The Finder Home Loans Awards 2026 celebrates the best home loan products across 15 different categories. Our experts analysed 9 data points for each product, across value and features, for over 7,000 unique home loan product variants across 116 providers - see who came out on top.
Easy Street's Smart Variable Home Loan has been crowned the best investor P&I variable home loan for 2026. As well as a good interest rate, it has no ongoing fees and offers up to 2 100% offset accounts at no extra cost.
Easy Street's Smart Variable Home Loan has been crowned the best investor P&I variable home loan for 2026. As well as a good interest rate, it has no ongoing fees and offers up to 2 100% offset accounts at no extra cost.
Highly commended 
Unloans' variable home loan has been highly commended thanks to its continuous competitive rates throughout the year and no fees.
Unloans' variable home loan has been highly commended thanks to its continuous competitive rates throughout the year and no fees.
Australian Mutual Bank has been highly commended in the investor P&I variable home loan category, with competitive rates and a 100% offset account.
Australian Mutual Bank has been highly commended in the investor P&I variable home loan category, with competitive rates and a 100% offset account.
Hume Bank's MyBlue Variable Home Loan for 60% LVR has been highly commended for its lower rate than many competitors and no fees.
Hume Bank's MyBlue Variable Home Loan for 60% LVR has been highly commended for its lower rate than many competitors and no fees.
Queensland Country Bank has been highly commended for its ultimate variable home loan package thanks to its low special rate and no ongoing fees.
Queensland Country Bank has been highly commended for its ultimate variable home loan package thanks to its low special rate and no ongoing fees.
Queensland Country Bank's Ultimate Variable Home Loan Package - Special Rate Less Than 80% has won the Investor IO Variable Home Loan category. It has a special low rate and no ongoing fees driving up loan costs.
Queensland Country Bank's Ultimate Variable Home Loan Package - Special Rate Less Than 80% has won the Investor IO Variable Home Loan category. It has a special low rate and no ongoing fees driving up loan costs.
Highly commended 
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR has been highly commended in the Investor IO Variable Home Loan category, with no fees and a competitive rate.
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR has been highly commended in the Investor IO Variable Home Loan category, with no fees and a competitive rate.
G&C Mutual Bank's Momentum Home Loan (60% - 80% LVR) has been highly commended in the Investor IO Variable Home Loan category, with no fees and a competitive rate.
G&C Mutual Bank's Momentum Home Loan (60% - 80% LVR) has been highly commended in the Investor IO Variable Home Loan category, with no fees and a competitive rate.
Queensland Country Bank's Ultimate Variable Home Loan Package - Special Rate Above 80% has been highly commended in the Investor IO Variable Home Loan category.
Queensland Country Bank's Ultimate Variable Home Loan Package - Special Rate Above 80% has been highly commended in the Investor IO Variable Home Loan category.
Great Southern Bank's Offset Variable Construction home loan has been highly commended in the Investor IO Variable Home Loan category.
Great Southern Bank's Offset Variable Construction home loan has been highly commended in the Investor IO Variable Home Loan category.
Hume Bank's MyBlue Variable Home Loan Less Than 60% LVR has been highly commended, with its comparatively low rates, no fees and access to offset accounts.
Hume Bank's MyBlue Variable Home Loan Less Than 60% LVR has been highly commended, with its comparatively low rates, no fees and access to offset accounts.
Unloan is the winner of the Owner Occupier P&I Variable Home Loan. Its Variable Home Loan offers consistently low rates which reduce over time and comes with no fees driving up costs.
Unloan is the winner of the Owner Occupier P&I Variable Home Loan. Its Variable Home Loan offers consistently low rates which reduce over time and comes with no fees driving up costs.
Highly commended 
Up's Home Loan has been highly commended thanks to its very competitive interest rate, no fees and free 100% offset account.
Up's Home Loan has been highly commended thanks to its very competitive interest rate, no fees and free 100% offset account.
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR has been highly commended thanks to its good interest rate, no establishment fee and 100% offset account.
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR has been highly commended thanks to its good interest rate, no establishment fee and 100% offset account.
NRMA Home Loans Variable Home Loan with 100% Offset has been highly commended. Although it comes with a monthly fee to cover the cost of the offset, it has a competitve interest rate and no application fee.
NRMA Home Loans Variable Home Loan with 100% Offset has been highly commended. Although it comes with a monthly fee to cover the cost of the offset, it has a competitve interest rate and no application fee.
Tiimely Home has been highly commended with its Own 10% Deposit Variable Rate product. It has a competitive interest rate and a small monthly fee when you attach a 100% offset account.
Tiimely Home has been highly commended with its Own 10% Deposit Variable Rate product. It has a competitive interest rate and a small monthly fee when you attach a 100% offset account.
This Newcastle Permanent Premium Plus Package Home Loan was highly commended thanks to its discounted rate. It comes with an annual package fee but no establishment or other ongoing charges.
This Newcastle Permanent Premium Plus Package Home Loan was highly commended thanks to its discounted rate. It comes with an annual package fee but no establishment or other ongoing charges.
Unloan's Variable Home Loan has been named the winner of the Refinance Variable Home Loan Category. This loan has consistently low rates, with a loyalty discount over time, and comes with no fees.
Unloan's Variable Home Loan has been named the winner of the Refinance Variable Home Loan Category. This loan has consistently low rates, with a loyalty discount over time, and comes with no fees.
Highly commended
Up's Home Loan Variable Rate has been highly commended in the Refinance Variable Home Loan category with its competitive interest rate, no fees and free 100% offset accounts.
Up's Home Loan Variable Rate has been highly commended in the Refinance Variable Home Loan category with its competitive interest rate, no fees and free 100% offset accounts.
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR is highly commended in the Refinance Variable Home Loan category, offering no fees and an offset account.
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR is highly commended in the Refinance Variable Home Loan category, offering no fees and an offset account.
Up Home Loan Variable Rate is the winner of the Variable Home Loan with Offset category. Offering an offset account with a very competitive interest rate and no loan fees, it's an ideal solution for borrowers wanting money-saving features at no extra cost.
Up Home Loan Variable Rate is the winner of the Variable Home Loan with Offset category. Offering an offset account with a very competitive interest rate and no loan fees, it's an ideal solution for borrowers wanting money-saving features at no extra cost.
Highly commended
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR is highly commended in this category thanks to its combination of providing an offset account with low costs.
G&C Mutual Bank's Momentum Home Loan Less Than 60% LVR is highly commended in this category thanks to its combination of providing an offset account with low costs.
NRMA Home Loans Variable Offset Home Loan has been highly commended. It offers up to 6 100% offset accounts for a monthly fee, but no application fee.
NRMA Home Loans Variable Offset Home Loan has been highly commended. It offers up to 6 100% offset accounts for a monthly fee, but no application fee.
Tiimely Home's Own 10% Deposit Variable Rate has been highly commended in the Variable Home Loan with Offset category. The loan comes with a 100% offset account.
Tiimely Home's Own 10% Deposit Variable Rate has been highly commended in the Variable Home Loan with Offset category. The loan comes with a 100% offset account.
Newcastle Permanent's Premium Plus Package Home Loan with new customer offer discount has been highly commended. You can link multiple 100% offset accounts with no monthly fee, but an annual package fee.
Newcastle Permanent's Premium Plus Package Home Loan with new customer offer discount has been highly commended. You can link multiple 100% offset accounts with no monthly fee, but an annual package fee.
Homestar Star Classic Variable Rate Home Loan is highly commended as a variable home loan with offset. This loan provides up to 4 offset accounts, with no application or ongoing fees.
Homestar Star Classic Variable Rate Home Loan is highly commended as a variable home loan with offset. This loan provides up to 4 offset accounts, with no application or ongoing fees.
Macquarie Bank has been crowned the best Large Bank Home Loan Lender. It consistently had the most cost-effective loan over the last 12 months across all of its loan products, when compared with other large lenders.
Macquarie Bank has been crowned the best Large Bank Home Loan Lender. It consistently had the most cost-effective loan over the last 12 months across all of its loan products, when compared with other large lenders.
Easy Street's been crowned the best Customer-Owned Home Loan Lender, offering consistently low costs across its products. Its loans come with optional 100% offset accounts, no ongoing fees and free redraw.
Easy Street's been crowned the best Customer-Owned Home Loan Lender, offering consistently low costs across its products. Its loans come with optional 100% offset accounts, no ongoing fees and free redraw.
Hume Bank's MyBlue Fixed Home Loan - LVR 60% 1 Year has won the best Owner Occupier 1 year Fixed Home Loan. It's had a consistently lower rate than most, with up to 8 offset accounts to reduce your interest payments and no application or ongoing fees.
Hume Bank's MyBlue Fixed Home Loan - LVR 60% 1 Year has won the best Owner Occupier 1 year Fixed Home Loan. It's had a consistently lower rate than most, with up to 8 offset accounts to reduce your interest payments and no application or ongoing fees.
Highly commended 
Horizon Bank's Fixed Rate Home Loan - 1 Year Less Than 70% LVR has been highly commended thanks to its lower interest rate and no ongoing fees.
Horizon Bank's Fixed Rate Home Loan - 1 Year Less Than 70% LVR has been highly commended thanks to its lower interest rate and no ongoing fees.
Pacific Mortgage Group's 1 year Fixed Rate Home Loan has been highly commended in the 1 year fixed rate category for owner occupiers. It has no application fee or ongoing fees in combination with competition rates.
Pacific Mortgage Group's 1 year Fixed Rate Home Loan has been highly commended in the 1 year fixed rate category for owner occupiers. It has no application fee or ongoing fees in combination with competition rates.
Qantas Money's Fixed Offset Home Loan is highly commended in the Owner Occupier 1 year Fixed Home Loan category. As well as strong interest rates it offers a yearly Qantas Points bonus and free redraw.
Qantas Money's Fixed Offset Home Loan is highly commended in the Owner Occupier 1 year Fixed Home Loan category. As well as strong interest rates it offers a yearly Qantas Points bonus and free redraw.
Easy Street's 1 Year Fixed Home Loan has been highly commended. It has a combination of a competitive interest rate, no ongoing fees and the option to have up to 2 100% offset accounts at no extra cost.
Easy Street's 1 Year Fixed Home Loan has been highly commended. It has a combination of a competitive interest rate, no ongoing fees and the option to have up to 2 100% offset accounts at no extra cost.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan has been highly commended. Borrowers can open multiple offset accounts with a competitive interest rate.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan has been highly commended. Borrowers can open multiple offset accounts with a competitive interest rate.
Up Home Loan's Fixed Rate 1 Year is highly commended, with a low interest rate and no application or ongoing fees driving the costs up.
Up Home Loan's Fixed Rate 1 Year is highly commended, with a low interest rate and no application or ongoing fees driving the costs up.
ME's Flexible Home Loan Fixed with Members Package - 1 Year Fixed 80% LVR is highly commended. It has an annual member package fee to benefit from other low costs.
ME's Flexible Home Loan Fixed with Members Package - 1 Year Fixed 80% LVR is highly commended. It has an annual member package fee to benefit from other low costs.
Hume Bank's MyBlue Fixed Home Loan - LVR 60% to 80% 1 Year has been highly commended. This product has a competitive rate and no application or ongoing fees.
Hume Bank's MyBlue Fixed Home Loan - LVR 60% to 80% 1 Year has been highly commended. This product has a competitive rate and no application or ongoing fees.
Macquarie Bank's Basic 1 year Fixed Home Loan 70% LVR is highly commended as one of the best owner occupier 1 year fixed home loans.
Macquarie Bank's Basic 1 year Fixed Home Loan 70% LVR is highly commended as one of the best owner occupier 1 year fixed home loans.
Hume Bank's MyBlue Fixed Home Loan - LVR 80% to 90% 1 Year has been highly commended. This product has a competitive rate and no application or ongoing fees.
Hume Bank's MyBlue Fixed Home Loan - LVR 80% to 90% 1 Year has been highly commended. This product has a competitive rate and no application or ongoing fees.
Suncorp Bank's Home Package Plus Home Loan - Special Offer $150k+ LVR 60% has won the Large Bank Refinance Variable Home Loan category. The package loan removes the monthly account keeping fee and offset account fee.
Suncorp Bank's Home Package Plus Home Loan - Special Offer $150k+ LVR 60% has won the Large Bank Refinance Variable Home Loan category. The package loan removes the monthly account keeping fee and offset account fee.
Highly commended
Combining low costs with package loan benefits, Suncorp Bank's Home Package Plus Home Loan - Special Offer LVR 70% has been highly commended.
Combining low costs with package loan benefits, Suncorp Bank's Home Package Plus Home Loan - Special Offer LVR 70% has been highly commended.
With its competitive rate and low monthly fee, Bendigo Bank's Express Variable Home Loan is highly commended in the Large Bank Refinance Variable Home Loan category.
With its competitive rate and low monthly fee, Bendigo Bank's Express Variable Home Loan is highly commended in the Large Bank Refinance Variable Home Loan category.
Suncorp Bank's Home Package Plus Home Loan - Special Offer $150k+ LVR 80% has been highly commended, giving borrowers with a higher LVR a cost-effective option.
Suncorp Bank's Home Package Plus Home Loan - Special Offer $150k+ LVR 80% has been highly commended, giving borrowers with a higher LVR a cost-effective option.
HSBC's Standard Package Variable Rate - LVR 60% or below has been highly commended. With a single annual payment, this loan doesn't have an establishment fee or settlement fee, and it comes with a 100% offset account.
HSBC's Standard Package Variable Rate - LVR 60% or below has been highly commended. With a single annual payment, this loan doesn't have an establishment fee or settlement fee, and it comes with a 100% offset account.
HSBC's Home Value Loan 60% or less is highly commended thanks to its competitive interest rate and no ongoing fees.
HSBC's Home Value Loan 60% or less is highly commended thanks to its competitive interest rate and no ongoing fees.
With a competitive interest rate and up to 10 offset accounts available, Macquarie Bank's Offset Home Loan Package has been highly commended in the Large Bank Refinance Variable Home Loan category.
With a competitive interest rate and up to 10 offset accounts available, Macquarie Bank's Offset Home Loan Package has been highly commended in the Large Bank Refinance Variable Home Loan category.
With a competitive interest rate and up to 10 offset accounts available, Macquarie Bank's Offset Home Loan Package has been highly commended in the Large Bank Refinance Variable Home Loan category.
With a competitive interest rate and up to 10 offset accounts available, Macquarie Bank's Offset Home Loan Package has been highly commended in the Large Bank Refinance Variable Home Loan category.
HSBC's Standard Package Variable Rate (LVR 80% or below) has been highly commended. There are no establishment or settlement fees but there is an annual fee.
HSBC's Standard Package Variable Rate (LVR 80% or below) has been highly commended. There are no establishment or settlement fees but there is an annual fee.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% LVR) has been crowned the best loan in the Investor P&I 1 Year Fixed Home Loan category. With consistently low rates, no application fees, no ongoing fees and up to 8 100% offset accounts, it's a cost-effective option for investors.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% LVR) has been crowned the best loan in the Investor P&I 1 Year Fixed Home Loan category. With consistently low rates, no application fees, no ongoing fees and up to 8 100% offset accounts, it's a cost-effective option for investors.
Highly commended
Easy Street's 1 Year Fixed Home Loan has been highly commended with a combination of a competitive interest rate, no ongoing fees and free access to 2 offset accounts.
Easy Street's 1 Year Fixed Home Loan has been highly commended with a combination of a competitive interest rate, no ongoing fees and free access to 2 offset accounts.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% to 80% LVR) has been highly commended. It has consistently low rates, no application fees, no ongoing fees and up to 8 100% offset accounts.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% to 80% LVR) has been highly commended. It has consistently low rates, no application fees, no ongoing fees and up to 8 100% offset accounts.
Pacific Mortgage Group's 1 year Fixed Rate Home Loan has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. It has no application fee or ongoing fees in combination with competition rates.
Pacific Mortgage Group's 1 year Fixed Rate Home Loan has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. It has no application fee or ongoing fees in combination with competition rates.
Horizon Bank's Investor Fixed Rate Home Loan (1 Year Less Than 70% LVR) has been highly commended thanks to its lower interest rate and no ongoing fees.
Horizon Bank's Investor Fixed Rate Home Loan (1 Year Less Than 70% LVR) has been highly commended thanks to its lower interest rate and no ongoing fees.
Offering a yearly Qantas Points bonus as well as competitive rates, Qantas Money's Fixed Offset Home Loan is highly commended in the Investor P&I 1 year Fixed Home Loan category.
Offering a yearly Qantas Points bonus as well as competitive rates, Qantas Money's Fixed Offset Home Loan is highly commended in the Investor P&I 1 year Fixed Home Loan category.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (70% LVR) has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. Borrowers can open multiple offset accounts with a competitive interest rate.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (70% LVR) has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. Borrowers can open multiple offset accounts with a competitive interest rate.
Macquarie Bank's Basic 1 year Fixed Home Loan 70% LVR is highly commended as one of the best Investor P&I 1 Year Fixed Home Loans.
Macquarie Bank's Basic 1 year Fixed Home Loan 70% LVR is highly commended as one of the best Investor P&I 1 Year Fixed Home Loans.
HSBC's 1 Year Fixed Rate Home Loan has been highly commended, with its discounted home loan rate and annual fee.
HSBC's 1 Year Fixed Rate Home Loan has been highly commended, with its discounted home loan rate and annual fee.
Qantas Money's 1 Year Fixed Basic Home Loan has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. It has no ongoing fees on top of its competitive rate and yearly points incentive.
Qantas Money's 1 Year Fixed Basic Home Loan has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. It has no ongoing fees on top of its competitive rate and yearly points incentive.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (80% LVR) has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. Borrowers can open multiple offset accounts with a competitive interest rate for its LVR band.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (80% LVR) has been highly commended in the Investor P&I 1 Year Fixed Home Loan category. Borrowers can open multiple offset accounts with a competitive interest rate for its LVR band.
Macquarie Bank's Basic 1 year Fixed Home Loan 80% LVR is highly commended in the Investor P&I 1 Year Fixed Home Loan category.
Macquarie Bank's Basic 1 year Fixed Home Loan 80% LVR is highly commended in the Investor P&I 1 Year Fixed Home Loan category.
The Capricornian's Premium Choice Fixed Home Loan (up to 80% LVR) has won the awards category for the best Investor IO 1 Year Fixed Home Loan. This loan comes with no ongoing fees, offers a 100% offset account and a competitive rate.
The Capricornian's Premium Choice Fixed Home Loan (up to 80% LVR) has won the awards category for the best Investor IO 1 Year Fixed Home Loan. This loan comes with no ongoing fees, offers a 100% offset account and a competitive rate.
Highly commended 
With a competitive interest rate and no application or account fees, SWS Bank's Optimum Fixed Rate Home Loan has been highly commended in the Investor IO 1 Year Fixed Home Loan category.
With a competitive interest rate and no application or account fees, SWS Bank's Optimum Fixed Rate Home Loan has been highly commended in the Investor IO 1 Year Fixed Home Loan category.
Offering a yearly Qantas Points bonus as well as competitive rates, Qantas Money's Fixed Offset Home Loan is highly commended in the Investor IO 1 year Fixed Home Loan category.
Offering a yearly Qantas Points bonus as well as competitive rates, Qantas Money's Fixed Offset Home Loan is highly commended in the Investor IO 1 year Fixed Home Loan category.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (70% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (70% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category. It has no application fee and offers up to 8 100% offset accounts.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category. It has no application fee and offers up to 8 100% offset accounts.
Macquarie Bank's Basic 1 year Fixed Home Loan 80% LVR is highly commended in the Investor IO 1 Year Fixed Home Loan category.
Macquarie Bank's Basic 1 year Fixed Home Loan 80% LVR is highly commended in the Investor IO 1 Year Fixed Home Loan category.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% to 80% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category. It has no application fees, no ongoing fees and up to 8 100% offset accounts, even on a fixed loan.
Hume Bank's MyBlue Fixed Home Loan (1 Year, 60% to 80% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category. It has no application fees, no ongoing fees and up to 8 100% offset accounts, even on a fixed loan.
The Capricornian's Premium Choice Fixed Home Loan (more than 80% LVR) has been highly commended and comes with no ongoing fees, a 100% offset account and a competitive rate.
The Capricornian's Premium Choice Fixed Home Loan (more than 80% LVR) has been highly commended and comes with no ongoing fees, a 100% offset account and a competitive rate.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (80% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category.
Macquarie Bank's Offset Home Loan Package - 1 Year Fixed Loan (80% LVR) has been highly commended in the Investor IO 1 Year Fixed Home Loan category.
Horizon Bank's Fixed Rate Home Loan - 1 Year Less Than 70% LVR has been highly commended in the Investor IO 1 Year Fixed Rate Home Loan category thanks to its lower interest rate and no ongoing fees.
Horizon Bank's Fixed Rate Home Loan - 1 Year Less Than 70% LVR has been highly commended in the Investor IO 1 Year Fixed Rate Home Loan category thanks to its lower interest rate and no ongoing fees.
Easy Street's 1 Year Fixed Home Loan has been highly commended, thanks to a combination of no ongoing fees and a competitive interest rate.
Easy Street's 1 Year Fixed Home Loan has been highly commended, thanks to a combination of no ongoing fees and a competitive interest rate.
Macquarie Bank's Basic Fixed Home Loan (80% LVR) has been highly commended for the Investor IO 1 Year Fixed Home Loan category.
Macquarie Bank's Basic Fixed Home Loan (80% LVR) has been highly commended for the Investor IO 1 Year Fixed Home Loan category.
Greater Bank's Ultimate 1 year Fixed Home Loan has been highly commended in the Investor IO 1 Year Fixed Home Loan category. It has no upfront fees and discounted interest rates.
Greater Bank's Ultimate 1 year Fixed Home Loan has been highly commended in the Investor IO 1 Year Fixed Home Loan category. It has no upfront fees and discounted interest rates.
Newcastle Permanent's Premium Plus Package 1 Year Fixed Rate Special Home Loan has been highly commended. There's an annual fee but no upfront or monthly service fees.
Newcastle Permanent's Premium Plus Package 1 Year Fixed Rate Special Home Loan has been highly commended. There's an annual fee but no upfront or monthly service fees.
Greater Bank's Great Rate Fixed Home Loan (1 Year) has been highly commended. It has no monthly or annual fees, and offers discounted interest rates for new loans.
Greater Bank's Great Rate Fixed Home Loan (1 Year) has been highly commended. It has no monthly or annual fees, and offers discounted interest rates for new loans.
Unloan's Variable Home Loan has been named the best value home loan. This loan has consistently had among the lowest rate over the last 12 months and it comes without any fees adding onto the cost. It even comes with a loyalty discount each year of your loan.
Unloan's Variable Home Loan has been named the best value home loan. This loan has consistently had among the lowest rate over the last 12 months and it comes without any fees adding onto the cost. It even comes with a loyalty discount each year of your loan.
Highly commended
Up Home Variable Rate has been highly commended in the Value Home Loan category. Its value comes from its comparatively low interest rate, no upfront or ongoing fees and access to offset accounts.
Up Home Variable Rate has been highly commended in the Value Home Loan category. Its value comes from its comparatively low interest rate, no upfront or ongoing fees and access to offset accounts.
NRMA Home Loans Variable Offset Home Loan has been highly commended as a Value Home Loan. It offers up to 6 100% offset accounts for a monthly fee, but has no application fee.
NRMA Home Loans Variable Offset Home Loan has been highly commended as a Value Home Loan. It offers up to 6 100% offset accounts for a monthly fee, but has no application fee.
Tiimely Home's Own 10% Deposit Variable Rate has been highly commended in the Value Home Loan category. With a competitive interest rate, the loan also comes with a 100% offset account.
Tiimely Home's Own 10% Deposit Variable Rate has been highly commended in the Value Home Loan category. With a competitive interest rate, the loan also comes with a 100% offset account.
Newcastle Permanent's Premium Plus Package Home Loan has been highly commended in the Value Home Loan category. Its annual fee covers the cost of the features and benefits, and there are no upfront bank fees to worry about.
Newcastle Permanent's Premium Plus Package Home Loan has been highly commended in the Value Home Loan category. Its annual fee covers the cost of the features and benefits, and there are no upfront bank fees to worry about.
Up's Home Variable Rate loan has been crowned the best First Home Buyer Home Loan. You can take out the loan with as little as a 10% deposit and there are no upfront or ongoing fees, keeping the overrall costs down.
Up's Home Variable Rate loan has been crowned the best First Home Buyer Home Loan. You can take out the loan with as little as a 10% deposit and there are no upfront or ongoing fees, keeping the overrall costs down.
Highly commended
Tiimely Home's Own 10% deposit variable rate home loan (with offset) has been highly commended in the First Home Buyer Home Loan category. It's had consistently competitive rates over the last 12 months as well as no upfront or ongoing fees.
Tiimely Home's Own 10% deposit variable rate home loan (with offset) has been highly commended in the First Home Buyer Home Loan category. It's had consistently competitive rates over the last 12 months as well as no upfront or ongoing fees.
Loans.com.au 's Variable Home Loan (90% LVR) is highly commended in the First Home Buyer Home Loan category, thanks to a discounted first home buyer rate and no ongoing fees.
Loans.com.au 's Variable Home Loan (90% LVR) is highly commended in the First Home Buyer Home Loan category, thanks to a discounted first home buyer rate and no ongoing fees.
Tiimely Home's Own 10% Deposit Variable Rate Home Loan (without offset) has been highly commended in the First Home Buyer Home Loan category. It has comparatively low rates and no fees.
Tiimely Home's Own 10% Deposit Variable Rate Home Loan (without offset) has been highly commended in the First Home Buyer Home Loan category. It has comparatively low rates and no fees.
Tiimely Home's Own Invest Variable Home Loan has been highly commended in the First Home Buyer Home Loan category, giving investors a cost-effective way to get into the property market.
Tiimely Home's Own Invest Variable Home Loan has been highly commended in the First Home Buyer Home Loan category, giving investors a cost-effective way to get into the property market.
Macquarie Bank has been crowned the best Owner Occupier Fixed Home Lender. It provides competitive fixed rates between 1 and 5 years, across both its Offset Home Loan and Basic Home Loan.
Macquarie Bank has been crowned the best Owner Occupier Fixed Home Lender. It provides competitive fixed rates between 1 and 5 years, across both its Offset Home Loan and Basic Home Loan.
Newcastle Permanent has been named the winner of the Investor Fixed Home Lender category. It offers special discounted interest rates and no ongoing fees.
Newcastle Permanent has been named the winner of the Investor Fixed Home Lender category. It offers special discounted interest rates and no ongoing fees.
Finder's Home Loan Awards recognises market-leading home loan products, using our proprietary Finder Score ratings methodology, that compares 9 data points for each product, across value and features, for over 7,000 unique variants in our database, across 116 providers.
The products were included in the categories if they were currently available for new applications, not restricted to individual states, occupations or application channels, and met the following criteria.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Rebecca is a senior writer at Finder covering all things money. She has been writing about the home loan market in Australia for 5 years.
Check out the best of the best, judged by experts.
