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Today’s home loan rates
19th January 2026
Our mortgage brokers work with more than 70 lenders and can access over 850 + mortgage, personal, asset finance & business loan products.
Disclaimer:
Rates current as at 08:55am 06/01/2026 AEST and based on a $500,000 owner occupied loan with LVR less than 70%, Full Documentation, Variable or Fixed rate, Principal & Interest repayments, over a 30-year loan term, with no loan splits or offset account. Rates subject to change without notice. Subject to specific lender requirements including but not limited to:
1) Type of home loan product selected
2) Borrower credit assessment
3) Responsible lending assessment
4) Terms and conditions.
The comparison rate is based on a loan for $150,000 and a term of 25 years. WARNING : This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Owner Occupied
Variable rates Starting from
5.34%p.a.
1yr fix rates Starting from
5.34%p.a.
Investment
Variable rates Starting from
5.49%p.a.
Comparison rate
5.35%p.a.
Comparison rate
5.85%p.a.
Comparison rate
5.51%p.a.
1yr fix rates Starting from
5.44%p.a.
Comparison rate
6.48%p.a.
Cashback Offers💰
“Up to $10,000 Cashback When
Switch lenders and enjoy generous cashback incentives. Perfect for refinancers looking to save.
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First HomeOwner Grant 🏠
“Government Grant for First-Time Buyers”
Eligible first-home buyers can receive a one-off grant to help with purchase costs.
“Check Eligibility”
5% Deposit Scheme 🔑
“Buy Sooner with Just 5% Down”
Secure your home loan with a low deposit—no costly LMI. Limited spots available each year!
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Pre Approval Process Map
Identifying the right loan
Your choice of lending Institution
Approval Ready Buy
Our Buying Process
No matter whether you’re looking for a new home, refinancing or looking for an investment property, there are hundreds of home loans, all with different rates, fees and features. By comparing all the home loan products with one other, your PM Lending Solutions Mortgage Consultant can assist you to find the right home loan solution to meet your needs.
With over 500 plus mortgage loan & business products from many trusted brands, the PM Lending Solutions lender panel has been carefully assembled and is continually reviewed to ensure our product range remains highly competitive and meets the varied needs of our customers.
At PM Lending Solutions a mortgage consultant will guide you through the pre-approval process, save you time and provide you with expert advice and finally simplifies the application paperwork. Once your loan reaches the approval stage and decided on your dream property, you are ready to buy.
At PM Lending Solutions we provide a 6-step process to help you select the right loan solution from over 500 options.
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1. Sort out your deposit
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2. Assess your total borrowing capacity
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3. Find the right one
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4. Buy it
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5. Go Through to settlement
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6. Manage your loan
Our Business Partners
With access to a lender panel of more than 60 residential and commercial institutions including the four major banks, leading regional banks, building societies, and specialist non‑conforming lenders—we offer our clients genuine choice and tailored solutions. This breadth of options ensures we can match every client with the right product, the right structure, and the most competitive outcome in today’s dynamic mortgage market.
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