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Basic Home Loans

Variable Rate Home Loans - State Custodians - standard variable offset

Variable Rate Home Loans - State Custodians - standard variable offset Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.22% 6.30% $345 $1,534
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Yes - Free, unlimited additional repayments MORE INFO >

Basic Home Loans - AMP - Basic 2 Year Fixed Spring Campaign

Basic Home Loans - AMP - Basic 2 Year Fixed Spring Campaign Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.99% 6.44% $0 $1,497
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - AMP - Basic 3 Year Fixed Spring Campaign

Basic Home Loans - AMP - Basic 3 Year Fixed Spring Campaign Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
5.99% 6.40% $0 $1,497
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - AMP - Basic 1 Year Fixed Spring Campaign

Basic Home Loans - AMP - Basic 1 Year Fixed Spring Campaign Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.09% 6.49% $0 $1,513
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - Citibank - Basic Variable

Basic Home Loans - Citibank - Basic Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.45% 6.45% $0 $1,572
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
No minimum or maximum. MORE INFO >

Basic Home Loans - AMP - Basic Variable Spring Campaign

Basic Home Loans - AMP - Basic Variable Spring Campaign Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.52% 6.53% $0 $1,583
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - Heritage - Basic Variable

Basic Home Loans - Heritage - Basic Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.53% 6.53% $0 $1,585
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Unlimited MORE INFO >

Basic Home Loans - AMP - Basic 2 Year Fixed Spring Campaign (90% + LMI Cap)

Basic Home Loans - AMP - Basic 2 Year Fixed Spring Campaign (90% + LMI Cap) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.59% 7.05% $350 $1,595
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - AMP - Basic 3 Year Fixed Spring Campaign (90% + LMI Cap)

Basic Home Loans - AMP - Basic 3 Year Fixed Spring Campaign (90% + LMI Cap) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.59% 7.01% $350 $1,595
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - Suncorp - Back to Basics $150k+

Basic Home Loans - Suncorp - Back to Basics $150k+ Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.60% 6.60% $0 $1,597
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Suncorp. MORE INFO >

Basic Home Loans - Bank of Melbourne - Basic Home Loan

Basic Home Loans - Bank of Melbourne - Basic Home Loan Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.63% 6.65% $500 $1,602
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by Bank of Melbourne. MORE INFO >

Basic Home Loans - St George Bank - Basic Home Loan

Basic Home Loans - St George Bank - Basic Home Loan Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.63% 6.65% $500 $1,602
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Information has not been provided by St George Bank. MORE INFO >

Basic Home Loans - AMP - Basic 1 Year Fixed Spring Campaign (90% + LMI Cap)

Basic Home Loans - AMP - Basic 1 Year Fixed Spring Campaign (90% + LMI Cap) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.69% 7.10% $350 $1,612
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - AMP - Basic 5 Year Fixed Spring Campaign

Basic Home Loans - AMP - Basic 5 Year Fixed Spring Campaign Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.69% 6.60% $0 $1,612
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - AMP - Basic Variable

Basic Home Loans - AMP - Basic Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.87% 6.90% $350 $1,641
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

Basic Home Loans - AMP - Basic Variable Spring Campaign (90% + LMI Cap)

Basic Home Loans - AMP - Basic Variable Spring Campaign (90% + LMI Cap) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
7.12% 7.15% $350 $1,683
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Additional repayments at any time by electronic transfer, by mail or deposit at Australia Post. MORE INFO >

What Are the Benefits of a Basic Home Loan?

If you have ever said, “But why would I need all of that stuff?”, a basic home loan may be the right one for you. It is easy to get lost in the maze of Product Disclosure Statements, published interest rates and fees (and movements in these over time), clauses and conditions that come along with more fully featured home loans. Basic home loans give you confidence, a lower interest

Yet it is important that you make sure features that you will need and use can be accessed through the loan. Some basic home loans can be restrictive, and you should make sure that you have the ability to utilise your home loan differently if your financial circumstances change.

Once you’ve made sure that a Basic home loan has the tools that you’ll need, you’ll enjoy benefits such as:

  • Confident understanding: Unlike many financial products, basic home loans are very simple contracts. If you aren’t legally or financially minded, or you don’t have the time to keep yourself updated with the most current interest rates, fees and charges, the stripped-back version of a variable rate loan will leave you valuable brain-space.
  • Can be cheaper: Because they have fewer associated administration costs, basic home loans are almost always cheaper than the standard variable rate loan.
  • Interest rate decreases are passed on: Because basic home loans have a variable interest rate, any rate cuts are generally passed on to you. Variable rate loans have often proven cheaper than fixed rate loans in the long term.
Featured Home Loans
Get A Hot Home Loan Rate
5.99
% p.a.
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Standard Variable
6.22
% p.a.
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Performance Plus 2 Yr Fixed
6.79
% p.a.
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