The lowest home loan rates for first home buyers.
- First6.20%comparison rateFirst Home Buyer Loan - Owner Occupied - SOUnity BankVariable · P&I · Owner-occupier · 6.15% advertised · Offset accountGo to site
Ranked by comparison rate, lowest first, among variable home loans the lender flags as available to first home buyers. Leaves out loans the lender does not flag for first home buyers, fixed loans, investor and interest-only loans, and other LVR bands. Compares 1 lenders, not the whole market.
Comparison rates are based on a secured loan of $150,000 over 25 years. 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.
Owner-occupier, principal and interest loans, each at the rate for an 80% LVR. Comparison rate includes most fees on a $150,000 loan over 25 years, the standard ASIC basis. Where a lender publishes no comparison rate, the advertised rate is used. A rate that needs the lender’s package is shown with the package and its yearly fee.
Comparison rates are based on a secured loan of $150,000 over 25 years. 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.
Rank them on your answers
Ranked here at 80% LVR, owner-occupier, principal and interest. The questions price each loan at your deposit, loan size and repayments.
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Every home loan in one list with every figure. Sort and filter it yourself.
As of 1 November 2026, the lowest comparison rate on a first home buyer home loan tracked by BankMate is 6.20% from Unity Bank (First Home Buyer Loan - Owner Occupied - SO). How we rank