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Latest News
12 March 2010
  Forty per cent of first-time home buyers are suffering mortgage stress. Fujitsu found 581,000 households were in mortgage stress, up 0.7 per cent during Febr.....
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12 March 2010
 Average mortgage up 40 per cent
 Rates to go up another two per cent
 Banks reap profits from extra margins
 Term deposit rates at historical highs
 Investors like ANZ
Articles
Credit Cards
  CreditMart recently undertook some analysis around interest rates on reward program credit card offers and found that the average interest rate on these cards was 1.....
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Leasing
 Commercial Hire Purchase
Article
 Building approvals fall
Online Brokers
 RAMS reports profit surge
Internet Banking
 Phishing inhibits banks communication with customers
Low Doc Loans
 RBA considers housing loan stress levels
 
Tips & Tricks
Credit Cards
 
Not all credit cards are created equally. And so it makes it that much harder to decide which credit card offer to choose. There are many factors you sh.....
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Credit Cards
 Credit Card Balance Transfers
 Watch out for the 'revert rate' on balance transfer offers
 Watch for different interest rates on the one card
HomeLoans
 Don't compare against the so-called 'standard variable rate'
 Look out for 'deferred establishment fees'
 

Basic Homeloans Selector Service

Institution Product
Name
Variable
Rate
(% p.a.)
Comparison
Rate
(% p.a.)*
Fees Loan
Value
Ratio (%)
Compare Apply Contact Lender
Sort by ASC
Sort by DESC
Sort by ASC
Sort by DESC
Application ($) Valuation ($) Legal ($) Settlement ($)
You can further compare up to 3 products by checking the boxes and clicking the compare button    
RAMS Home Loans RAMS Basic Loan 6.01% 6.07% $395 $200   $250 80%
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Lender
RAMS Home Loans RAMS IO Maximiser 5.79% 6.14% $395 $200   $250 80%
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Lender
Reduce Home Loans Reduce Basic Variable 5.69% 5.71%       $275 85%
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Lender
St. George Bank St.George Basic Home Loan 6.35% 6.4% $500     $100 80%
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Lender
state custodians mortgage co State Custodians Breathe Easy Home Loan 5.08% 4.99% - - $430 - 80%
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Advice
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Lender
Easy Street Financial Services EasyHome basic Variable 6.04% 6.08% $500       80%
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Lender
Community First Credit Union True Basic 6.04% 6.12% $500 $198 $360   80%
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Lender
ANZ ANZ Land Loan 6.91% 7.01% $600       80%
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Lender
ANZ ANZ Simplicity PLUS 6.21% 6.26% $600       80%
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Lender
Commonwealth Bank Economiser Home Loan 6.35% 6.48% $600       80%
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Lender
Bankwest Lite Home Loan 6.68% 6.69% $500       80%
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Lender
NAB NAB Clear Banking Home Loan 6.74% 6.78% $600       80%
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Lender
NAB NAB Base Variable Rate Home Loan 6.53% 6.57% $600       80%
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Lender
NAB NAB Base Variable Rate Home Loan (limited time only) 6.24% 6.28% $600       80%
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Lender
Citibank Basic Mortgage 6.53% 6.58% $399     $250 80%
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Lender
ING DIRECT Mortgage Simplifier 6.19% 6.19%     $220   80%
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Lender
Colonial-Products of the CBA Rate Saver Basic Investment 8.02% 8.15% $600       80%
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Lender
Heritage Building Society Basic Variable 5.89% 5.935% $600       80%
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Lender
Virgin Money Virgin Standard Home Loan Variable 5.39% 5.39%     $490   80%
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Lender
ANZ ANZ Simplicity PLUS Investment Loan 5.96% 6.01% $600       80%
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Lender
United Community Basic Variable Home Loan 5.94% 6.09% $495       80%
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Lender
Unicom Credit Union Basic Home Loan 6.07% 6.23% $600   $357.5   80%
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Lender
Trustar Mortgage Basic Variable Home Loan 6.09% 6.15%   $220 $270   80%
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Lender
Sydney Credit Union Basic Home Loan 6.35% 6.4% $200 $192.5 $360   80%
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Lender
Bank of Queensland Economy 6.43% 6.58% $595       80%
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Lender
Savings & Loans Credit Union Discounted Variable Home/Investment Loan <$250,000 6.03% 6.16% $600       80%
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Lender
BankSA Basic Home Loan 6.26%   $500     $100 90%
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Lender
The Rock Building Society Advantage + 9.04% 9.09% $600        
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Lender
Railways Credit Union Economy Home Loan 5.7% 5.77%         80%
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Lender
Suncorp Back to Basics 6.36% 6.41% $600       80%
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Lender
State Custodians Mortgage Company State Custodians Breathe Easy Home Loan 6.12% 6.01%         80%
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Lender
SERVICE ONE Members Banking Basic Loan 6.1% 6.24% $500     $250 80%
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Lender
Sydney Home Loans Sydney Pro Pack Variable Rate 7.85%   $550 $275   $50 80%
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Lender
Victoria Teachers Credit Union Basic Home Loan 5.82% 5.86%         80%
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Lender
Waratah Co-operative Housing Society Ltd Base Home Loan 6.28% 6.55% $600.00       80%
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Lender
Newcastle Permanent Building Society Real Deal Home Loan 6.22% 6.25% $400       80%
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Companion Credit Union Basic Variable Home Loan 5.94% 6.09% $445     $150 80%
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Lender
Hume Building Society Hume Interest Saver 5.95% 5.99% $600       95%
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Lender
MyState Financial Essentials Home Loan 6.25% 6.32% $600 $247.50   $102.50  
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Lender
Hunter United Credit Union Basic Variable 6.5% 6.62% $250 $180 $450   80%
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Lender
HSBC Home Value 6.23% 6.3% $500     $150 80%
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Lender
Mortgage House Pure Basic 5.95% 5.95% $300   $369 $299.95 76%
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Lender
AIMS Home Loans Aims First Option Variable Home Loan 6.53% 6.684% $660       80%
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Lender
ING DIRECT Mortgage Simplifier (SmartPack) 6.13% 6.18% $699   $220   80%
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Lender
Westpac Flexi First Option Home Loan 6.31% 6.36% $600       80%
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Lender
Westpac Flexi First Option Investment Loan 6.31% 6.36% $600       80%
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Lender
AMP Basic Variable Rate Loan 6.49% 6.54% $350   $295 $250 80%
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Lender
Arab Bank The Basics Home Loan 6.49% 6.62% $600       80%
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Lender
Teachers Credit Union Smart Home Loan 5.74% 5.79% $200 $250   $150 80%
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Lender
Horizon Credit Union Basic Home Loan - owner occupied 6.45% 6.6% $350 $225 $360   80%
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Lender
Family First Credit Union Variable Home or Investment Loan 6% 6.06%   $400 $630   80%
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Lender
Community CPS Australia Basic Variable Home Loan 5.94% 6.09% $445     $150 80%
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Lender
mecu Basic Home Loan 5.94% 5.98% $595       80%
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Lender
Austral Credit Union Ltd Basic Variable Loan 8.9% 8.97% $700     $500 80%
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Lender
Teachers Credit Union Solutions Plus Home Loan 5.99% 6.04% $200.00 $250   $150 80%
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Lender
Savings & Loans Credit Union Discounted Variable Home/Investment Loan >$250,000 5.91%   $600       80%
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Lender
LoanAustralia Discount Saver 5.71% 6.08% $350   $330 $75 80%
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Lender
RTA Staff Credit Union Basic Variable Home Loan 6.49% 6.53% $350 $255     80%
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Lender
AMO AMO Rate Saver Home Loan 5.79% 6.18% $650   $440   80%
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Lender
IMB IMB Budget Home Loan 6.02% 6.18% $295   $302.5 $150 80%
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Lender
IMB IMB Budget Blue Home Loan 6.27% 6.32% $295   $302.5 $150 80%
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Lender
Illawarra Credit Union Basic Home Loan 6.07% 6.14% $600   $357.5   80%
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Lender
Greater Building Society Basic Home Loan 6.19% 6.19%         80%
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Lender
Defcredit True Value 6.79% 6.83%   $256 $475 $275 80%
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Lender
CUA Basic Variable greater than $250,000 6.19% 6.25% $600     $195 80%
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Lender
CUA Basic Variable 6.29% 6.35% $600     $195 80%
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Lender
Wizard Home Loans Rate Breaker Loan 5.43% 5.48% $100     $660 80%
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Lender
Wizard Home Loans Clear Value 6.26% 6.32% $100     $660 80%
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Lender
Queenslanders Credit Union 'Queenslanders First' Home Loan Pack 5.95% 6.03%         80%
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Lender
Adelaide Bank Greatsaver 6.17% 6.22% $595     $100 80%
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Lender
FCCS Credit Union Basic Home Loan 6.2% 6.3% $750     $275 80%
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Lender
Horizon Credit Union Mortgage Breaker 6.45% 6.68% $250 $225 $360   80%
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Lender
Horizon Credit Union KickStart First Home Buyer Loan 6.2% 6.38% $350 $225 $360   80%
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Lender
Homeloans Ltd Homelans All in One 6.09% 6.42% $564   $350 $75 80%
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Advice
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Lender
Police & Nurses Dream Home Loan 6.24% 6.34% $650       80%
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Lender
Police & Nurses Easypay Home Loan 6.53% 6.63% $650       80%
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Lender
Australian Central Credit Union Discount Variable Rate Home Loan 6.11% 6.17% $650     $200 80%
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Lender
Macquarie Credit Union Low Rate Home Loan 6.16% 6.24% $500 $250 $450   80%
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Contact
Lender
   
 

* WARNING: This Comparison Rate applies only to the example or examples given. Different ammounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included on the Comparison Rate but may influence the costs of the loan.

This Comparison Rate is designed to reflect the total annual cost to a borrower of a loan. It wraps up interest payments and fees and expresses all these costs in one rate, or the average annual percentage rate (AAPR). On the CreditMart website, it makes comparisons between products easier, the comparison rates displayed in tables are based on uniform amounts and terms.

Home loan Comparison Rates on CreditMart are based on a loan amount of $150,000 and a term of 25 years.
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