FEATURED HOME LOAN RATES
Interest rates move, lender pricing changes and not every borrower qualifies for every advertised offer. This page highlights selected rates and lending opportunities that may be worth considering, subject to eligibility and lender criteria.
FEATURED RATES
Replace the example figures below with the current lender rate and comparison rate before publishing.
Comparison rate: 6.21% p.a.
Principal & Interest
Variable Rate
Owner-occupied lending
80% LVR
Minimum loan size $600,000
Interest rate as of Aug 2026, subject to change and lender approval.
Comparison rate: 6.20% p.a.
Principal & Interest
Variable Rate
Investment lending
80% LVR
Minimum loan size $600,000
Interest rate as of Aug 2026, subject to change and lender approval.
BEFORE YOU CHASE THE LOWEST RATE
Two loans with similar advertised rates can produce very different outcomes once fees, features, policies and your individual circumstances are considered.
The comparison rate can help reflect certain fees and charges alongside the advertised rate.
Offset, redraw, extra repayments and repayment flexibility can matter just as much as the rate.
A competitive rate is irrelevant if the lender does not accept your income type, property or overall lending position.
Application, annual, package and discharge fees can affect the true cost of the loan.
Many sharper rates are only available below certain loan-to-value-ratio thresholds.
Owner-occupied, investment, principal-and-interest and interest-only loans can attract different pricing.
INTEREST RATE VS COMPARISON RATE
The advertised interest rate determines the interest charged on the loan balance.
A comparison rate is designed to incorporate the interest rate plus certain fees and charges into a single percentage to help borrowers compare loans.
It still does not capture every possible cost or feature, so the full product should always be considered.
Ask us to compare the full loan →WHEN LOOKING AT A RATE
WHAT CAN AFFECT YOUR RATE?
Lenders can price loans differently depending on the transaction and borrower profile.
Borrowers with more equity or a larger deposit may have access to sharper pricing with some lenders.
Loan size can sometimes influence discretionary pricing depending on the lender and transaction.
Income stability, repayment history, profession and overall financial position can affect available options.
RUN THE NUMBERS
Use our calculators to estimate repayments or compare your existing loan with a potential refinance.
WHY TULIP FINANCE
We don't look at interest rates in isolation. We consider the lender's policy, product features, fees, comparison rate and how the loan fits your overall situation.
That means a slightly higher headline rate can sometimes still produce the better lending outcome — and sometimes the sharpest rate really is the right option.
Learn more about Tulip Finance →RATE FAQs
Rates can change quickly and individual borrower pricing may differ from publicly advertised offers.
No. Fees, loan features, comparison rate, eligibility requirements and lender policy should also be considered.
Comparison rates generally incorporate the advertised interest rate plus certain fees and charges based on a prescribed loan scenario.
Some lenders may provide discretionary pricing depending on the loan size, LVR, borrower and transaction. Availability varies and is not guaranteed.
Lenders apply different pricing according to loan purpose, repayment type, risk and their own pricing strategy.
Lenders can change pricing at any time. Variable rates, fixed rates and discretionary discounts can all move independently.
No. All rates are subject to lender eligibility and credit assessment. Your actual available rate may differ.
WANT TO KNOW YOUR ACTUAL RATE?
Tell us whether you're buying, refinancing or investing and we can help compare suitable current lending options.
