Online mortgage options in Australia

Compare today’s rates, loan structures and borrowing scenarios — guidance for first home buyers, refinancers and investors across Australia.

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Which online mortgage suits you?

Fixed vs variable, principal & interest vs interest-only, and features like offset accounts and redraws — what to prioritise based on your goals.

First home buyer incentives and LMI considerations
Refinancing cost-benefit and break costs
Investment loan tax impacts and negative gearing basics

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Current rate snapshot

Loan type	Representative rate (p.a.)	Features	Typical use
Basic variable	6.29%	*** offset, low fee	Borrowers prioritising low cost
Offset variable	6.49%	Offset account, redraw	Savers reducing interest
3-yr fixed	5.89%	Rate security, exit fees	Budget certainty
Investor package	6.69%	Split loan, interest-only option	Property investors

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Loan structures & calculators

Split loans explained

Combine fixed and variable portions to limit rate shock while keeping access to redraw and offset functionality.

Learn more about splits

Borrowing power basics

Lenders assess income, living expenses, other debts and serviceability buffers. Use a broker or lender calculator for an estimate.

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Frequently asked questions

Fixed gives certainty for the term; variable offers flexibility and access to features. Consider your tolerance for rate rises and plans to sell or refinance.

Money in an offset account reduces the loan balance used to calculate interest daily. More savings in offset = less interest paid.

Yes — refinancing repays your existing loan using a new product. Check break costs, application fees and whether savings outweigh costs over the intended holding period.