Compare Top 20 Home Loan Rates In 2025 (February)

2+ million Aussies have used Simple Finance. Apply online & settle faster.

I want to refinance

I want to buy a home

⭐⭐⭐⭐⭐ - 2,500+ 5-star reviews on ProductReview.com.au

$9+ billion settled home loans

25+ Major Australian lenders

Secure and confidential

Access 25+ banks and lenders with low home loan rates

Choosing from over 2,500 different home loan options means you can find the right loan for your individual needs. Plus, our experts will negotiate on your behalf to get you the best deal possible.

We Cover the Whole Spectrum

solar system

solar pv systems

Wind Generators

Alternative Energy

Home loans are complicated. We make them simple.

Choice

Choose from 25+ lenders to access better rates and more features.

Convenience

Our technology makes it easy. No paperwork, just apply online.

You first

We work for you, not the lender. We act in your best interest.

Expert Support

We keep you updated on your loan via phone, email or live chat.

How it works

Tell us about you

Provide details about your property needs and financial situation.

We shortlist options

Our smart tech compares thousands of options from 25+ lenders to match your needs.

Upload your docs

Easily upload all required docs online. This means less paperwork!

Choose your loan

Our Approval Confidence™ tech only shows loans with a high approval likelihood.

Settle the loan

Once you submit your application our team will keep you regularly updated on its progress.

Get started

Here’s what our Happy Aussie customers are saying!

Service goes above and beyond!

Peter and the team got us home financing at a great rate with a reputable lender against all odds He was professional but down to earth, approachable and made the nuances easy to understand.

Frederick Vongpraseuth

Awesome

Peter and the team were so helpful throughout the whole process of purchasing my property. They guided me through each step and had a bunch of tips that I hadn't thought about. Thanks again for making me feel comfortable with all of my questions!

Patrick Cho

Highly Recommend

Very happy with the service provided. Peter is a very knowledgeable and skillful home loan specialist who was able to help us re-finance our loans. Highly recommend.

Anna Liu

Fantastic

Peter from Simpli Finance is brilliant! He is always available to help and has gone above and beyond to assist my family and I...

Tasha Vasos

Excellent!

David was excellent. Prompt, efficient, transparent, knowledgeable, friendly.

Paul Goossens

Awesome

We recently used Simpli finance for refinancing. Kris made the process so easy and the constant updates he gave all the way says a lot about...

Kiruthika Vidhyasagar

All reviews

Did you know you could be

Paying more on interest right now?

Get a lower rate

Eligible for potential cashback offers?

make money for refinancing!

Able to borrow up to 90% with NO LMI!

(certain professions ONLY)

Take the 30-second quiz

Get free expert advice on your home loan

Our experts will help you search, choose and settle your home loan online. Chat to one of our Home Loan Specialists at a time that suits you.

1230 456 789

Live chat

Choose a time

[email protected]

Still looking?

Home Loans

Find your home loan

Refinance your loan

Buy your first home

Buy your next home

Invest in property

Build your home

Property value report

Find your Simpli Finance expert

Calculators

Repayment calculator

Borrowing power calculator

Offset calculator

Home equity calculator

LMI calculator

Debt consolidation calculator

Stamp duty calculator

Free property report

Get inspired

Home design

Simpli Finance homes

Finance

Property

Lifestyle

Insights

FAQs

Understanding home loans

First home owners

Fees

Property reports

Investing in property

What does Simpli Finance do

Loan types

Finance

Repayments

Rates

Vulnerability disclosure

Contact us

Simpli Finance Pty Ltd· Grosvenor Place, L28, 225 George Street Sydney NSW 2000· Ph: 1300 323 181

Important legal stuff

What does an introductory rate mean?

An introductory rate is a promotional interest rate that lenders use to attract new customers. It is sometimes referred to as a ‘honeymoon rate’. An introductory rate is only for a limited period of time, typically 12 months, after which the interest rate on the loan typically rises and reverts to the lender’s standard variable interest rate.

Comparison rates

Comparison rates above are based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true for the example given only and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. Top rates include lenders who are on our panel and are then defined by the circumstances provided by the borrower. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

We are committed to protecting customer privacy and do not sell customer information, please refer to our Privacy Policy for more information.

Our mission is to change the way Australians get home loans by providing a faster, smarter and more secure home loan experience designed around the customer’s convenience and needs. We compare thousands of home loans from over 25 leading lenders.

Simpli Finance Group Pty Ltd, which is the ultimate holding company of the Aussie and Simpli Finance businesses, is owned by numerous shareholders including banks such as CBA, 1835i (ANZ’s external venture capital partner) and Macquarie Bank, the Simpli Finance founders and employees, and a number of Australian institutional investors and sophisticated investors including UniSuper.

# ABOUT US

We Are Fully Dedicated To Support You

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniamquaerat.

See If You Qualify

# CHOOSE YOUR SERVICE

Nearly We Have Been Trying To Provide Those

Auto Dealer Solutions

Lorem ipsum dolor sit ametconsec teturing elit sed do eiusmod tempor incididunt laboret dolore magna aliqua minaquaerat.

Affordable Car Calculator

Auto Financing Center

Valley All Access Rewards

Floor Plan Financing

Lorem ipsum dolor sit ametconsec teturing elit sed do eiusmod tempor incididunt laboret dolore magna aliqua minaquaerat.

Dealership to The Next Level

Financing Option For Your Dealership

Business Insight Center

# Testimonials

People Are Saying About Us.

Leslie Williamso

Homeowners

Donec sollicitudin molestie malesuada. Vivamus magna justo, lacinia eget consectetur sed, convallis at tellus. Quisque velit nisi, pretium ut lacinia in, elementum id enim. Quisque velit nisi, pretium ut lacinia in, elementum id enim.”

# Need Help?

Read Popular Questions

How Do You Qualify For A Loan?

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.

How Do You Qualify For A Loan?

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.

A Good Lender Will Clearly Explain Mortgage?

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.

How Much Home Can You Afford?

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.