Our latest interest rates

Lender Product Annual Interest
Rate % p.a.
Rate % p.a.
Lender P Fixed Rate Loan (O/Occ) 3.69% 4.35%
Lender N Homeloans Ultra Plus 3.79% 4.04%
Lender AB NAB National Fixed Choice Package - Principal and Interest 3.89% 4.84%
Lender A SmartFix 3.99% 4.50%
Lender K Fixed Rate home loan - (Owner Occupier) 3.99% 4.56%
Lender Product Annual Interest
Rate % p.a.
Rate % p.a.
Lender P Orange Advantage ($500k+ where LVR <=80% O/Occ) 3.74% 3.96%
Lender M Discount Variable Special Offer Rate 3.79% 3.84%
Lender M Home Advantage Variable $150,000 to $249,999 3.88% 4.25%
Lender K Fresh Start Basic Home Loan (Owner Occupier) 3.89% 3.94%
Lender A SmartSaver 3.94% 3.98%
Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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Our panel of lenders


Not all brokers sell the products of all lenders, and some products of lenders may require special approval.

Why is our home loan service no cost to you?

No cost to you

Our home loan service is at no charge to our customers because the lenders pay Mortgage Choice a commission on home loan settlement. This doesn't affect the deal you get from the lender. Lenders receive a lot of business through brokers, so they work closely with us and offer great deals to our customers.

We pay your broker

Mortgage Choice then pays a commission to the broker. At Mortgage Choice, the only thing that matters to us is the home loan that's right for you. So we pay your broker the same rate of commission no matter which home loan you choose from our wide choice of lenders. With other brokers, that's not always the case.

The right loan for you

This means you can tap into your broker's expertise at no charge and save yourself time and hassle looking for the right home loan option, with peace of mind that your Mortgage Choice broker has your best interests at heart.

What makes us different?

Let us do the shopping around

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We're committed to great service

"I purchased my first home and to say it was a daunting experience is an understatement. I don’t know how I would have actually navigated through it all without the support of my Mortgage Choice broker. She made everything clear and her customer service and knowledge of the industry was exceptional."

Sarah Nayton

"Our broker was friendly, prompt, courteous and informative. In respect to securing a loan, he made it possible where others could not, and he has been able to structure our finances for future growth and investment. We would have no hesitation in dealing with Mortgage Choice for our next loan."

David and Maria Lawry

"We still can’t believe how easy it was. Not only did our broker arrange an appointment suited around us but within a short time we felt completely comfortable and at ease with our refinance options. He gave us options which empowered us with choices that saved real time, lots of money and much anguish."

Nick and Angela Vlahadamis

Crunch your numbers on the go

The Mortgage Choice Home Loan Helper App is your own pocket sized loan calculator - free from the Apple and Google Play stores.

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