Home Loans Built
for How You Live
Competitive rates, flexible features, and a dedicated specialist to guide you — whether you're buying your first home or refinancing.
Current Home Loan Rates
Rates effective 22 February 2026. Comparison rates based on $150,000 loan over 25 years.
Log in to see a personalised rate comparison based on your existing loans and see how much you could save.
Variable Rate
Comparison rate 6.12% p.a.
Most flexible — make extra repayments anytime
Calculate repaymentsFixed 1 Year
Comparison rate 6.01% p.a.
Lock in certainty short-term
Calculate repaymentsFixed 2 Year
Comparison rate 6.08% p.a.
Popular with first home buyers
Calculate repaymentsWarning: Comparison rate is true only for the example given and may not include all fees and charges.
How much could you borrow?
Use our borrowing power calculator to get an estimate in under 2 minutes.
Calculate borrowing powerBuilt-in Flexibility
Features included across all Apex Bank home loans.
Offset Account
Link an offset account and pay interest only on the difference — potentially saving tens of thousands over the life of your loan.
Redraw Facility
Make extra repayments and access them when you need. No redraw fees on variable rate loans.
Extra Repayments
Pay off your loan faster with unlimited extra repayments on variable loans. Fixed rates allow up to $10K extra per year.
Split Loan Option
Split between fixed and variable to get certainty on part of your loan while keeping flexibility on the rest.
Ready to take the next step?
Our home loan specialists are available Mon–Fri 8am–8pm and Sat 9am–5pm AEST.