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The best home loans – because houses are expensive enough.

We check 50 mortgages from 20+ lenders every month, so you can get back the fun stuff, like checking your property valuation.

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1 - 20 of 67
Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Qantas Money logo
Principal & Interest10% min. depositOwner-occupier
Qantas Money logo
Principal & Interest10% min. depositOwner-occupier
Go to site
Product NameQantas Money Variable Home Loan
Interest Rate Typevariable
Repayment Type Principal & Interest
Interest Rate p.a.6.13%
Comp. Rate p.a.6.19%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.13%
Comparison Rate
6.19%
Fees
Application: $345
Ongoing: $0 per month
Monthly Payment
$3,043
Go to siteView details
Points offer
Earn 100,000 Qantas Points every year for the life of your loan. Plus, for a limited time, receive a $1,000 Qantas Hotels & Holidays voucher for new loans $500,000 or more. Submit before 3 Dec 2024. Eligibility criteria, T&Cs apply.
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.79%
Comp. Rate p.a.6.10%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.79%
Comparison Rate
6.10%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,934
Go to siteView details
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
Go to site
Product Nameloans.com.au Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.06%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.04%
Comparison Rate
6.06%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,014
Go to siteView details
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Go to site
Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.64%
Comp. Rate p.a.6.10%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.64%
Comparison Rate
6.10%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$2,887
Go to siteView details
Points offer
Earn 100,000 Qantas Points every year for the life of your loan. Plus, for a limited time, receive a $1,000 Qantas Hotels & Holidays voucher for new loans $500,000 or more. Submit before 3 Dec 2024. Eligibility criteria, T&Cs apply.
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.21%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.19%
Comparison Rate
6.21%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,063
Go to siteView details
Tiimely Home logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Tiimely Home logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Go to site
Product NameTiimely Home Own Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.54%
Comp. Rate p.a.5.95%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.54%
Comparison Rate
5.95%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,855
Go to siteView details
loans.com.au logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupierSpecial
loans.com.au logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupierSpecial
Go to site
Product Nameloans.com.au Fixed
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.6.16%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Available up to $10,000 per year
Finder score
Interest Rate
5.69%
Comparison Rate
6.16%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,902
Go to siteView details
Qantas Money logo
Principal & Interest 1Y Fixed10% min. depositOwner-occupier
Qantas Money logo
Principal & Interest 1Y Fixed10% min. depositOwner-occupier
Go to site
Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.6.18%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.94%
Comparison Rate
6.18%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$2,982
Go to siteView details
Points offer
Earn 100,000 Qantas Points every year for the life of your loan. Plus, for a limited time, receive a $1,000 Qantas Hotels & Holidays voucher for new loans $500,000 or more. Submit before 3 Dec 2024. Eligibility criteria, T&Cs apply.
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.51%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
6.51%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,998
Go to siteView details
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Variable Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.36%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,111
Go to siteView details
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositInvestment
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositInvestment
Go to site
Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.38%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.19%
Comparison Rate
6.38%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$3,063
Go to siteView details
Points offer
Earn 100,000 Qantas Points every year for the life of your loan. Plus, for a limited time, receive a $1,000 Qantas Hotels & Holidays voucher for new loans $500,000 or more. Submit before 3 Dec 2024. Eligibility criteria, T&Cs apply.
People's Choice Credit Union logo
Principal & Interest30% min. depositOwner-occupierNT, VIC & SA only
People's Choice Credit Union logo
Principal & Interest30% min. depositOwner-occupierNT, VIC & SA only
Go to site
Product NamePeople's Choice Credit Union Basic Variable
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.89%
Comp. Rate p.a.5.90%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.89%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,966
Go to siteView details
ANZ logo
Principal & Interest20% min. depositOwner-occupierOffset account
ANZ logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameANZ Plus Home Loan Variable Rate
Interest Rate TypeVariable
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.15%
Minimum Loan Amount$10,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.14%
Comparison Rate
6.15%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,046
$2,000 cashback
Borrowers refinancing $250k or more to ANZ Plus before 31st March 2025 could get a cashback of $2,000. Excl. refinancers from ANZ or Suncorp. Other terms and conditions apply.
Easy Street logo
Interest only 2Y Fixed20% min. depositInvestmentOffset accountSpecial
Easy Street logo
Interest only 2Y Fixed20% min. depositInvestmentOffset accountSpecial
Go to site
Product NameEasy Street Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.79%
Comp. Rate p.a.6.04%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.79%
Comparison Rate
6.04%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$2,934
Go to siteView details
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.58%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.19%
Comparison Rate
6.58%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,063
Go to siteView details
Newcastle Permanent logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupierSpecial
Newcastle Permanent logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupierSpecial
Product NameNewcastle Permanent Premium Plus Package Fixed Rate
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.49%
Comp. Rate p.a.7.65%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.49%
Comparison Rate
7.65%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,839
Contact BrokerView details
$3,000 cashback offer
Eligible purchasers and refinancers can get $2,000 or $3,000 depending on loan value, as long as LVR is 80% or lower. Terms and conditions apply.
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.95%
Comp. Rate p.a.6.33%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.95%
Comparison Rate
6.33%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,985
Go to siteView details
Macquarie Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupier
Macquarie Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupier
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.6.08%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.69%
Comparison Rate
6.08%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,902
Go to siteView details
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameNewcastle Permanent Real Deal Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.03%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
6.03%
Fees
Application: $595
Ongoing: $0 p.a.
Monthly Payment
$2,998
Contact BrokerView details
$3,000 cashback offer
Eligible purchasers and refinancers can get $2,000 or $3,000 depending on loan value, as long as LVR is 80% or lower. Terms and conditions apply.
Qantas Money logo
Principal & Interest10% min. depositInvestment
Qantas Money logo
Principal & Interest10% min. depositInvestment
Go to site
Product NameQantas Money Variable Home Loan
Interest Rate Typevariable
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.41%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.34%
Comparison Rate
6.41%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$3,111
Go to siteView details
Points offer
Earn 100,000 Qantas Points every year for the life of your loan. Plus, for a limited time, receive a $1,000 Qantas Hotels & Holidays voucher for new loans $500,000 or more. Submit before 3 Dec 2024. Eligibility criteria, T&Cs apply.
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What is a home loan?

A home loan, also known as a mortgage, is a type of loan that is designed to help individuals finance the purchase of a residential property. This can be their own home or an investment property.

It is a long-term loan provided by a financial institution, such as a bank or lender. The property is the security for the loan, and lenders require borrowers to save a deposit.

Want more details? Check out Finder's guide on how to buy a house.

What is Finder Score?

Finder Score is an easy, data-driven way to judge home loans at a glance. Our insights team compares more than 7,000 home loans across 120+ lenders to give each product a score out of 10 comparative to other products of its type.

This means we compare products against others of its type. For example, variable rate home loans against variable rate home loans, and investor home loans against investor home loans. In total, there are 12 different product groupings.

We filter the loans in our database for each category so that we're only looking at loans that work for the borrower type. So, if we're picking the best loan for first home buyers, we'll only look at lenders that lend to first home buyers and have a maximum LVR of 90%.

The final Finder Score takes into account the product's interest rate and its fees. The higher the score, the lower the cost compared to other products of its type.

What the Finder Score mean for home loans

  • 9+ Excellent - These are the home loans which offer the lowest costs coupled with plenty of features, giving the best overall value.
  • 7+ Great - These home loans may have slightly higher interest rates, maybe a fee or two, or fewer features, but overall, a competitive offering.
  • 5+ Satisfactory - Usually these home loans would offer above average rates and may still include some competitive features, but they're not the best value for the overall cost.
  • Less than 5 - Basic - These home loans have higher costs and/or fewer features than other home loans on the market.

Fixed rate vs. variable rate home loans

Fixed rate

  • Rate stability. Your interest rate remains the same for a set period, usually between 1 to 5 years.
  • Lack of flexibility. Often comes with fewer flexible features like offset accounts or redraw facilities. You usually cannot refinance during the fixed period.
  • Limited additional repayments. Often have restrictions on the amount of additional repayments you can make during the fixed period.

Variable rate

  • Rate flexibility. Your interest rate fluctuates based on market conditions. If rates decrease, you can benefit from lower repayments.
  • Increased flexibility. More options for additional repayments via offset and extra repayment/redraw facilities.
  • Rate uncertainty. If rates rise, your mortgage repayments will increase, potentially causing financial strain.

How to compare home loans

Here's a breakdown of features and charges you should know about.

FeatureWhat is it?What you should know
Interest RateThe percentage charged by the lender on the amount borrowed.The higher the interest rate, the higher your repayments will be.
Comparison RateDesigned to help borrowers understand the true cost of the home loan by considering both the interest rate and loan fees.The comparison rate is based on an example calculation and is not an exact indication of a loan's costs to you.
p.a.This abbreviation of "per annum" is used for home loan interest rates, because the annual (or yearly) value is shown.While interest is expressed as an annual percentage, most borrowers make monthly or fortnightly repayments.
Offset AccountA transaction account linked to a home loan. The balance on the offset account is deducted from the amount owed when calculating interest.The more money you put in an offset, the less interest your lender charges you. Your monthly repayments stay the same but you can repay the loan faster.
Redraw facilityAllows borrowers to access extra funds that they have voluntarily paid towards their mortgage (on top of usual repayments).Any additional repayments you make will reduce the amount owing on your loan, so when you redraw from those funds the amount you owe will increase again.

How much can you save with a lower interest rate?

Using some average data from Finder's database and the ABS, we've calculated that an Australian borrower could save around $6,996 with a better rate.

  • The average Australian borrower has a loan amount of $641,143 (a record high, by the way!).
  • The average variable interest rate loan in Finder's database is 7.08%. The lowest variable rate available on Finder is 5.69%.
  • Assuming a 30-year loan term, if you switched to that lower rate your monthly repayments would drop from $4,301 to $3,718. That’s a saving of $583 every month, or around $6,996 a year.

*Rates and averages are current as of October 2024. This is an example calculation only and doesn't take into account loan fees, changes in interest rates or any borrower's individual circumstances.

Disclaimer

*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Richard Whitten's headshot
Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 554 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
Sarah Megginson's headshot
Co-written by

Head of editorial

As an authority on all things personal finance, Sarah Megginson is passionate about helping you save money and make money. She is an editor and money expert with 20 years’ experience and an extensive background in property and finance journalism. Sarah holds ASIC RG146-compliant Tier 1 Generic Knowledge certification, and she's a regular media commentator, appearing weekly on TV (Sunrise, Channel 7 news, Nine news), radio (KIIS FM, Triple M, 3AW, 2GB, 6PR) and in digital and print media. See full bio

Sarah's expertise
Sarah has written 191 Finder guides across topics including:
  • Home loans
  • Personal finance
  • Budgeting and money-saving tips
  • Managing the cost of living

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