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*CheapBills does not compare home loans from all brands in the market. We partner with preferred providers and compare a selection of their products.

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‌Compare Home Loans

CheapBills can compare home loans to find you the best interest rates with a deal that fits your needs. It’s tempting to avoid reviewing your home loan because the stress of comparing all the lenders on the market can seem too much. But finding the best deal on your home loan can make you a BIG saving. CheapBills make it fast and simple to compare home loans and we’ll do all the hard work to switch to the perfect one for you.

Whether you are buying a new home or investment property, wanting to refinance your home to pay for renovations or simply looking for a better deal, it’s important to have all the information on hand to make an informed decision. After all, your mortgage is one of the biggest financial commitments you’ll ever make.
You don’t need to be buying a new home to compare mortgage providers. By regularly reviewing your home loan, you could save yourself thousands of dollars in interest and shorten the life of your loan. CheapBills can compare loans from Australia’s top lenders to make sure you are getting the best deal for your circumstances.

To make sure you make the right decision, a CheapBills expert will talk to you about your financial situation, including your income, assets, debts, savings goals and other financial commitments. Using this information, along with the value of your home and the amount of deposit you have saved, we can compare home loans from Australia’s top lenders to find you the perfect loan. 

Our team will also discuss with you the benefits and features of each lender on offer, such as redraw facilities, offset accounts, interest-only options, variable vs fixed rates and split loans so that you can decide on the lender that best meets your needs.

With so much to think about, don’t do it alone! We can help take the stress out of finding the perfect home loan. Call us today!
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What Our Happy Australian Customers Are Saying

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Why Compare Home Loans with CheapBills?

CheapBills wants to save you money on your home loan so that you can spend your money on the things you want to. Our passionate team is dedicated to cutting the cost of your mortgage repayments.

CheapBills For Finance

We Use the Latest Technology to Match Lenders and Borrowers.

Tailored Loans

We Examine Your Individual Lending Needs to Find the Perfect Loan for You and Your Situation.

Support For You

We Work with You Through the Process of Applying and Give You Support Along the Way.

We Compare a Range of Home Loan Products

CheapBills compares rates from the major lenders to assist you in getting online approval. Through our partnership with AFG, we compare thousands of products from over 200 brands, across more than 30 different categories, including home loans, personal loans, credit, refinance and much more. Call us today to talk about your options.

Top Australian Lenders

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Find Great Home Loans

Australia’s home loan market is extremely competitive, and while a lot of people only think of the ‘Big Four’ banks when it comes to home loans, there are many other options available, including smaller banks and credit unions.

Choosing the right one can save you thousands of dollars over the course of your loan. Finding a great home loan is about more than just choosing the lowest interest rate. Each lender offers features and benefits that can make a big difference to your loan and finances, such as interest-only periods, offset accounts and redraw facilities. Many lenders also offer discounted rates for first homeowners, investors or as a reward for using their other banking services.
Comparing all the home loans on offer isn’t for the faint-hearted! Our team of experts know exactly how to match your circumstances to the perfect home loan, so let us do all the hard work for you. We can take away the overwhelm by finding the products that best suit your needs, so you can choose the right one without having to trawl through hundreds of options.

When you make your decision, there are many factors you need to consider about your new lender and loan in addition to the financial aspects, including the application process, customer service, loan management (apps and online options), redraw facilities, offset accounts and rewards for using their other products, for example, discounted rates for bundling your loan with banking or insurance. We have spent hours understanding the offerings from each of our recommended lenders so that we can find you your perfect match.

We have helped thousands of happy customers compare and switch their bills, and made them some big savings, so you know you will be in safe hands with CheapBills. Our home loan experts can help you understand the latest information in the constantly changing world of home loans so that you can be sure you have the newest and best deal. Plus, our service is 100% free!

Home Loans Comparison

It only takes 5 minutes to compare home loan rates, but it could be lead to a big saving! Find out if you can save money on your home loan by clicking below.

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With over 1,000 products from more than 200 brands to compare we can provide a hassle-free quote to suit your circumstances.

FAQS About Home Loans

Here are some common questions for customers wanting to switch energy providers and save on bills.

FAQs About Home Loans

How much money you can borrow for a home loan depends on a few different factors. The first major factor is your employment status and income, basically the more you earn (and your partner if it’s a joint loan) the more you can borrow.

Another factor is the amount of money you have saved for a deposit already, most banks and lenders recommend 20% of the property’s value as a deposit. Other factors include your living costs, how much you can afford to pay back each week and how many other monthly and weekly repayments you have. One final factor to consider is if you are going to eventually rent the property out and how much rental income you would make. All of these factors can give you a reasonable idea of how much you can borrow and we can compare these loans for you from leading providers.

Most banks and lenders recommend 20% of the value of the house as your deposit, some will let you borrow more depending on your financial circumstances, if it is your first property you may be able to get the First Home Buyers Grant, which can be valued at up to $20,000. If you have a deposit that is less than 20% you are required to pay a Lenders Mortgage Insurance, the larger your deposit the more choice you have of the bank or lender.

We can compare banks and lenders to find an option that is right for you, however to find out more details about the deposit itself or any concessions or grants, it is best to talk to the provider.

We will put you in touch with financers and lenders who will help you choose the right loan and budget for your circumstances.

To get started you need to fill in the online form and one of our staff members will call you to discuss your budget and home loan options. We compare rates with leading banks and lenders to find the best option for you.

CheapBills has helped over 100,000 Australians cut down their bills and save money since 2013. We know it can be hard to trust a new retailer with your private information, but you have no need to worry with CheapBills, we have a 4.5 rating based on customer testimonials and our mother company, Integral Resource Group, has been helping Australian companies since 2011.

All your private information is only shared with your chosen bank or lender. For more information check out our privacy policy.

When you start to work out your budget for buying a home there are a few other expenses you need to think about. These include:

1. Stamp duty

2. Legal fees

3. Building inspections

4. Strata fees

5. Council fees

Since a typical home loan lasts around 30 years, it is wise to factor in changes to your personal circumstances.

Your credit record has all your information regarding your finances and any loans, credit cards or finances you’ve applied for. It details your information and gives you a ‘credit rating’, if your score is good you’re a low risk and indicates that you’ve always paid back loans or finance on time. If you have a bad rating it is harder to get a home loan as it is assumed you won’t make your repayments on time.

Anything on your credit record remains for at least five years, that’s why it’s important to pay back any loans you have so you have a good credit rating, especially if you want to buy a house. Having a good credit record can help you get low-interest rates on your home loan as well. If you are looking into buying a home you have to give permission to your credit provider to access it.

A mortgage term is typically 30 years of making regular monthly repayments, however you can always make additional repayments to shorten the repayment period. You can also choose to make repayments weekly to reduce the amount of interest you're charged - it’s best to check these details with your lender.

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Need Help Moving Home?

Did you know we can help you with more than just your home loans? We help Australians find better power and gas deals, compare broadband plans and even help them with moving home. In just one easy phone call, we can take the stress out of moving day! Call us today.

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