Lowest advertised variable rate this month from our panel lenders: 5.29% p.a. (HSBC Home Value, owner-occupied, comparison rate 5.30% p.a.), with $0 monthly fees and flexible repayments.
Fixed rates from 5.24% p.a. are available across 2, 3, and 5-year terms, offering repayment certainty for borrowers who want stability.
Most featured loans charge no ongoing fees, helping reduce the total cost of borrowing over time.
Unlimited extra repayments and free redraws are common across this month’s picks, giving borrowers more control if their circumstances change.
Welcome to your monthly low rates roundup with Aussie, where we cut through the noise and get straight to what matters: securing you a great home loan deal. Every month our team does the legwork to find the sharpest interest rates in the market.
With the rising cost of living and mortgage repayments pinching harder than ever, staying informed has never been more important. That’s where we come in.
We’re for buyers, full stop. While much of the real estate world might favour property owners looking to sell, at Aussie, we’ve got your back if you want to purchase, invest, or simply find a better deal for your home loan.
This month’s lowest advertised rates from our panel lenders
Here’s a quick snapshot of this month’s standout offers. Remember, these are generally available rates, but individual circumstances (like credit history, property location, and loan-to-value ratio) can influence the deal you ultimately secure.
HSBC Home Value (Owner-Occupied – Variable)
This month, HSBC’s Home Value Loan (P&I Owner-Occupied Variable) remains one of the sharpest variable options on the market. It’s designed for owner-occupiers making principal and interest repayments who want a low rate without ongoing fees. Key features:
Low variable interest rate:
Initial rate 5.29% p.a. (comparison rate 5.30% p.a.)*
$0 monthly fees: No ongoing service fees to manage.
Unlimited extra repayments: Pay down your loan faster without penalties.
Free redraw facility: Access extra repayments if your circumstances change.
No establishment fee: Lower upfront costs.
Minimum loan amount: $150,000
There’s no offset account, but if you’re focused on keeping costs down and staying flexible, this loan is a strong, no-frills option.
HSBC Package Fixed (Owner-Occupied – 2-Year Fixed)
If you’re looking for short-term certainty, HSBC’s 2-year fixed package loan offers predictable repayments while keeping the structure simple. Key features:
Fixed interest rate:
Initial rate 5.24% p.a. (comparison rate 5.82% p.a.)*
Repayment certainty: Lock in your rate for two years.
Package structure: Combines lending features into a single product.
Minimum loan amount: $150,000
This option may suit borrowers who want stability in the near term while keeping an eye on future rate movements.
Great Southern Bank Fixed Rate (Owner-Occupied – 3-Year Fixed)
Great Southern Bank’s 3-year fixed loan is suited to owner-occupiers who want longer certainty and are comfortable locking in their repayments. Key features:
Fixed interest rate:
Initial rate 5.34% p.a. (comparison rate 6.76% p.a.)*
Three years of repayment certainty: Helps with longer-term budgeting.
Minimum loan amount: $150,000
The higher comparison rate highlights the importance of reviewing fees and features alongside the headline rate. An Aussie Broker can help you weigh this up against other options.
HSBC Package Fixed (Owner-Occupied – 5-Year Fixed)
For borrowers who want long-term predictability, HSBC’s 5-year fixed package loan offers rate certainty over a longer horizon. Key features:
Fixed interest rate:
Initial rate 5.59% p.a. (comparison rate 5.90% p.a.)*
Five years of stable repayments: Protection from rate rises.
Package loan structure: Suitable for borrowers who value certainty.
Minimum loan amount: $150,000
This loan may appeal if you prefer locking in your repayments and reducing exposure to market changes.
Bankwest Simple Home Loan Special (Construction – Variable)
Building or renovating? Bankwest’s Simple Home Loan Special (Construction Variable) is designed for owner-occupiers funding a build, with a competitive variable rate during construction.
Key features:
Variable interest rate:
Initial rate 5.49% p.a. (comparison rate 5.52% p.a.)*
Construction-friendly structure: Progress payments supported.
Variable flexibility: Benefit if rates fall over time.
Minimum loan amount: $150,000
Construction loans can be complex, so it’s worth having an Aussie Broker guide you through the setup and ongoing repayments.
HSBC Home Value (Investment – Variable)
For investors making principal and interest repayments, HSBC’s Home Value Investment Variable loan offers a sharp rate with low ongoing costs. Key features:
Variable interest rate:
Initial rate 5.49% p.a. (comparison rate 5.50% p.a.)*
$0 monthly fees: Helps reduce ongoing investment costs.
Unlimited extra repayments: Pay down debt faster if cash flow allows.
Free redraw facility: Access additional repayments if needed.
No establishment fee
Minimum loan amount: $150,000
There’s no offset account, but this is a competitive, cost-effective option for investors focused on flexibility and fee control.
Suncorp Back to Basics (Investment – Variable)
Suncorp’s Back to Basics Investment Variable loan keeps things simple, with a competitive rate and features that support flexible repayment strategies. Key features:
Variable interest rate:
Initial rate 5.49% p.a. (comparison rate 5.50% p.a.)*
No ongoing fees: No monthly or annual service charges.
Unlimited extra repayments: Reduce interest over time.
Free redraw facility: Access extra funds if required.
Minimum loan amount: $150,000
This loan suits investors who want a straightforward structure without paying for features they may not use.
Here’s a table summarising our pick for this month’s lowest-rate loan products:
Loan Product | Interest Rate* | Comparison Rate** |
|---|---|---|
HSBC Home Value (Owner-Occupied – Variable) | 5.29% p.a. | 5.30% p.a. |
HSBC Package Fixed (Owner-Occupied – 2-Year Fixed) | 5.24% p.a. | 5.82% p.a. |
Great Southern Bank Fixed Rate (Owner-Occupied – 3-Year Fixed) | 5.34% p.a. | 6.76% p.a. |
HSBC Package Fixed (Owner-Occupied – 5-Year Fixed) | 5.59% p.a. | 5.90% p.a. |
Bankwest Simple Home Loan Special (Construction – Variable) | 5.49% p.a. | 5.52% p.a. |
HSBC Home Value (Investment – Variable) | 5.49% p.a. | 5.50% p.a. |
Suncorp Back to Basics (Investment – Variable) | 5.49% p.a. | 5.50% p.a. |
Let Aussie help with your loan application
Getting a home loan with a low interest rate can improve your long-term financial stability. Stay informed about the latest rates and review your options regularly to ensure you get the right deal for you.
If you're considering refinancing or taking out a new loan, book a free^ appointment with our Aussie brokers to help guide you through the process and secure the most competitive rate for your needs.
With the right loan, you can save money and achieve your homeownership goals sooner.
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How Aussie has your back
At Aussie, we compare 25+ lenders, assess your unique circumstances, and stay on top of government concessions, grants, and local and national property trends. Our service is free^, so you get expert insights without the extra costs.
Everyone’s journey is different. Some people are stepping onto the property ladder for the first time, while others are upsizing, downsizing, or investing. Wherever you are, we’ll help you secure a loan that supports your goals and keeps your finances on track.
The next step: Talk to an Aussie Broker
Ready to see if one of these loans is the perfect fit? Book a free^ appointment with an Aussie Broker. We’ll cut through the noise, ask the right questions, and give you the facts so you can make a confident decision.
With the right loan, you could save big and reach your homeownership or investment goals sooner than you think.