Athena Home Loans
Digital-first
AcceleRATE Refinance Variable
No feesLoyalty pricing as you pay down100% offset
Updated 7 May 2026 · 67 lenders
The home loan panel, in plain English
Editorial directory of the Australian home loan lenders we follow, grouped by product type. We do not publish rate numbers against each lender; the live rate sits with the lender on their own rate card.
Editorial directory
Lenders, not rates we cannot verify
Variable (44)
Australia and New Zealand Banking Group
Major bank
Breakfree Standard Variable
100% offsetUnlimited extra repaymentsRedraw
Bank Australia
Customer-owned
Premium Home Loan Variable
Optional offsetFree redrawNo annual fee
Bank Australia
Customer-owned
Clean Energy Home Loan
1% discount for energy-efficient homes (NatHERS 7+)5-year discount period
Bank of Melbourne
Major-bank brand · part of Westpac
Advantage Package Variable
100% offsetUnlimited extra repaymentsRedraw
Bank of Queensland
Tier-2 bank
Smart Saver Home Loan Variable
100% offsetUnlimited extra repaymentsRedraw
BankSA
Major-bank brand · part of Westpac
Advantage Package Variable
100% offsetUnlimited extra repaymentsRedraw
Bankwest
Major-bank brand · part of Commonwealth Bank
Complete Home Loan Variable
100% offsetUnlimited extra repaymentsRedraw
Bendigo and Adelaide Bank
Tier-2 bank
Express Home Loan Variable
Optional offsetFree extra repayments and redraw
Beyond Bank Australia
Customer-owned
Total Home Loan Package Variable
100% offsetLinked credit cardAnnual package fee
Bluestone Mortgages
Non-bank
Bluestone Prime Variable
Self-employed-friendlyOptional offset
Bluestone Mortgages
Non-bank
Bluestone Near-Prime Variable
Credit-impaired borrowersBank statement income evidence
Commonwealth Bank of Australia
Major bank
Wealth Package Variable
100% offsetUnlimited extra repaymentsRedraw
Defence Bank
Customer-owned
Variable Home Loan
Optional offsetFree redraw
Defence Bank
Customer-owned
DHOAS Home Loan
DHOAS subsidy appliedEligible ADF members only
Firstmac
Non-bank
Firstmac Prime Variable
Optional offsetFree redrawNo annual fee
Heritage Bank (People First Bank)
Customer-owned
Discount Variable
Optional offsetFree redrawNo annual fee
HSBC Bank Australia
Foreign bank
Premier Home Loan Variable
100% offsetPremier banking benefitsMulti-currency account access
IMB Bank
Customer-owned
Budget Home Loan Variable
Free redrawNo annual feeFree extra repayments
ING Australia
Tier-2 bank
Mortgage Simplifier Variable
Optional offsetNo annual feeFree extra repayments and redraw
La Trobe Financial
Non-bank
Lite Doc Variable
12 months BAS or accountant declarationFor self-employed borrowers
La Trobe Financial
Non-bank
Specialist Variable
For borrowers with credit-file impairmentsBank statement income evidence
Liberty Financial
Non-bank
Liberty Star Variable
Optional offsetFree redraw
Liberty Financial
Non-bank
Liberty SMSF Home Loan
LRBA-compliant structureResidential or commercial property eligible
Macquarie Bank
Tier-2 bank
Offset Variable Home Loan
100% offsetUnlimited extra repaymentsRedraw
ME Bank
Tier-2 bank · part of BOQ
Flexible Home Loan
Optional offsetFree extra repayments and redrawNo annual fee
National Australia Bank
Major bank
NAB Choice Package Variable
100% offsetUnlimited extra repaymentsRedraw
Newcastle Permanent (Newcastle Greater Mutual Group)
Customer-owned
Real Deal Home Loan Variable
Optional offsetNo annual feeFree redraw
People First Bank
Customer-owned
Discount Home Loan Variable
Optional offsetFree redraw
Pepper Money
Non-bank
Pepper Essential Variable
Optional offsetFree redrawSelf-employed friendly
Pepper Money
Non-bank
Pepper Near-Prime Variable
For borrowers with credit-file impairmentsBAS or accountant-letter income evidence accepted
Pepper Money
Non-bank
Pepper Specialist Variable
For significant credit impairment, including aged credit eventsAlt-doc income evidence acceptedDesigned as a 2 to 4 year path back to prime
Police Bank
Customer-owned
Goldrate Home Loan Variable
Free redrawOptional offsetNo annual fee
RedZed
Non-bank
RedZed Self-Employed Variable
BAS or accountant evidenceFor self-employed borrowers
Resimac Group
Non-bank
Resimac Prime Variable
Optional offsetFree redrawNo annual fee
Resimac Group
Non-bank
Resimac Alt-Doc Variable
BAS or accountant-letter income evidenceFor self-employed
St.George Bank
Major-bank brand · part of Westpac
Advantage Package Variable
100% offsetUnlimited extra repaymentsRedraw
Suncorp Bank
Major-bank brand · part of ANZ
Home Package Plus Variable
100% offsetUnlimited extra repaymentsRedraw
Teachers Mutual Bank
Customer-owned
Your Way Plus Variable
Optional offsetFree redraw
Teachers Mutual Bank
Customer-owned
Education Heroes 90% LMI Waiver
LMI waived up to 90% LVREligible occupations: teachers, education staff
Tic:Toc
Digital-first
Live-In Variable
Optional offsetFree redrawNo annual fee
UBank
Major-bank brand · part of NAB
Home Loan Variable
100% offsetUnlimited extra repaymentsRedraw
Unloan
Major-bank brand · part of Commonwealth Bank
Live-In Home Loan
Unlimited redrawNo feesLoyalty discount 0.01%/year
Westpac Banking Corporation
Major bank
Premier Advantage Variable
100% offsetUnlimited extra repaymentsRedraw
Fixed 2yr (16)
Australia and New Zealand Banking Group
Major bank
Fixed 2 Years (Breakfree)
Fixed term certainty
Bank of Melbourne
Major-bank brand · part of Westpac
Fixed 2 Years (Advantage)
Fixed term certainty
Bank of Queensland
Tier-2 bank
Fixed Rate 2 Years
Fixed term certainty
Bankwest
Major-bank brand · part of Commonwealth Bank
Fixed 2 Years
Fixed term certainty
Bendigo and Adelaide Bank
Tier-2 bank
Fixed 2 Years
Fixed term certainty
Commonwealth Bank of Australia
Major bank
Fixed Rate 2 Years
Fixed certaintyLimited extra repayments during fixed term
Firstmac
Non-bank
Firstmac Fixed 2 Years
Sharp fixed pricing
IMB Bank
Customer-owned
Fixed 2 Years
Sharp fixed pricing
ING Australia
Tier-2 bank
Orange Advantage Fixed 2 Years
Fixed term certainty
Macquarie Bank
Tier-2 bank
Fixed 2 Years
Sharp fixed rateLimited extras during fixed period
National Australia Bank
Major bank
Fixed 2 Years (Choice)
Fixed term certainty
Newcastle Permanent (Newcastle Greater Mutual Group)
Customer-owned
Fixed 2 Years
Sharp fixed pricingCustomer-owned
St.George Bank
Major-bank brand · part of Westpac
Fixed 2 Years (Advantage)
Fixed term certainty
Suncorp Bank
Major-bank brand · part of ANZ
Fixed 2 Years (Home Package Plus)
Fixed term certainty
UBank
Major-bank brand · part of NAB
Fixed 2 Years
Sharp fixed pricingNo package fee
Westpac Banking Corporation
Major bank
Fixed Rate 2 Years (Premier)
Fixed certaintySwitch to variable at end of term
Fixed 3yr (4)
Australia and New Zealand Banking Group
Major bank
Fixed 3 Years (Breakfree)
Mid-term fixed certainty
Commonwealth Bank of Australia
Major bank
Fixed Rate 3 Years
Longer-term fixed certainty
National Australia Bank
Major bank
Fixed 3 Years (Choice)
Mid-term fixed certainty
Westpac Banking Corporation
Major bank
Fixed Rate 3 Years (Premier)
Mid-term fixed certainty
Investor variable (2)
Australia and New Zealand Banking Group
Major bank
Breakfree Investor Variable
100% offsetInterest-only available
Macquarie Bank
Tier-2 bank
Offset Variable Investor
100% offsetInterest-only available
Refinance (1)
Bankwest
Major-bank brand · part of Commonwealth Bank
Refinance Variable
Cashback offer for refinancers100% offset
Other product types
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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Editorial directory data is publisher reference. The recommended product for your situation depends on income, deposit, credit profile and serviceability, and that comparison is what a broker does.
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