic variable home loan - Investor (Interest Only) - LVR Above 80% | 6.79% | 6.60% | $0.00 | Above 80% | |
| BANK OF MELBOURNE | Variable home loan with offset - New Owner Occupier Loans (Interest Only) - LVR up to 70%) | 6.48% | 6.50% | $600.00 | Up to 70% | |
| BANK OF MELBOURNE | Variable home loan with offset - New Owner Occupier Loans (Interest Only) - Above 70% up to 80% | 6.58% | 6.60% | $600.00 | 70% up to 80% | |
| BANK OF MELBOURNE | Variable home loan with offset - New Residential Investment Loans (Interest Only) - LVR up to 70%) | 6.38% | 6.57% | $600.00 | Up to 70% | |
| BANK OF MELBOURNE | Variable home loan with offset - New Residential Investment Loans (Interest Only) - Above 70% up to 80% | 6.48% | 6.66% | $600.00 | 70% up to 80% | |
| BANK OF MELBOURNE | Variable home loan with offset - New Residential Investment Loans (Interest Only) - LVR Above 80% | 6.78% | 6.96% | $600.00 | Above 80% |
Bank of Queensland: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Owner Occupier) - 2 years Interest only | 2 Years | 7.09% | 6.05% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Owner Occupier) - 3 years Interest only | 3 Years | 7.59% | 6.32% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Owner Occupier) - 4 years Interest only | 4 Years | 7.69% | 6.52% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Owner Occupier) - 5 years Interest only | 5 Years | 7.84% | 6.75% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 2 years Interest only | 2 Years | 5.69% | 5.90% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 2 year fixed discount rate - max 80% LVR++ Interest only | 2 Years | 5.34% | 5.83% | $0.00 | Max 80% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 2 year fixed discount rate - max 90% LVR++ Interest only | 2 Years | 5.54% | 5.87% | $0.00 | Max 90% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 3 years Interest only | 3 Years | 5.69% | 5.89% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 3 year fixed discount rate - max 80% LVR++ Interest only | 3 Years | 5.34% | 5.79% | $0.00 | Max 80% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 3 year fixed discount rate - max 90% LVR++ Interest only | 3 Years | 5.44% | 5.82% | $0.00 | Max 90% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 4 years Interest only | 4 Years | 5.99% | 5.99% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 4 year fixed discount rate - max LVR 80%++ Interest only | 4 Years | 5.64% | 5.86% | $0.00 | Max 80% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 4 year fixed discount rate - max LVR 90%++ Interest only | 4 Years | 5.74% | 5.90% | $0.00 | Max 90% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 5 years Interest only | 5 Years | 5.99% | 6.00% | $0.00 | |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 5 year fixed discount rate - max LVR 80%++ Interest only | 5 Years | 5.64% | 5.85% | $0.00 | Max 80% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - 5 year fixed discount rate - max LVR 90%++ Interest only | 5 Years | 5.74% | 5.89% | $0.00 | Max 90% |
| BANK OF QUEENSLAND | Fixed Rate Home Loan (Investor) - Interest Prepaid 1 Year Fixed Rate** Interest only | 1 Year | 7.80% | 6.01% | $0.00 | |
| BANK OF QUEENSLAND | Economy Variable Home Loan - Owner Occupier - max 70% LVR + Interest only | N/A | 7.55% | 6.63% | $300.00 | Max 70% |
| BANK OF QUEENSLAND | Economy Variable Home Loan - Owner Occupier - max 80% LVR ++ Interest only | N/A | 7.55% | 6.63% | $300.00 | Max 80% |
| BANK OF QUEENSLAND | Economy Variable Home Loan - Owner Occupier - max 90% LVR +++ Interest only | N/A | 7.55% | 6.63% | $300.00 | Max 90% |
| BANK OF QUEENSLAND | Economy Variable Home Loan - Investor - max 70% LVR + Interest only | N/A | 5.89% | 5.95% | $300.00 | Max 70% |
| BANK OF QUEENSLAND | Economy Variable Home Loan - Investor - max 80% LVR ++ Interest only | N/A | 5.89% | 5.95% | $300.00 | Max 80% |
| BANK OF QUEENSLAND | Economy Variable Home Loan - Investor - max 90% LVR +++ Interest only | N/A | 6.24% | 6.10% | $300.00 | Max 90% |
| BANK OF QUEENSLAND | Clear Path Variable Home Loan - Owner occupier - max 80% LVR # Interest only | N/A | 7.14% | 6.43% | $0.00 | Max 80% |
| BANK OF QUEENSLAND | Clear Path Variable Home Loan - Owner occupier - max 90% LVR ## Interest only | N/A | 7.39% | 6.54% | $0.00 | Max 90% |
| BANK OF QUEENSLAND | Clear Path Variable Home Loan - Investor - max 80% LVR # Interest only | N/A | 5.89% | 5.96% | $0.00 | Max 80% |
| BANK OF QUEENSLAND | Clear Path Variable Home Loan - Investor - max 90% LVR ## Interest only | N/A | 6.29% | 6.13% | $0.00 | Max 90% |
Bendigo Bank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| BENDIGO BANK | Complete Home Loan - Owner occupied variable interest only LVR ≤ 60% | 6.64% | 6.30% | ≤ 60% | ||
| BENDIGO BANK | Complete Home Loan - Owner occupied variable interest only LVR 60.01-80% | 6.94% | 6.49% | 60.01-80% | ||
| BENDIGO BANK | Complete Home Loan - Owner occupied fixed interest only | 1 year | 6.14% | 6.41% | ||
| BENDIGO BANK | Complete Home Loan - Owner occupied fixed interest only | 2 years | 5.89% | 6.29% | ||
| BENDIGO BANK | Complete Home Loan - Owner occupied fixed interest only | 3 years | 5.89% | 6.20% | ||
| BENDIGO BANK | Complete Home Loan - Owner occupied fixed interest only | 4 years | 6.09% | 6.19% | ||
| BENDIGO BANK | Complete Home Loan - Owner occupied fixed interest only | 5 years | 6.09% | 6.12% | ||
| BENDIGO BANK | Express Home Loan - variable interest only | 6.27% | 6.03% | |||
| BENDIGO BANK | Express Home Loan - Fixed Rate interest only | 1 year | 6.04% | 6.00% | ||
| BENDIGO BANK | Express Home Loan - Fixed Rate interest only | 2 years | 5.79% | 5.94% | ||
| BENDIGO BANK | Express Home Loan - Fixed Rate interest only | 3 years | 5.79% | 5.90% | ||
| BENDIGO BANK | Express Home Loan - Fixed Rate interest only | 4 years | 5.99% | 5.93% | ||
| BENDIGO BANK | Express Home Loan - Fixed Rate interest only | 5 years | 5.99% | 5.91% | ||
| BENDIGO BANK | Standard residential rate - Residential Variable Interest Only Rate | 8.94% | 8.88% | |||
| BENDIGO BANK | Standard residential rate - Bendigo Express Residential Variable Interest Only Rate | 8.94% | 8.83% | |||
| BENDIGO BANK | Complete Home Loan - Investor variable interest only LVR ≤ 60% | 6.14% | 6.15% | ≤ 60% | ||
| BENDIGO BANK | Complete Home Loan - Investor variable interest only LVR 60.01-80% | 6.19% | 6.31% | 60.01-80% | ||
| BENDIGO BANK | Complete Home Loan - Investor fixed interest only | 1 Year | 5.94% | 6.29% | ||
| BENDIGO BANK | Complete Home Loan - Investor fixed interest only | 2 Years | 5.69% | 6.22% | ||
| BENDIGO BANK | Complete Home Loan - Investor fixed interest only | 3 Years | 5.69% | 6.18% | ||
| BENDIGO BANK | Complete Home Loan - Investor fixed interest only | 4 Years | 5.89% | 6.21% | ||
| BENDIGO BANK | Complete Home Loan - Investor fixed interest only | 5 Years | 5.89% | 6.18% | ||
| BENDIGO BANK | Express Home Loan - Investment variable interest only | 5.97% | 6.01% | |||
| BENDIGO BANK | Express Home Loan - Investment Fixed Rate interest only | 1 Year | 5.84% | 6.00% | ||
| BENDIGO BANK | Express Home Loan - Investment Fixed Rate interest only | 2 Years | 5.59% | 5.95% | ||
| BENDIGO BANK | Express Home Loan - Investment Fixed Rate interest only | 3 Years | 5.59% | 5.91% | ||
| BENDIGO BANK | Express Home Loan - Investment Fixed Rate interest only | 4 Years | 5.79% | 5.95% | ||
| BENDIGO BANK | Express Home Loan - Investment Fixed Rate interest only | 5 Years | 5.79% | 5.94% | ||
| BENDIGO BANK | Standard investment rate - Bendigo Investment Interest Only Rate | 9.56% | 9.48% | |||
| BENDIGO BANK | Standard investment rate - Bendigo Express Investment Interest Only Rate | 9.56% | 9.44% |
HSBC: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Home Value Loan (Owner Occupiers) - Interest only | 5.94% | 5.69% | $0.00 | 80% or less | |
| HSBC | Home Value Loan (Investor) - Interest only | 5.94% | 5.86% | $0.00 | 80% or less | |
| HSBC | Home Value Loan (Investor) - Interest only | 6.24% | 6.16% | $0.00 | above 80% | |
| HSBC | Standard Variable Rate Home Loan (Owner Occupiers) - Interest only | 6.09% | 6.19% | $600 (or $0 with the Home Loan Package) | 80% or less | |
| HSBC | Standard Variable Rate Home Loan (Investor) - Interest only | 6.09% | 6.35% | $600 (or $0 with the Home Loan Package) | 80% or less | |
| HSBC | Standard Variable Rate Home Loan (Investor) - Interest only | 6.39% | 6.64% | $600 (or $0 with the Home Loan Package) | above 80% | |
| HSBC | Home Equity Loan (Owner Occupiers) - Interest only | 6.87% | N/A | $0.00 | 80% or less | |
| HSBC | Home Equity Loan (Investors) - Interest only | 7.07% | N/A | $0.00 | 80% or less | |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 1 Year with Home Loan Package |
1 year | 5.60% | 6.09% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 2 Year with Home Loan Package |
2 years | 5.54% | 6.06% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 3 Year with Home Loan Package |
3 years | 5.54% | 6.04% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 1 Year packaged |
1 year | 5.65% | 6.10% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 1 Year non-packaged |
1 year | 6.40% | 7.05% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 2 Year packaged |
2 years | 5.59% | 6.07% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 2 Year non-packaged |
2 years | 6.34% | 6.97% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 3 Year packaged |
3 years | 5.59% | 6.05% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Owner Occupiers) - Interest only - 3 Year non-packaged |
3 years | 6.34% | 6.91% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 1 Year with Home Loan Package |
1 year | 5.60% | 6.27% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 2 Year with Home Loan Package |
2 years | 5.54% | 6.22% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 3 Year with Home Loan Package |
3 years | 5.54% | 6.18% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 4 Year with Home Loan Package |
4 years | 5.74% | 6.22% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 5 Year with Home Loan Package |
5 years | 5.74% | 6.20% | $0.00 | 60% or less |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 1 Year packaged |
1 year | 5.65% | 6.27% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 1 Year non-packaged |
1 year | 6.40% | 7.23% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 2 Year packaged |
2 years | 5.59% | 6.23% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 2 Year non-packaged |
2 years | 6.34% | 7.13% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 3 Year packaged |
3 years | 5.59% | 6.20% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 3 Year non-packaged |
3 years | 6.34% | 7.05% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 4 Year packaged |
4 years | 5.79% | 6.23% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 4 Year non-packaged |
4 years | 6.54% | 7.05% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 5 Year packaged |
5 years | 5.79% | 6.22% | $0.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 5 Year non-packaged |
5 years | 6.54% | 7.00% | $600.00 | 60% to 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 1 Year packaged |
1 year | 6.05% | 6.58% | $0.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 1 Year non-packaged |
1 year | 6.40% | 7.50% | $600.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 2 Year packaged |
2 years | 5.99% | 6.55% | $0.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 2 Year non-packaged |
2 years | 6.34% | 7.37% | $600.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 3 Year packaged |
3 years | 5.99% | 6.52% | $0.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 3 Year non-packaged |
3 years | 6.34% | 7.27% | $600.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 4 Year packaged |
4 years | 6.19% | 6.57% | $0.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 4 Year non-packaged |
4 years | 6.54% | 7.24% | $600.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 5 Year packaged |
5 years | 6.19% | 6.56% | $0.00 | above 80% |
| HSBC | Fixed Rate Home Loan (Investors) - Interest only - 5 Year non-packaged |
5 years | 6.54% | 7.17% | $600.00 | above 80% |
ING Bank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| ING Bank | Orange Advantage - Owner occupiers (Interest only) | 6.19% | 6.14% | $350.00 | LVR is 60% or less | |
| ING Bank | Orange Advantage - Owner occupiers (Interest only) | 6.19% | 6.14% | $350.00 | LVR is 60.01% to 70% | |
| ING Bank | Orange Advantage - Owner occupiers (Interest only) | 6.19% | 6.14% | $350.00 | LVR is 70.01% to 80% | |
| ING Bank | Orange Advantage - Investors (Interest only) | 5.94% | 6.12% | $350.00 | LVR is 60% or less | |
| ING Bank | Orange Advantage - Investors (Interest only) | 5.94% | 6.12% | $350.00 | LVR is 60.01% to 70% | |
| ING Bank | Orange Advantage - Investors (Interest only) | 5.94% | 6.12% | $350.00 | LVR is 70.01% to 80% | |
| ING Bank | Orange Advantage - Investors (Interest only) | 6.29% | 6.44% | $350.00 | LVR is 80.01% to 90% | |
| ING Bank | Mortgage Simplifier - Owner occupiers (Interest only) | 6.04% | 5.83% | $350.00 | LVR is 60% or less | |
| ING Bank | Mortgage Simplifier - Owner occupiers (Interest only) | 6.04% | 5.83% | $350.00 | LVR is 60.01% to 70% | |
| ING Bank | Mortgage Simplifier - Owner occupiers (Interest only) | 6.04% | 5.83% | $350.00 | LVR is 70.01% to 80% | |
| ING Bank | Mortgage Simplifier - Investors (Interest only) | 5.94% | 5.88% | $350.00 | LVR is 60% or less | |
| ING Bank | Mortgage Simplifier - Investors (Interest only) | 5.94% | 5.88% | $350.00 | LVR is 60.01% to 70% | |
| ING Bank | Mortgage Simplifier - Investors (Interest only) | 5.94% | 5.88% | $350.00 | LVR is 70.01% to 80% | |
| ING Bank | Mortgage Simplifier - Investors (Interest only) | 6.29% | 6.20% | $350.00 | LVR is 80.01% to 90% | |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (1 year fixed rate) | 1 year | 5.84% | 5.69% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (2 year fixed rate) | 2 years | 5.69% | 5.68% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (3 year fixed rate) | 3 years | 5.69% | 5.68% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (4 year fixed rate) | 4 years | 5.84% | 5.74% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (5 year fixed rate) | 5 years | 5.84% | 5.75% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (1 year fixed rate) | 1 year | 5.84% | 5.69% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (2 year fixed rate) | 2 years | 5.69% | 5.68% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (3 year fixed rate) | 3 years | 5.69% | 5.68% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (4 year fixed rate) | 4 years | 5.84% | 5.74% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers - Interest only (5 year fixed rate) | 5 years | 5.84% | 5.75% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (1 year fixed rate) | 1 year | 5.74% | 5.68% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (2 year fixed rate) | 2 years | 5.59% | 5.66% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (3 year fixed rate) | 3 years | 5.59% | 5.65% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (4 year fixed rate) | 4 years | 5.74% | 5.70% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (5 year fixed rate) | 5 years | 5.74% | 5.71% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (1 year fixed rate) | 1 year | 5.74% | 5.68% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (2 year fixed rate) | 2 years | 5.59% | 5.66% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (3 year fixed rate) | 3 years | 5.59% | 5.65% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (4 year fixed rate) | 4 years | 5.74% | 5.70% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Owner Occupiers with Orange Advantage - Interest only (5 year fixed rate) | 5 years | 5.74% | 5.71% | $350.00 | LVR is 70.01% to 80% |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (1 year fixed rate) | 1 year | 5.64% | 5.80% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (2 year fixed rate) | 2 years | 5.49% | 5.76% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (3 year fixed rate) | 3 years | 5.49% | 5.74% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (4 year fixed rate) | 4 years | 5.64% | 5.76% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (5 year fixed rate) | 5 years | 5.64% | 5.75% | $350.00 | LVR is 70% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (1 year fixed rate) | 1 year | 5.64% | 5.80% | $350.00 | 80% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (2 year fixed rate) | 2 years | 5.49% | 5.76% | $350.00 | 80% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (3 year fixed rate) | 3 years | 5.49% | 5.74% | $350.00 | 80% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (4 year fixed rate) | 4 years | 5.64% | 5.76% | $350.00 | 80% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (5 year fixed rate) | 5 years | 5.64% | 5.75% | $350.00 | 80% or less |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (1 year fixed rate) | 1 year | 5.74% | 6.08% | $350.00 | LVR is 80.01% to 90% |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (2 year fixed rate) | 2 years | 5.59% | 6.02% | $350.00 | LVR is 80.01% to 90% |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (3 year fixed rate) | 3 years | 5.59% | 5.98% | $350.00 | LVR is 80.01% to 90% |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (4 year fixed rate) | 4 years | 5.74% | 5.99% | $350.00 | LVR is 80.01% to 90% |
| ING Bank | Fixed Rate Home Loan - Investors - Interest only (5 year fixed rate) | 5 years | 5.74% | 5.97% | $350.00 | LVR is 80.01% to 90% |
Macquarie Bank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| MACQUARIE BANK | Basic Home Loan -Owner occupied variable rates Interest only | 5.90% | 5.92% | ≤ 60% | ||
| MACQUARIE BANK | Basic Home Loan -Owner occupied variable rates Interest only Offset | 5.90% | 6.15% | ≤ 60% | ||
| MACQUARIE BANK | Basic Home Loan -Owner occupied variable rates Interest only | 5.94% | 5.96% | ≤ 70% | ||
| MACQUARIE BANK | Basic Home Loan -Owner occupied variable rates Interest only Offset | 5.94% | 6.19% | ≤ 70% | ||
| MACQUARIE BANK | Basic Home Loan -Owner occupied variable rates Interest only | 6.04% | 6.06% | ≤ 80% | ||
| MACQUARIE BANK | Basic Home Loan -Owner occupied variable rates Interest only Offset | 6.04% | 6.29% | ≤ 80% | ||
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (1 year fixed rate) Interest Only | 1 year | 5.55% | 5.93% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (1 year fixed rate) Interest Only Offset | 1 year | 5.55% | 6.15% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (1 year fixed rate) Interest Only | 1 year | 5.65% | 6.02% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (1 year fixed rate) Interest Only Offset | 1 year | 5.65% | 6.25% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (2 year fixed rate) Interest Only | 2 years | 5.49% | 5.88% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (2 year fixed rate) Interest Only Offset | 2 years | 5.49% | 6.10% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (2 year fixed rate) Interest Only | 2 years | 5.59% | 5.98% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (2 year fixed rate) Interest Only Offset | 2 years | 5.59% | 6.20% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (3 year fixed rate) Interest Only | 3 years | 5.49% | 5.84% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (3 year fixed rate) Interest Only Offset | 3 years | 5.49% | 6.07% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (3 year fixed rate) Interest Only | 3 years | 5.59% | 5.94% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (3 year fixed rate) Interest Only Offset | 3 years | 5.59% | 6.16% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (4 year fixed rate) Interest Only | 4 years | 5.69% | 5.87% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (4 year fixed rate) Interest Only Offset | 4 years | 5.69% | 6.10% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (4 year fixed rate) Interest Only | 4 years | 5.79% | 5.97% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (4 year fixed rate) Interest Only Offset | 4 years | 5.79% | 6.20% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (5 year fixed rate) Interest Only | 5 years | 5.69% | 5.86% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (5 year fixed rate) Interest Only Offset | 5 years | 5.69% | 6.08% | ≤ 70% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (5 year fixed rate) Interest Only | 5 years | 5.79% | 5.96% | ≤ 80% | |
| MACQUARIE BANK | Fixed Rate Home Loan - Owner occupied fixed rates (5 year fixed rate) Interest Only Offset | 5 years | 5.79% | 6.18% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment variable rates Interest only | 5.90% | 5.92% | ≤ 60% | ||
| MACQUARIE BANK | Home Loan - Investment variable rates Interest only Offset | 5.90% | 6.15% | ≤ 60% | ||
| MACQUARIE BANK | Home Loan - Investment variable rates Interest only | 5.94% | 5.96% | ≤ 70% | ||
| MACQUARIE BANK | Home Loan - Investment variable rates Interest only Offset | 5.94% | 6.19% | ≤ 70% | ||
| MACQUARIE BANK | Home Loan - Investment variable rates Interest only | 6.04% | 6.06% | ≤ 80% | ||
| MACQUARIE BANK | Home Loan - Investment variable rates Interest only Offset | 6.04% | 6.29% | ≤ 80% | ||
| MACQUARIE BANK | Home Loan - Investment fixed rates (1 year fixed rate) Interest Only | 1 year | 5.55% | 5.93% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (1 year fixed rate) Interest Only Offset | 1 year | 5.55% | 6.15% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (1 year fixed rate) Interest Only | 1 year | 5.65% | 6.02% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (1 year fixed rate) Interest Only Offset | 1 year | 5.65% | 6.25% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (2 year fixed rate) Interest Only | 2 years | 5.49% | 5.88% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (2 year fixed rate) Interest Only Offset | 2 years | 5.49% | 6.10% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (2 year fixed rate) Interest Only | 2 years | 5.59% | 5.98% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (2 year fixed rate) Interest Only Offset | 2 years | 5.59% | 6.20% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (3 year fixed rate) Interest Only | 3 years | 5.49% | 5.84% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (3 year fixed rate) Interest Only Offset | 3 years | 5.49% | 6.07% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (3 year fixed rate) Interest Only | 3 years | 5.59% | 5.94% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (3 year fixed rate) Interest Only Offset | 3 years | 5.59% | 6.16% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (4 year fixed rate) Interest Only | 4 years | 5.69% | 5.87% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (4 year fixed rate) Interest Only Offset | 4 years | 5.69% | 6.10% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (4 year fixed rate) Interest Only | 4 years | 5.79% | 5.97% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (4 year fixed rate) Interest Only Offset | 4 years | 5.79% | 6.20% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (5 year fixed rate) Interest Only | 5 years | 5.69% | 5.86% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (5 year fixed rate) Interest Only Offset | 5 years | 5.69% | 6.08% | ≤ 70% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (5 year fixed rate) Interest Only | 5 years | 5.79% | 5.96% | ≤ 80% | |
| MACQUARIE BANK | Home Loan - Investment fixed rates (5 year fixed rate) Interest Only Offset | 5 years | 5.79% | 6.18% | ≤ 80% |
National Australia Bank (NAB): Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (1-year fixed period) | 1 year | 6.09% | 6.51% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (1-year fixed period) | 1 year | 6.09% | 6.51% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (1-year fixed period) | 1 year | 6.09% | 6.69% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (1-year fixed period) | 1 year | 6.19% | 6.70% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (2-year fixed period) | 2 years | 5.99% | 6.43% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (2-year fixed period) | 2 years | 5.99% | 6.43% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (2-year fixed period) | 2 years | 5.99% | 6.59% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (2-year fixed period) | 2 years | 6.09% | 6.61% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (3-year fixed period) | 3 years | 5.99% | 6.36% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (3-year fixed period) | 3 years | 5.99% | 6.36% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (3-year fixed period) | 3 years | 5.99% | 6.51% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (3-year fixed period) | 3 years | 6.09% | 6.53% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (4-year fixed period) | 4 years | 6.29% | 6.40% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (4-year fixed period) | 4 years | 6.29% | 6.40% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (4-year fixed period) | 4 years | 6.29% | 6.53% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (4-year fixed period) | 4 years | 6.39% | 6.57% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (5-year fixed period) | 5 years | 6.29% | 6.37% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (5-year fixed period) | 5 years | 6.29% | 6.37% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (5-year fixed period) | 5 years | 6.29% | 6.48% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Owner Occupier (5-year fixed period) | 5 years | 6.39% | 6.53% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (1-year fixed period) | 1 year | 5.79% | 6.66% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (1-year fixed period) | 1 year | 5.79% | 6.66% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (1-year fixed period) | 1 year | 5.79% | 6.84% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (1-year fixed period) | 1 year | 5.89% | 6.85% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (2-year fixed period) | 2 years | 5.69% | 6.55% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (2-year fixed period) | 2 years | 5.69% | 6.55% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (2-year fixed period) | 2 years | 5.69% | 6.71% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (2-year fixed period) | 2 years | 5.79% | 6.73% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (3-year fixed period) | 3 years | 5.69% | 6.46% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (3-year fixed period) | 3 years | 5.69% | 6.46% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (3-year fixed period) | 3 years | 5.69% | 6.60% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (3-year fixed period) | 3 years | 5.79% | 6.63% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (4-year fixed period) | 4 years | 6.09% | 6.51% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (4-year fixed period) | 4 years | 6.09% | 6.51% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (4-year fixed period) | 4 years | 6.09% | 6.64% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (4-year fixed period) | 4 years | 6.19% | 6.67% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (5-year fixed period) | 5 years | 6.09% | 6.46% | $0.00 | 60% or less |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (5-year fixed period) | 5 years | 6.09% | 6.46% | $0.00 | 60.01% - 70% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (5-year fixed period) | 5 years | 6.09% | 6.57% | $0.00 | 70.01% - 80% |
| NATIONAL AUSTRALIA BANK | NAB Tailored Home Loan - Interest Only in Arrears - Residential Investor (5-year fixed period) | 5 years | 6.19% | 6.61% | $0.00 | 80.01% or more |
| NATIONAL AUSTRALIA BANK | Basic variable rate - Owner occupier (Interest Only) | 6.84% | 6.36% | $0.00 | 0.7 | |
| NATIONAL AUSTRALIA BANK | Basic variable rate - Residential investor (Interest Only) | 7.17% | 6.81% | $0.00 | 0.7 | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only - Owner Occupier (LVR 60% or less) | 6.76% | 6.57% | $0.00 | 60% or less | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only - Owner Occupier (LVR 60.01% - 70%) | 6.76% | 6.57% | $0.00 | 60.01% - 70% | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only - Owner Occupier (LVR 70.01% - 80%) | 6.96% | 6.77% | $0.00 | 70.01% - 80 | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only - Owner Occupier (LVR 80.01% or more) | 6.96% | 6.77% | $0.00 | 80.01% or more | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only -Residential Investor (LVR 60% or less) | 6.79% | 6.76% | $0.00 | 60% or less | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only -Residential Investor (LVR 60.01% - 70%) | 6.79% | 6.76% | $0.00 | 60.01% - 70% | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only -Residential Investor (LVR 70.01% - 80%) | 6.99% | 6.96% | $0.00 | 70.01% - 80% | |
| NATIONAL AUSTRALIA BANK | Tailored variable rate with offset - Interest Only -Residential Investor (LVR 80.01% or more) | 6.99% | 6.96% | $0.00 | 80.01% or more |
St. George Bank (Westpac Group): Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| ST. GEORGE BANK | Basic variable home loan -Owner Occupier (Interest Only) LVR Up to 70% | 6.79% | 6.23% | $0.00 | Up to 70% | |
| ST. GEORGE BANK | Basic variable home loan -Owner Occupier (Interest Only) LVR Above 70% up to 80% | 6.89% | 6.33% | $0.00 | 70% up to 80% | |
| ST. GEORGE BANK | Basic variable home loan - Investor (Interest Only) LVR Up to 70% | 6.39% | 6.20% | $0.00 | Up to 70% | |
| ST. GEORGE BANK | Basic variable home loan - Investor (Interest Only) LVR Above 70% up to 80% | 6.49% | 6.30% | $0.00 | 70% up to 80% | |
| ST. GEORGE BANK | Basic variable home loan - Investor (Interest Only) LVR Above 80% | 6.79% | 6.60% | $0.00 | Above 80% | |
| ST. GEORGE BANK | Owner Occupier (Interest Only) packaged (1 year fixed rate) | 1 year | 5.99% | 6.28% | $600.00 | |
| ST. GEORGE BANK | Owner Occupier (Interest Only) packaged (2 year fixed rate) | 2 years | 6.19% | 6.32% | $600.00 | |
| ST. GEORGE BANK | Owner Occupier (Interest Only) packaged (3 year fixed rate) | 3 years | 6.19% | 6.34% | $600.00 | |
| ST. GEORGE BANK | Owner Occupier (Interest Only) packaged (4 year fixed rate) | 4 years | 6.39% | 6.43% | $600.00 | |
| ST. GEORGE BANK | Owner Occupier (Interest Only) packaged (5 year fixed rate) | 5 years | 6.39% | 6.46% | $600.00 | |
| ST. GEORGE BANK | Variable home loan with offset (New Owner Occupier Loans) - With LVR up to 70% Interest Only | 6.48% | 6.50% | $600.00 | up to 70% | |
| ST. GEORGE BANK | Variable home loan with offset (New Residential Investment Loans) - With LVR up to 70% Interest Only | 6.49% | 6.47% | $600.00 | up to 70% |
Suncorp Bank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable <=60% LVR) - Personal/Owner | N/A | 6.34% | 6.30% | $600.00 | <=60% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable <=70% LVR) - Personal/Owner | N/A | 6.35% | 6.34% | $600.00 | <=70% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable <=80% LVR) - Personal/Owner | N/A | 6.45% | 6.38% | $600.00 | <=80% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable 80.01 - 90% LVR) - Personal/Owner | N/A | 6.99% | 6.78% | $600.00 | 80.01 - 90% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable <=60% LVR) - Investment | N/A | 6.05% | 6.32% | $600.00 | <=60% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable <=70% LVR) - Investment | N/A | 6.05% | 6.32% | $600.00 | <=70% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable 70.01 - 80% LVR) - Investment | N/A | 6.09% | 6.34% | $600.00 | <=80% |
| SUNCORP BANK | Home Package Plus - Interest Only (Standard Variable 80.01 - 90% LVR) - Investment | N/A | 6.59% | 6.91% | $600.00 | 80.01 - 90% |
| SUNCORP BANK | Home Package Plus - Interest Only (1 Year Fixed^ <=80% LVR) - Investment | 1 year | 5.83% | 6.29% | $600.00 | <=60% |
| SUNCORP BANK | Home Package Plus - Interest Only (1 Year Fixed^ 80.01 - 90% LVR) - Investment | 1 year | 5.83% | 6.85% | $600.00 | <=70% |
| SUNCORP BANK | Home Package Plus - Interest Only (2 Year Fixed^ <=80% LVR) - Investment | 2 years | 5.34% | 6.18% | $600.00 | <=80% |
| SUNCORP BANK | Home Package Plus - Interest Only (2 Year Fixed^ 80.01 - 90% LVR) - Investment | 2 years | 5.54% | 6.72% | $600.00 | 80.01 - 90% |
| SUNCORP BANK | Home Package Plus - Interest Only (3 Year Fixed^ <=80 LVR) - Investment | 3 years | 5.44% | 6.15% | $600.00 | <=60% |
| SUNCORP BANK | Home Package Plus - Interest Only (3 Year Fixed^ 80.01 - 90% LVR) - Investment | 3 years | 5.64% | 6.65% | $600.00 | <=70% |
| SUNCORP BANK | Home Package Plus - Interest Only (5 Year Fixed^ <=80% LVR) - Investment | 5 years | 5.74% | 6.19% | $600.00 | <=80% |
| SUNCORP BANK | Home Package Plus - Interest Only (5 Year Fixed^ 80.01 - 90% LVR) - Investment | 5 years | 5.94% | 6.63% | $600.00 | 80.01 - 90% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Personal / Owner <=60% LVR) - Interest Only | N/A | 6.24% | 5.90% | $600.00 | <=60% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Personal / Owner 60.01 - 70% LVR) - Interest Only | N/A | 6.25% | 5.91% | $600.00 | 60.01 - 70% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Personal / Owner 70.01 - 80% LVR) - Interest Only | N/A | 6.35% | 5.95% | $600.00 | 70.01 - 80% LVR |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Personal / Owner 80.01 - 90% LVR) - Interest Only | N/A | 6.84% | 6.30% | $600.00 | 80.01 - 90% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Investment <=60% LVR) - Interest Only | N/A | 5.95% | 5.89% | $600.00 | <=60% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Investment 60.01 - 70% LVR) - Interest Only | N/A | 5.95% | 5.90% | $600.00 | 60.01 - 70% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Investment 70.01 - 80% LVR) - Interest Only | N/A | 6.00% | 5.92% | $600.00 | 70.01 - 80% |
| SUNCORP BANK | Better Together Offer - Back to Basics Variable (Investment 80.01 - 90% LVR) - Interest Only | N/A | 6.34% | 6.34% | $600.00 | 80.01 - 90% |
| SUNCORP BANK | Back to Basics (≤90% LVR) - Owner Occupied loans with Interest Only Repayments | N/A | 8.32% | 8.28% | $600.00 | ≤90% |
| SUNCORP BANK | Standard Variable (≤90% LVR) - Owner Occupied loans with Interest Only Repayments | N/A | 8.90% | 8.95% | $600.00 | ≤90% |
| SUNCORP BANK | Fixed Rates (≤90% LVR) - Owner Occupied loans with Interest Only Repayments 1 year fixed | 1 year | 5.78% | 8.55% | $600.00 | ≤90% |
| SUNCORP BANK | Fixed Rates (≤90% LVR) - Owner Occupied loans with Interest Only Repayments 2 year fixed | 2 years | 5.44% | 8.19% | $600.00 | ≤90% |
| SUNCORP BANK | Fixed Rates (≤90% LVR) - Owner Occupied loans with Interest Only Repayments 3 year fixed | 3 years | 5.74% | 7.99% | $600.00 | ≤90% |
| SUNCORP BANK | Fixed Rates (≤90% LVR) - Owner Occupied loans with Interest Only Repayments 4 year fixed | 5 years | 6.14% | 7.72% | $600.00 | ≤90% |
UBank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| UBANK | Neat variable (Up to 60% LVR) - Investor - Interest only (IO) | 5.94% | 5.84% | Up to 60% | ||
| UBANK | Neat variable (Up to 70% LVR) - Investor - Interest only (IO) | 5.99% | 5.89% | Up to 70% | ||
| UBANK | Neat variable (Up to 80% LVR) - Investor - Interest only (IO) | 5.99% | 5.92% | Up to 80% | ||
| UBANK | Neat Standard Variable Investment Interest Only Rate | 8.20% | 7.97% | |||
| UBANK | Flex variable (Up to 60% LVR) - Owner Occupied - Interest only (IO) | 5.94% | 5.99% | Up to 60% | ||
| UBANK | Flex variable (Up to 70% LVR) - Owner Occupied - Interest only (IO) | 5.99% | 6.01% | Up to 70% | ||
| UBANK | Flex variable (Up to 80% LVR) - Owner Occupied - Interest only (IO) | 6.04% | 6.06% | Up to 80% | ||
| UBANK | Flex Standard Variable Interest Only Rate (Standard base rate referenced in our loan contracts) | 8.25% | 8.14% | |||
| UBANK | Flex variable (Up to 60% LVR) - Investor - Interest only (IO) | 5.94% | 6.05% | Up to 60% | ||
| UBANK | Flex variable (Up to 70% LVR) - Investor - Interest only (IO) | 5.99% | 6.10% | Up to 70% | ||
| UBANK | Flex variable (Up to 80% LVR) - Investor - Interest only (IO) | 5.99% | 6.13% | Up to 80% | ||
| UBANK | Flex Standard Variable Investment Interest Only Rate | 8.35% | 8.32% | |||
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Owner Occupied - 1 year | 1 year | 5.62% | 5.88% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Owner Occupied - 2 year | 2 years | 5.53% | 5.86% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Owner Occupied - 3 year | 3 years | 5.58% | 5.86% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Owner Occupied - 5 year | 5 years | 5.79% | 5.93% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Owner Occupied - 1 year | 1 year | 5.62% | 5.88% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Owner Occupied - 2 year | 2 years | 5.53% | 5.86% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Owner Occupied - 3 year | 3 years | 5.58% | 5.86% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Owner Occupied - 5 year | 5 years | 5.79% | 5.93% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Owner Occupied - 1 year | 1 year | 5.62% | 5.92% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Owner Occupied - 2 year | 2 years | 5.53% | 5.90% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Owner Occupied - 3 year | 3 years | 5.58% | 5.89% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Owner Occupied - 5 year | 5 years | 5.79% | 5.96% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Investor - 1 year | 1 year | 5.62% | 5.97% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Investor - 2 year | 2 years | 5.53% | 5.94% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Investor - 3 year | 3 years | 5.58% | 5.93% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 60%) - Investor - 5 year | 5 years | 5.79% | 5.99% | Up to 60% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Investor - 1 year | 1 year | 5.62% | 6.01% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Investor - 2 year | 2 years | 5.53% | 5.98% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Investor - 3 year | 3 years | 5.58% | 5.96% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 70%) - Investor - 5 year | 5 years | 5.79% | 6.02% | Up to 70% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Investor - 1 year | 1 year | 5.62% | 6.06% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Investor - 2 year | 2 years | 5.53% | 6.02% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Investor - 3 year | 3 years | 5.58% | 6.00% | Up to 80% | |
| UBANK | Flex Fixed (Interest only (IO) with a LVR up to 80%) - Investor - 5 year | 5 years | 5.79% | 6.04% | Up to 80% |
Westpac Bank: Home loan interest-only mortgage rates
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 1 year fixed term | 1 year | 6.29% | 8.45% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 1 year fixed term Premier Advantage Package | 1 year | 5.99% | 6.49% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 2 year fixed term | 2 years | 6.19% | 8.20% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 2 year fixed term Premier Advantage Package | 2 years | 5.89% | 6.45% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 3 year fixed term | 3 years | 6.49% | 8.08% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 3 year fixed term Premier Advantage Package | 3 years | 6.19% | 6.51% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 4 year fixed term | 4 years | 6.69% | 7.99% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 4 year fixed term Premier Advantage Package | 4 years | 6.39% | 4.58% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 5 year fixed term | 5 years | 6.69% | 7.86% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only - 5 year fixed term Premier Advantage Package | 5 years | 6.39% | 6.59% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 1 year fixed term | 1 year | 6.39% | 8.94% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 1 year fixed term Premier Advantage Package | 1 year | 6.09% | 6.68% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 2 year fixed term | 2 years | 6.29% | 8.65% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 2 year fixed term Premier Advantage Package | 2 years | 5.99% | 6.63% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 3 year fixed term | 3 years | 6.49% | 8.46% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 3 year fixed term Premier Advantage Package | 3 years | 6.19% | 6.65% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 4 year fixed term | 4 years | 6.49% | 8.25% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 4 year fixed term Premier Advantage Package | 4 years | 6.19% | 6.63% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 5 year fixed term | 5 years | 6.49% | 8.07% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only - 5 year fixed term Premier Advantage Package | 5 years | 6.19% | 6.62% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 1 year fixed term | 1 year | 6.19% | 8.96% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 1 year fixed term Premier Advantage Package | 1 year | 5.89% | 6.68% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 2 year fixed term | 2 years | 6.09% | 8.67% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 2 year fixed term Premier Advantage Package | 2 years | 5.79% | 6.63% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 3 year fixed term | 3 years | 6.29% | 8.48% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 3 year fixed term Premier Advantage Package | 3 years | 5.99% | 6.65% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 4 year fixed term | 4 years | 6.29% | 8.28% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 4 year fixed term Premier Advantage Package | 4 years | 5.99% | 6.64% | $0.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 5 year fixed term | 5 years | 6.29% | 8.10% | $600.00 | Up to 70% |
| WESTPAC BANK | Fixed rate home loan (with LVR+ up to 70%) -Investor/ Interest Only in Advance - 5 year fixed term Premier Advantage Package | 5 years | 5.99% | 6.62% | $0.00 | Up to 70% |
| WESTPAC BANK | Basic variable rate home loan (with LVR+ up to 70%) - Owner Occupier/ Interest Only | 7.89% | 6.94% | $0.00 | Up to 70% | |
| WESTPAC BANK | Basic variable rate home loan (with LVR+ up to 70%) - Investor / Interest Only | 6.99% | 6.84% | $0.00 | Up to 70% | |
| WESTPAC BANK | Variable home loan with offset (with LVR+ up to 70%) - Owner Occupier / Interest Only (with Premier Advantage Package) | 6.73% | 6.74% | $0.00 | Up to 70% | |
| WESTPAC BANK | Variable home loan with offset (with LVR+ up to 70%) - Owner Occupier / Interest Only (without Package) | 9.07% | 8.88% | $600.00 | Up to 70% | |
| WESTPAC BANK | Variable home loan with offset (with LVR+ up to 70%) - Investor / Interest Only (with Premier Advantage Package) | 6.60% | 6.84% | $0.00 | Up to 70% | |
| WESTPAC BANK | Variable home loan with offset (with LVR+ up to 70%) - Investor / Interest Only (without Package) | 9.29% | 9.34% | $600.00 | Up to 70% |
Home loan interest-only rates FAQs
How does an interest-only home loan work?
An interest-only home loan allows borrowers to pay only the interest on the loan for a specified period. This period is typically up to five years for owner-occupiers and longer for investors.
During this time, you do not pay down the principal. After the interest-only period ends, the loan reverts to principal and interest repayments, which are generally higher.
Key features of interest-only home loans
- interest payments only: you just pay the interest charges on your home loan during the interest-only term
- no principal reduction: the principal amount of the loan remains unchanged during the interest-only period
- reverts to principal and interest: once the interest-only term ends, repayments switch to covering both interest and principal, increasing the monthly payment amount
This is different from principal and interest loan repayments, where you pay both the loan principal and interest, or the loan balance.
Who might benefit
- property investors: prefer interest-only loans to maintain low costs and leverage tax-deductible interest expenses
- owner-occupiers: might go for interest-only loans to free up cash for other needs, such as during home construction or significant life changes like temporary income reductions
Typical uses
- construction loans: lower repayments during the costly construction phase until the home is complete
- bridging finance: eases the financial burden if buying a new home before selling the current one
- debt management: frees up funds to pay off higher interest debts like credit cards more quickly
To learn more about the best home loan interest-only rates Australia has to offer, compare home loans among various lenders or talk to your mortgage adviser.
Interest-only mortgages can offer financial relief and flexibility. Once the interest-only period ends, repayments increase significantly. Evaluating your long-term financial plan is essential to determine if a home loan interest-only rates structure suits your needs.
Can I switch my mortgage to interest-only?
Yes, switching your mortgage to interest-only is possible, subject to the provider’s criteria. Here's what you need to know:
Eligibility
- lender criteria: providers assess your financial stability and repayment plan for the principal
- financial evidence: proof of income, liabilities, and expenses might be required
- loan to value ratio (LVR): ensure you meet the lender's minimum equity requirements
Key considerations
- repayment term: interest-only periods are temporary, typically up to five years for owner-occupied loans, or ten years for investment loans
- post-interest-only period: once the interest-only period ends, your repayments will switch to principal and interest, increasing your monthly payments
Process
- eligibility assessment: lenders will evaluate your ability to afford increased repayments post-interest-only period
- application: you may need to provide financial documents and complete an application
- approval: lender’s approval is subject to their credit policy and other standards
How to apply
- consult your lender: speak with your lender or mortgage broker to discuss your options and start the application process
- documentation: be prepared to submit financial evidence and meet specific eligibility criteria
Switching to home loan interest-only rates can provide short-term payment relief, but you should be aware of the long-term financial impact. Ensure you meet the lender’s requirements and have a clear repayment strategy for the loan's principal.
Is it wise to get an interest-only mortgage?
Depending on your financial circumstances and objectives, home loan interest-only rates can be beneficial. Here are some of the advantages:
Benefits of home loan interest-only rates
- lower initial repayments: during the interest-only period, monthly repayments are lower since you just pay interest
- increased cash flow: more cash available for other expenses or investments
- short-term needs: suitable for short-term loans like bridging finance or construction loans
- investment property advantages: potentially higher tax deductions on investment properties
- financial flexibility: useful for managing temporary income reductions or increased expenses
Points to consider
- interest-only period limit: maximum of five years for owner-occupied loans and ten years for investment loans
- loan balance: principal remains unchanged during the interest-only period, resulting in paying more interest overall
Additional information
- fixed rate option: some interest-only home loans come with a fixed interest rate. This keeps the rate the same during the fixed period, but it may change after this period ends
- selling your home: selling during the interest-only period is possible, but low equity can make it challenging and may incur break costs, especially on fixed rate loans
- extra repayments: making extra home loan repayments is possible depending on the loan terms, particularly with variable rate loans
- variable rates: interest rates can change with variable rate loans, even during the interest-only period, affecting your repayments
What are the pitfalls of interest-only mortgages?
Interest-only mortgages come with several risks that potential borrowers should consider:
- higher interest costs: home loan interest-only rates can be higher than principal and interest loans. This results in higher costs over the loan's life
- no principal reduction: during the interest-only period, your principal amount doesn’t decrease. This means you are not building equity in your property
- increased repayments later: after the interest-only period ends, your monthly repayments will increase. This can be unaffordable for some borrowers
- market risk: if your property doesn’t increase in value, you won’t build equity. This can be risky if the market declines or your circumstances change
- equity building: equity builds at a slower pace since you're not reducing the loan balance. This can affect your financial condition if you need to sell the property
To mitigate these risks, borrowers should:
- consult lenders: discuss options with your lender if you are concerned about affording new repayments after the interest-only period
- repayment planning: use a home loan interest-only rates calculator to estimate your repayments after the interest-only period to ensure you can manage the increased payments
Careful consideration of these factors can help you get the safest and cheapest home loan interest-only rates that Australia provides.
Deciding to go for interest-only mortgages requires diligent research and planning. Always consult with financial experts to tailor the best approach for your unique situation.
