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Intro Rate 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 >

Intro Rate Home Loans - AMP - Classic Club - 1 Year Intro Fixed

Intro Rate Home Loans - AMP - Classic Club - 1 Year Intro Fixed Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.09% 7.29% $350 $1,513
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - Suncorp - Introductory 1 Year Fixed Rate

Intro Rate Home Loans - Suncorp - Introductory 1 Year Fixed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.15% 7.30% $600 $1,523
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Variable

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.20% 7.20% $0 $1,697
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Variable (Offset)

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Variable (Offset) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.20% 7.29% $0 $1,697
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - AMP - Classic Club - Intro Variable

Intro Rate Home Loans - AMP - Classic Club - Intro Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.32% 7.40% $350 $1,717
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - Commonwealth Bank - 1 Year Guaranteed Rate

Intro Rate Home Loans - Commonwealth Bank - 1 Year Guaranteed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.33% 7.29% $600 $1,552
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - Commonwealth Bank - MAV 1 Year Guaranteed Rate

Intro Rate Home Loans - Commonwealth Bank - MAV 1 Year Guaranteed Rate Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.33% 7.20% $0 $1,552
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - Police and Nurse Credit Society - Concessional 1 Year Fixed

Intro Rate Home Loans - Police and Nurse Credit Society - Concessional 1 Year Fixed Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.35% 6.90% $650 $1,636
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Unlimited MORE INFO >

Intro Rate Home Loans - Police and Nurse Credit Society - Concessional 1 Year Fixed (WA)

Intro Rate Home Loans - Police and Nurse Credit Society - Concessional 1 Year Fixed (WA) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.35% 6.90% $650 $1,636
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Unlimited MORE INFO >

Intro Rate Home Loans - BankWest - Super Start Home Loan

Intro Rate Home Loans - BankWest - Super Start Home Loan Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.40% 7.08% $0 $1,677
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - BankWest - Super Start Home Loan (Offset)

Intro Rate Home Loans - BankWest - Super Start Home Loan (Offset) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.40% 7.17% $0 $1,677
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - Commonwealth Bank - Rate Saver 3 Year Special Variable

Intro Rate Home Loans - Commonwealth Bank - Rate Saver 3 Year Special Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.49% 6.82% $600 $1,630
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Fixed

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Fixed Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.59% 7.14% $0 $1,595
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Penalty applies if more than 75% of loan is repaid within the first 3 years MORE INFO >

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Fixed (Offset)

Intro Rate Home Loans - BankWest - Mortgage Shredder Intro - 12 Month Fixed (Offset) Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.59% 7.23% $0 $1,595
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

Extra Repayments:
Penalty applies if more than 75% of loan is repaid within the first 3 years MORE INFO >

Intro Rate Home Loans - Commonwealth Bank - 12 Month Discount Variable

Intro Rate Home Loans - Commonwealth Bank - 12 Month Discount Variable Enquire
Interest Rate Comparison Rate Application Fee Monthly Repayment Est.
6.61% 7.38% $600 $1,716
  • Offset
  • Redraw
  • Nill Ongoing Fees
  • Fortnightly Repayments

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

What Are the Benefits of an Intro Rate Home Loan?

Intro rate home loans can give you a little head start at a time when you’re paying off a catalogue of other expenses associated with purchasing your home, such as conveyancing fees, real estate commissions, title searches and improvements to your home for liveability. If you plan to switch to another lender soon after the introductory period is finished, you may be able to save money – but you’ll need to do a detailed assessment of the relevant fees for doing so!

While they do have benefits in certain situations, intro rate home loans also take more finesse in comparison, a longer-term view and a keener eye for relevant terms and conditions than when comparing other types of home loans. You should also consider that once the introductpry period is finished, the default option which your loan reverts to might not suit your financial situation, and extra switching costs might be incurred.

  • Cheaper in the short term: Introductory rate home loans have the very obvious benefit of being cheaper in the short term – up to 1% cheaper. You can use our comparison table on site to see what sort of dollar-difference this might make in your situation.
  • Fit one-off home purchase expenses into a tighter budget: Home purchases come with a raft of single-time expenses. It can seem that there is a hundred-dollar bill attached to every piece of paper that you need somebody to look at! An introductory rate home loan might help you fit these expenses into a tight budget.
  • Simplicity: Apart from the comparison of costs over the longer term, intro rate home loans are basic, no-frills products, and as such may be simpler and therefore more suitable to inexperienced borrowers.
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