Better Choice Home Loans home loan rates
BETTER CHOICE HOME LOANS PTY. LIMITED · ACL 378333 · Non-bank lender
Rates as at 2026-10-20. 88 rates across 5 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Purchase or Refinances • Equity Release | 6.05% | 6.08% | Variable | Owner occupier | P&I | LVR <=70% |
| Purchase or Refinances • Equity Release | 6.10% | 6.13% | Variable | Owner occupier | P&I | LVR <=80% |
| Construction | 6.15% | 6.18% | Variable | Owner occupier | P&I | LVR <=70% |
| Construction | 6.20% | 6.23% | Variable | Owner occupier | P&I | LVR <=80% |
| Purchase or Refinances • Equity Release | 6.25% | 6.34% | Variable | Owner occupier | Interest only | LVR <=70% |
| Purchase or Refinances • Equity Release | 6.30% | 6.39% | Variable | Owner occupier | Interest only | LVR <=80% |
| Construction | 6.35% | 6.44% | Variable | Owner occupier | Interest only | LVR <=70% |
| Construction | 6.40% | 6.49% | Variable | Owner occupier | Interest only | LVR <=80% |
| Purchase or Refinances • Equity Release | 6.40% | 6.49% | Variable | Investment | P&I | LVR <=70% |
| Purchase or Refinances • Equity Release | 6.45% | 6.54% | Variable | Investment | P&I | LVR <=80% |
| Construction | 6.50% | 6.59% | Variable | Investment | P&I | LVR <=70% |
| Construction | 6.55% | 6.64% | Variable | Investment | P&I | LVR <=80% |
| Prime Alt Doc | 6.74% | 6.81% | Variable | Owner occupier | P&I | LVR <=50% |
| Prime Alt Doc | 6.94% | 7.01% | Variable | Owner occupier | P&I | LVR <=55% |
| Prime Alt Doc | 6.94% | 7.01% | Variable | Owner occupier | P&I | LVR <=60% |
| Prime Alt Doc | 6.94% | 7.01% | Variable | Owner occupier | P&I | LVR <=65% |
| Prime Alt Doc | 6.99% | 7.06% | Variable | Owner occupier | Interest only | LVR <=50% |
| Prime Alt Doc | 6.99% | 7.06% | Variable | Investment | P&I | LVR <=50% |
| Prime Alt Doc | 6.99% | 7.06% | Variable | Owner occupier | P&I | LVR <=70% |
| Prime Alt Doc | 7.04% | 7.11% | Variable | Owner occupier | P&I | LVR <=75% |
| Prime Alt Doc | 7.09% | 7.16% | Variable | Owner occupier | Interest only | LVR <=55% |
| Prime Alt Doc | 7.09% | 7.16% | Variable | Investment | P&I | LVR <=55% |
| Prime Alt Doc | 7.09% | 7.16% | Variable | Owner occupier | Interest only | LVR <=60% |
| Prime Alt Doc | 7.09% | 7.16% | Variable | Investment | P&I | LVR <=60% |
| Prime Alt Doc | 7.09% | 7.16% | Variable | Owner occupier | Interest only | LVR <=65% |
| Prime Alt Doc | 7.09% | 7.16% | Variable | Investment | P&I | LVR <=65% |
| Prime Alt Doc | 7.14% | 7.21% | Variable | Investment | Interest only | LVR <=50% |
| Prime Alt Doc | 7.14% | 7.21% | Variable | Owner occupier | Interest only | LVR <=70% |
| Prime Alt Doc | 7.14% | 7.21% | Variable | Investment | P&I | LVR <=70% |
| Prime Alt Doc | 7.14% | 7.21% | Variable | Owner occupier | P&I | LVR <=80% |
| Prime Alt Doc | 7.19% | 7.26% | Variable | Owner occupier | Interest only | LVR <=75% |
| Prime Alt Doc | 7.19% | 7.26% | Variable | Investment | P&I | LVR <=75% |
| Prime Alt Doc | 7.24% | 7.32% | Variable | Investment | Interest only | LVR <=55% |
| Prime Alt Doc | 7.24% | 7.32% | Variable | Investment | Interest only | LVR <=60% |
| Prime Alt Doc | 7.24% | 7.32% | Variable | Investment | Interest only | LVR <=65% |
| Prime Alt Doc | 7.29% | 7.37% | Variable | Investment | Interest only | LVR <=70% |
| Prime Alt Doc | 7.29% | 7.37% | Variable | Owner occupier | Interest only | LVR <=80% |
| Prime Alt Doc | 7.29% | 7.37% | Variable | Investment | P&I | LVR <=80% |
| Prime Alt Doc | 7.34% | 7.42% | Variable | Investment | Interest only | LVR <=75% |
| Prime Alt Doc | 7.44% | 7.52% | Variable | Investment | Interest only | LVR <=80% |
| Specialist Full Doc Specialist Alt Doc | 7.44% | 7.52% | Variable | Owner occupier | P&I | LVR <=65% |
| Specialist Full Doc Specialist Alt Doc | 7.49% | 7.57% | Variable | Owner occupier | P&I | LVR <=70% |
| Specialist Full Doc Specialist Alt Doc | 7.54% | 7.62% | Variable | Owner occupier | P&I | LVR <=75% |
| Specialist Full Doc Specialist Alt Doc | 7.60% | 7.68% | Variable | Owner occupier | P&I | LVR <=80% |
| Specialist Full Doc Specialist Alt Doc | 7.64% | 7.72% | Variable | Owner occupier | Interest only | LVR <=65% |
| Specialist Full Doc Specialist Alt Doc | 7.64% | 7.72% | Variable | Investment | P&I | LVR <=65% |
| Specialist Full Doc Specialist Alt Doc | 7.69% | 7.77% | Variable | Owner occupier | Interest only | LVR <=70% |
| Specialist Full Doc Specialist Alt Doc | 7.69% | 7.77% | Variable | Investment | P&I | LVR <=70% |
| Specialist Full Doc Specialist Alt Doc | 7.74% | 7.82% | Variable | Owner occupier | Interest only | LVR <=75% |
| Specialist Full Doc Specialist Alt Doc | 7.74% | 7.82% | Variable | Investment | P&I | LVR <=75% |
| Specialist Full Doc Specialist Alt Doc | 7.80% | 7.88% | Variable | Owner occupier | Interest only | LVR <=80% |
| Specialist Full Doc Specialist Alt Doc | 7.80% | 7.88% | Variable | Investment | P&I | LVR <=80% |
| Prime Alt Doc | 7.84% | 7.92% | Variable | Owner occupier | P&I | LVR <=85% |
| Specialist Full Doc Specialist Alt Doc | 7.84% | 7.92% | Variable | Investment | Interest only | LVR <=65% |
| Specialist Full Doc Specialist Alt Doc | 7.89% | 7.97% | Variable | Investment | Interest only | LVR <=70% |
| Specialist Full Doc Specialist Alt Doc | 7.94% | 8.02% | Variable | Investment | Interest only | LVR <=75% |
| Construction | 7.97% | 8.00% | Variable | Owner occupier | P&I | LVR <=90% |
| Prime Alt Doc | 7.99% | 8.07% | Variable | Owner occupier | Interest only | LVR <=85% |
| Prime Alt Doc | 7.99% | 8.07% | Variable | Investment | P&I | LVR <=85% |
| Specialist Full Doc Specialist Alt Doc | 8.00% | 8.08% | Variable | Investment | Interest only | LVR <=80% |
| Construction | 8.02% | 8.12% | Variable | Owner occupier | Interest only | LVR <=90% |
| Prime Alt Doc | 8.14% | 8.22% | Variable | Investment | Interest only | LVR <=85% |
| Construction | 8.32% | 8.42% | Variable | Investment | P&I | LVR <=90% |
| Construction | 8.39% | 8.42% | Variable | Owner occupier | P&I | LVR <=95% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.39% | 8.47% | Variable | Owner occupier | P&I | LVR <=65% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.49% | 8.57% | Variable | Owner occupier | P&I | LVR <=70% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.59% | 8.67% | Variable | Owner occupier | Interest only | LVR <=65% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.59% | 8.67% | Variable | Investment | P&I | LVR <=65% |
| Specialist Full Doc Specialist Alt Doc | 8.69% | 8.77% | Variable | Owner occupier | P&I | LVR <=85% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.69% | 8.77% | Variable | Owner occupier | Interest only | LVR <=70% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.69% | 8.77% | Variable | Investment | P&I | LVR <=70% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.79% | 8.87% | Variable | Investment | Interest only | LVR <=65% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.84% | 8.92% | Variable | Owner occupier | P&I | LVR <=75% |
| Specialist Full Doc Specialist Alt Doc | 8.89% | 8.97% | Variable | Owner occupier | Interest only | LVR <=85% |
| Specialist Full Doc Specialist Alt Doc | 8.89% | 8.97% | Variable | Investment | Interest only | LVR <=85% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 8.89% | 8.97% | Variable | Investment | Interest only | LVR <=70% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.04% | 9.12% | Variable | Owner occupier | Interest only | LVR <=75% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.04% | 9.12% | Variable | Investment | P&I | LVR <=75% |
| Specialist Full Doc Specialist Alt Doc | 9.09% | 9.17% | Variable | Investment | P&I | LVR <=85% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.24% | 9.32% | Variable | Investment | Interest only | LVR <=75% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.34% | 9.42% | Variable | Owner occupier | P&I | LVR <=80% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.54% | 9.62% | Variable | Owner occupier | Interest only | LVR <=80% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.54% | 9.62% | Variable | Investment | P&I | LVR <=80% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.74% | 9.83% | Variable | Investment | Interest only | LVR <=80% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 9.85% | 9.94% | Variable | Owner occupier | P&I | LVR <=85% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 10.05% | 10.14% | Variable | Owner occupier | Interest only | LVR <=85% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 10.25% | 10.34% | Variable | Investment | P&I | LVR <=85% |
| Specialist Plus Full Doc Specialist Plus Alt Doc | 10.79% | 10.88% | Variable | Investment | Interest only | LVR <=85% |