TODAY'S INTEREST RATES

Last Updated 14th November 2024 . Interest rates are subject to change. Reserve Bank of Australia kept the cash rate at 4.35% on 5th November 2024.

Mortgage broker home loans that include all the major banks with the ability to negotiate interest rates. For more information request a Home Loan Quote

Loan Type	Interest Rate	Loan to Value (Up to)	Quotes
Variable Interest Rates
Variable to $1 million	5.99% CPR 5.99%	95%	Enquire
Variable Over $1 million	5.99% CPR 6.01%	95%	Enquire
Variable 100% Offset	5.98% CPR 6.25%	95%	Enquire
Line of Credit	6.81% CPR 6.99%	80%	Enquire
Vacant Land	5.39% CPR 6.26%	95%	Enquire
Fixed Interest Rates
1 Year Fixed	5.84% CPR 6.03%	95%	Enquire
2 Year Fixed	5.54% CPR 5.95%	95%	Enquire
3 Year Fixed	5.24% CPR 6.24%	95%	Enquire
4 Year Fixed	5.49% CPR 6.24%	95%	Enquire
5 Year Fixed	5.49% CPR 6.17%	95%	Enquire
7 Year Fixed	6.59% CPR 6.68%	95%	Enquire
10 Year Fixed	6.94% CPR 6.97%	95%	Enquire

$3,000 CASH BACK for home and investment loans for purchases and refinance over $250,000. For more information request a Investment Loan Quote

Loan Type	Interest Rate	Loan to Value (Up to)	Quotes
Variable Interest Rates
Variable to $1 million	6.24% CPR 6.26%	95%	Enquire
Variable Over $1 million	6.18% CPR 6.37%	95%	Enquire
Variable 100% Offset	6.18% CPR 6.37%	95%	Enquire
Line of Credit	6.81% CPR 6.99%	95%	Enquire
Fixed Interest Rates
1 Year Fixed	5.89% CPR 6.34%	95%	Enquire
2 Year Fixed	5.64% CPR 6.25%	95%	Enquire
3 Year Fixed	5.64% CPR 6.19%	95%	Enquire
4 Year Fixed	5.69% CPR 6.47%	95%	Enquire
5 Year Fixed	5.64% CPR 6.31%	95%	Enquire
7 Year Fixed	6.89% CPR 6.98%	95%	Enquire
10 Year Fixed	7.24% CPR 7.27%	95%	Enquire

Loan Type	Interest Rate	Loan to Value	Quotes
Variable Interest Rates
Variable to $1 million	7.19% CPR 7.63%	80%	Enquire
Variable Over $1 million	7.19% CPR 7.63%	80%	Enquire
Variable 100% Offset	7.19% CPR 7.63%	80%	Enquire
Line of Credit	8.29% CPR 8.39%	80%	Enquire
Fixed Interest Rates
1 Year Fixed	7.29% CPR 7.38%	80%	Enquire
2 Year Fixed	7.29% CPR 7.38%	80%	Enquire
3 Year Fixed	7.29% CPR 7.37%	80%	Enquire
4 Year Fixed	8.09% CPR 8.52%	80%	Enquire
5 Year Fixed	8.04% CPR 8.57%	80%	Enquire
7 Year Fixed	8.09% CPR 8.33%	80%	Enquire
10 Year Fixed	9.09% CPR 8.84%	80%	Enquire

Loan Type	Interest Rate	Loan to Value	Quotes
Variable Interest Rates
Variable to $1 million	6.94% CPR 7.23%	80%	Enquire
Variable Over $1 million	6.94% CPR 7.23%	80%	Enquire
Variable 100% Offset	6.99% CPR 7.50%	80%	Enquire
Fixed Interest Rates
1 Year Fixed	6.99% CPR 7.50%	80%	Enquire
2 Year Fixed	6.99% CPR 7.50%	80%	Enquire
3 Year Fixed	6.99% CPR 7.50%	80%	Enquire
4 Year Fixed	7.69% CPR 7.99%	80%	Enquire
5 Year Fixed	7.54% CPR 8.17%	80%	Enquire
7 Year Fixed	7.79% CPR 8.12%	80%	Enquire
10 Year Fixed	7.79% CPR 8.21%	80%	Enquire

Loan Type	Interest Rate	Loan to Value	Security Type	Quotes
Traditional Lenders
Variable Interest Rates	6.14% to 9.74%	80%	Commercial	Enquire
Variable Interest Rates	6.14% to 7.59%	90%	Residential	Enquire
Fixed Rates From	6.12% to 8.89%	80%	Commercial	Enquire
Lease Doc From	6.49% to 7.89%	80%	Commercial	Enquire
1 Year Fixed from	6.33% to 9.51%	80%	Commercial	Enquire
2 Year Fixed from	6.21% to 9.63%	80%	Commercial	Enquire
3 Year Fixed from	6.12% to 9.88%	80%	Commercial	Enquire
5 Year Fixed from	6.26% to 9.71%	80%	Commercial	Enquire
Self Employed Low Doc from	7.09%	80%	Commercial	Enquire
Development Rate from	4.89% + line fee	75%	Commercial	Enquire
SMSF Self Managed Super Fund from	7.49%	80%	Commercial	Enquire
Medical Professionals from	6.12%	100%	Commercial	Enquire
Private Lenders
Variable Interest Rates from	7.40% to 10.38%	80%	Commercial	Enquire
Fixed Rates from	8.35% to 11.15%	80%	Commercial	Enquire
SMSF Property Finance from	7.49%	75%	Commercial	Enquire
Development Finance from	7.45%	75%	Commercial	Enquire

Please Note: that the above interest rates are only examples. Interest rates are subject to change Pricing and maximum LVR will vary based on the location, facility size, type of asset and quality of the overall transaction. Lowest pricing based on facilities $5M+. Please complete an online form so we can assess your commercial lending needs.

WARNING: The comparison rates (CPR) for all home loans are bsed on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

Non broker loans only apply to standard residential property purchases for owner occupied and investment property loans. We do not find loans ooutside our broker panel for low doc and poor credit residential loans, commercial property loans, business loans and equipment finance

Smart Search Finance is not making any suggestion or recommendation about a particular credit product from this website. You may be viewing a product that is unsuitable for your lending needs. It is highly advised that you speak to one of our qualified licenced advisors or the relevant financial institution to ensure that interest rates, product information and your financial needs are suitable to apply for that product.

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