Weekly low-rate home loan update: Aussie reviews generally available home loan rates each week to highlight competitive variable and fixed options for owner-occupiers, construction borrowers and investors.
Lowest owner-occupied variable rate this week from our panel lender: Newcastle Permanent Basic Real Deal from 5.49% p.a. (comparison rate 5.53% p.a.) for principal and interest repayments.
Fixed-rate certainty options: Newcastle Permanent and ING offer 2-year, 3-year and 5-year fixed home loan rates, helping borrowers lock in predictable repayments.
Construction lending option included: Newcastle Permanent Basic Real Deal construction loan supports progress payments during a build with a variable rate structure.
Compare loans before applying: An Aussie Broker can compare options from 25+ lenders and help determine whether refinancing, fixing or switching loans suits your circumstances.
Welcome to your Weekly Low Rates Roundup with Aussie, where we cut through the noise and get straight to what matters: securing you a great home loan deal. Weekly, 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.
It’s no fluff or BS, just facts, figures, and a genuine desire to help you chase your homeownership goals.
This week’s lowest rates
Here’s a quick snapshot of this week’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.
Loan product | Interest rate* | Comparison rate** |
|---|---|---|
Newcastle Permanent Basic Real Deal Home Loan (P&I – Owner-Occupied – Variable) | 5.49% p.a.* | 5.53% p.a.** |
Newcastle Permanent Premium Plus Package Fixed Rate Home Loan (P&I – Owner-Occupied – Fixed) | 2-year fixed rate: 5.69% p.a.* | 2-year fixed rate: 7.31% p.a.** |
ING Orange Advantage Combo Fixed (P&I – Owner-Occupied – Fixed) | 3-year fixed rate: 5.79% p.a.* 5-year fixed rate: 5.89% p.a.* | 3-year fixed rate: 5.71% p.a.** 5-year fixed rate: 5.78% p.a.** |
Newcastle Permanent Basic Real Deal Home Loan (P&I – Owner-Occupied – Variable – Construction) | 5.49% p.a.* | 5.53% p.a.** |
HSBC Home Loan Package (P&I – Investment – Variable) | 5.64% p.a.* | N/A |
Newcastle Permanent Basic Real Deal
(P&I – Owner-Occupied – Variable)
Newcastle Permanent’s Basic Real Deal (formally the Newcastle Permanent Basic Real Deal Home Loan) appears this week as a competitive, no-frills option for borrowers prioritising a sharp variable rate over bundled package features.
This loan is designed for owner-occupiers making principal and interest repayments who prefer a simple structure focused on core lending functionality.
Here are its key features:
Variable interest rate:
Initial rate: 5.49% p.a.* (comparison rate: 5.53% p.a.)**
Principal and interest repayments: Gradually reduce the loan balance over time.
Variable rate structure: Rates may rise or fall in line with market conditions.
Basic loan format: Focused on keeping costs lower rather than including premium package benefits.
Minimum loan amount: $150,000
This product does not include bundled extras such as multiple offset accounts or premium package inclusions.
Newcastle Permanent Premium Plus Package Fixed
(P&I – Owner-Occupied – 2-Year Fixed)
Newcastle Permanent’s Premium Plus Package (formally the Premium Plus Package Fixed Rate Home Loan) appears this week as a short-term fixed-rate option for borrowers seeking repayment certainty.
Fixing the rate for two years means repayments remain stable during the fixed period, while allowing borrowers to review their loan structure sooner than with longer fixed terms. Its key features include:
2-year fixed interest rate:
Initial rate: 5.69% p.a.* (comparison rate: 7.31% p.a.)**
Repayment certainty: Rates and repayments remain fixed for the two-year term.
Principal and interest repayments: Gradually reduce the loan balance over time.
Package loan structure: May include bundled features under the Premium Plus Package (terms apply).
Minimum loan amount: $150,000
As with most fixed-rate loans, break costs may apply if the loan is refinanced, repaid early or the property is sold during the fixed period.
ING Orange Advantage Combo Fixed
(P&I – Owner-Occupied – 3-Year & 5-Year Fixed)
ING’s Orange Advantage Combo Fixed (formally the ING Orange Advantage Home Loan – Combo Fixed Rate) features this week as a mid-term fixed-rate option for borrowers seeking predictable repayments.
A three-year fixed term can provide repayment stability while allowing borrowers to review their loan structure within a relatively short timeframe.
In addition, fixing a loan for five years means repayments remain stable throughout the fixed period, which may assist with long-term budgeting.
Here are its key features:
Fixed interest rate options:
3-year fixed rate: 5.79% p.a.* (comparison rate: 5.71% p.a.)**
5-year fixed rate: 5.89% p.a.* (comparison rate: 5.78% p.a.)**
Fixed repayment structure: Repayments remain stable during the fixed period.
Principal and interest repayments: Help reduce the loan balance over time.
Combo loan structure: May combine fixed-rate certainty with additional loan features (terms apply).
Minimum loan amount: $150,000
Borrowers considering a fixed-rate loan should also weigh how long they expect to hold the loan before refinancing, selling or restructuring.
Newcastle Permanent Basic Real Deal
(P&I – Owner-Occupied – Variable)
Newcastle Permanent’s Basic Real Deal (formally the Newcastle Permanent Basic Real Deal Home Loan) also appears this week as a lending option designed for borrowers building a new home or undertaking a major renovation.
Construction loans typically involve staged progress payments as the project moves through each build phase. A variable-rate structure allows flexibility during this process. Its key features include:
Variable interest rate:
Initial rate: 5.49% p.a.* (comparison rate: 5.53% p.a.)**
Construction lending structure: Supports staged progress payments throughout the build.
Principal and interest repayments: Gradually reduce the loan balance over time.
Variable rate flexibility: Rates may rise or fall with market movements.
Minimum loan amount: $150,000
Construction lending can involve additional documentation and staged drawdowns.
HSBC Home Loan Package
(P&I – Investment – Variable)
For investors, HSBC’s Package (formally the HSBC Home Loan Package – Variable Rate) joins this week’s update as a competitive variable-rate option. With principal and interest repayments and a package structure, this loan may suit investors focused on managing interest costs while steadily reducing investment debt.
Here are its key features:
Variable interest rate:
Initial rate: 5.64% p.a.* (Comparison rate not available)
Principal and interest repayments: Supports the gradual reduction of the investment loan balance.
Variable rate structure: Rates may move up or down over time.
Package format: May include bundled features (terms apply).
Minimum loan amount: $150,000
Investors seeking interest-only terms or more complex structuring may wish to compare alternative options.
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.
Stay in the know
Bookmark this page: We update these rates monthly, so you always have the freshest deals at your fingertips. Come back each month to stay in the loop.
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Talk to Aussie: See a rate that catches your eye? Get in touch, and our brokers will guide you through the next steps, tailoring the right home loan product to your situation.
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.