Compare AFG Home Loans Home Loans products
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Product rates and fees last updated
6.34% (6.35%)*
AFG Home Loans Rate Change
AFG Home Loans have announced that they are increasing their variable rates by 0.25% effective 9 October 2026
Simplify Your AFG Home Loans Home Loan Search
Navigating the world of home loans, especially when considering your housing needs, can feel overwhelming. At Get A Better Rate, we make finding the right AFG Home Loans home loan simpler than ever. Our platform allows you to easily compare a range of AFG Home Loans products side-by-side, while our experienced Sydney-based brokers provide the expert guidance you need to secure a loan that truly fits your objectives.
Understanding Your Situation
Choosing the right AFG Home Loans home loan depends heavily on your individual circumstances and financial goals. Are you a first-time buyer, looking to refinance, or considering an investment property? Our experienced brokers take the time to understand your unique situation to recommend AFG Home Loans options that truly align with your needs and objectives.
See How AFG Home Loans Compares to Other Lenders
While AFG Home Loans offers a range of home loan products, it's wise to explore all your
options. Get A Better Rate allows you to compare AFG Home Loans's loans side-by-side with
offers from over 40 other trusted lenders in Australia. See how their rates, fees, and
features stack up to ensure you're getting the best deal for your situation.
AFG Home Loans - Alpha Home Loan Products
★ LOWEST RATE
Basic Variable Home Loan
INTEREST RATE
6.34%
COMPARISON
6.35%
SETTLEMENT
$199
DISCHARGE
$350
$199
$350
60%
$5,000
-
Principal & Interest
Monthly
Boss Near Prime Alt Doc
INTEREST RATE
7.84%
COMPARISON
8.12%
SETTLEMENT
$960
MONTHLY
$15
DISCHARGE
$550
$960
$15
$550
70%
$50,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Boss Prime Alt Doc
INTEREST RATE
7.09%
COMPARISON
7.37%
SETTLEMENT
$960
MONTHLY
$15
DISCHARGE
$550
$960
$15
$550
70%
$50,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Bridging - End Debt
INTEREST RATE
8.99%
COMPARISON
9.18%
SETTLEMENT
$1440
DISCHARGE
$385
$1440
$385
60%
$300,000
-
Interest Only
Bridging - No End Debt
INTEREST RATE
8.99%
COMPARISON
9.18%
SETTLEMENT
$1440
DISCHARGE
$385
$1440
$385
60%
$300,000
-
Interest Only
Connect Bridging Loan
INTEREST RATE
8.64%
COMPARISON
8.77%
SETTLEMENT
$960
DISCHARGE
$950
$960
$950
70%
$50,000
-
Interest Only
Weekly, Fortnightly, Monthly
Easy Builder - Construction
INTEREST RATE
8.24%
COMPARISON
8.77%
SETTLEMENT
$960
DISCHARGE
$950
$960
$950
65%
$200,000
-
Interest Only
Weekly, Fortnightly, Monthly
Easy Builder - Construction Non Resident
INTEREST RATE
8.24%
COMPARISON
8.74%
SETTLEMENT
$960
ANNUALLY
$499
DISCHARGE
$950
$960
$499
$950
65%
$200,000
-
Interest Only
Weekly, Fortnightly, Monthly
Edge Plus Standard Variable
INTEREST RATE
15.00%
COMPARISON
15.25%
SETTLEMENT
$250
ANNUALLY
$330
DISCHARGE
$295
$250
$330
$295
95%
$0
0%
Principal & Interest
Weekly, Fortnightly, Monthly
Elevate Prime
INTEREST RATE
7.24%
COMPARISON
7.75%
SETTLEMENT
$630
ANNUALLY
$499
DISCHARGE
$950
$630
$499
$950
70%
$150,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Empower Near Prime
INTEREST RATE
7.48%
COMPARISON
7.71%
SETTLEMENT
$960
MONTHLY
$15
DISCHARGE
$550
$960
$15
$550
70%
$50,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Empower Prime
INTEREST RATE
6.74%
COMPARISON
6.97%
SETTLEMENT
$960
MONTHLY
$15
DISCHARGE
$550
$960
$15
$550
70%
$50,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Evergreen Non-Resident
INTEREST RATE
7.58%
COMPARISON
8.09%
SETTLEMENT
$630
ANNUALLY
$499
DISCHARGE
$950
$630
$499
$950
70%
$150,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Full Doc
INTEREST RATE
7.03%
COMPARISON
7.17%
SETTLEMENT
$1230
DISCHARGE
$495
$1230
$495
70%
$100,000
-
Principal & Interest
Fortnightly, Monthly
Mid Doc
INTEREST RATE
7.18%
COMPARISON
7.33%
SETTLEMENT
$2350
DISCHARGE
$495
$2350
$495
50%
$3,000,001
-
Principal & Interest
Fortnightly, Monthly
Offset Variable Home Loan
INTEREST RATE
6.39%
COMPARISON
6.59%
SETTLEMENT
$199
MONTHLY
$15
DISCHARGE
$350
$199
$15
$350
60%
$5,000
-
Principal & Interest
Monthly
Options Near Prime Clear Full Doc
INTEREST RATE
7.49%
COMPARISON
7.74%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Near Prime Clear Lite Doc
INTEREST RATE
7.94%
COMPARISON
8.19%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Near Prime Construction Full Doc
INTEREST RATE
8.89%
COMPARISON
9.18%
SETTLEMENT
$605
MONTHLY
$15
DISCHARGE
$500
$605
$15
$500
55%
$50,000
-
Interest Only
Fortnightly, Monthly
Options Near Prime Construction Lite Doc
INTEREST RATE
8.89%
COMPARISON
9.18%
SETTLEMENT
$605
MONTHLY
$15
DISCHARGE
$500
$605
$15
$500
55%
$50,000
-
Interest Only
Fortnightly, Monthly
Options Near Prime Full Doc
INTEREST RATE
7.94%
COMPARISON
8.19%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Near Prime Lite Doc
INTEREST RATE
8.14%
COMPARISON
8.39%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Prime Construction Alt Doc
INTEREST RATE
8.59%
COMPARISON
8.82%
SETTLEMENT
$605
MONTHLY
$10
DISCHARGE
$500
$605
$10
$500
55%
$100,000
-
Interest Only
Fortnightly, Monthly
Options Prime Construction Full Doc
INTEREST RATE
8.59%
COMPARISON
8.82%
SETTLEMENT
$605
MONTHLY
$10
DISCHARGE
$500
$605
$10
$500
55%
$100,000
-
Interest Only
Fortnightly, Monthly
Options Prime Full Doc
INTEREST RATE
6.99%
COMPARISON
7.16%
SETTLEMENT
$330
MONTHLY
$10
DISCHARGE
$500
$330
$10
$500
65%
$100,000
0%
Principal & Interest
Weekly, Fortnightly, Monthly
Options Prime Lite Doc
INTEREST RATE
7.19%
COMPARISON
7.36%
SETTLEMENT
$330
MONTHLY
$10
DISCHARGE
$500
$330
$10
$500
55%
$100,000
0%
Principal & Interest
Weekly, Fortnightly, Monthly
Options Specialist Full Doc
INTEREST RATE
8.89%
COMPARISON
9.14%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Specialist Full Doc Plus
INTEREST RATE
9.99%
COMPARISON
10.25%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Specialist Lite Doc
INTEREST RATE
9.19%
COMPARISON
9.44%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Options Specialist Lite Doc Plus
INTEREST RATE
10.39%
COMPARISON
10.65%
SETTLEMENT
$330
MONTHLY
$15
DISCHARGE
$500
$330
$15
$500
65%
$50,000
-
Principal & Interest
Fortnightly, Monthly
Platinum Non-Resident
INTEREST RATE
8.23%
COMPARISON
8.73%
SETTLEMENT
$630
ANNUALLY
$499
DISCHARGE
$950
$630
$499
$950
70%
$150,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Residential SMSF
INTEREST RATE
7.34%
COMPARISON
7.46%
SETTLEMENT
$880
DISCHARGE
$950
$880
$950
95%
$3,000,001
-
Principal & Interest
Fortnightly, Monthly
Retro Construction
INTEREST RATE
6.74%
COMPARISON
6.96%
SETTLEMENT
$591
DISCHARGE
$485
$591
$485
70%
$750,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Home Loan
INTEREST RATE
6.74%
COMPARISON
6.78%
SETTLEMENT
$591
DISCHARGE
$485
$591
$485
70%
$1,250,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Lite
INTEREST RATE
7.19%
COMPARISON
7.52%
SETTLEMENT
$722
ANNUALLY
$330
DISCHARGE
$485
$722
$330
$485
70%
$1,250,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Lite Specialist
INTEREST RATE
7.74%
COMPARISON
8.07%
SETTLEMENT
$842
ANNUALLY
$330
DISCHARGE
$485
$842
$330
$485
70%
$750,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Lite Specialist Plus
INTEREST RATE
9.24%
COMPARISON
9.56%
SETTLEMENT
$842
ANNUALLY
$330
DISCHARGE
$485
$842
$330
$485
70%
$750,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro SMSF
INTEREST RATE
7.33%
COMPARISON
7.66%
SETTLEMENT
$756
ANNUALLY
$330
DISCHARGE
$485
$756
$330
$485
95%
$1,250,001
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Specialist
INTEREST RATE
7.59%
COMPARISON
7.92%
SETTLEMENT
$842
ANNUALLY
$330
DISCHARGE
$485
$842
$330
$485
70%
$750,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Switch Home Loan
INTEREST RATE
6.74%
COMPARISON
6.78%
SETTLEMENT
$591
DISCHARGE
$485
$591
$485
95%
$1,250,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
Retro Versa
INTEREST RATE
7.21%
COMPARISON
7.55%
SETTLEMENT
$842
ANNUALLY
$330
DISCHARGE
$485
$842
$330
$485
60%
$750,000
-
Principal & Interest
Weekly, Fortnightly, Monthly
SMSF Near Prime
INTEREST RATE
8.24%
COMPARISON
9.88%
SETTLEMENT
$1060
MONTHLY
$25
DISCHARGE
$550
$1060
$25
$550
95%
$100,000
-
Interest Only
Fortnightly, Monthly
SMSF Prime
INTEREST RATE
7.34%
COMPARISON
7.72%
SETTLEMENT
$1060
MONTHLY
$25
DISCHARGE
$550
$1060
$25
$550
95%
$100,000
-
Interest Only
Fortnightly, Monthly
Vacant Land
INTEREST RATE
8.74%
COMPARISON
8.87%
SETTLEMENT
$960
DISCHARGE
$950
$960
$950
95%
$50,000
-
Interest Only
Weekly, Fortnightly, Monthly
Understanding Loan to Value Ratio (LVR)
AFG Home Loans's sharpest variable rate is 6.34% (6.35% comparison) on the Basic Variable Home Loan - with a maximum LVR of 60%. So you will need 40% deposit or equity.
Loan to Value Ratio (LVR) is a key factor when considering a AFG Home Loans home loan. It represents the amount of your loan compared to the value of the property you're purchasing or refinancing. A lower LVR (meaning you have a larger deposit or more equity) can often result in more favourable interest rates and may help you avoid Lenders Mortgage Insurance (LMI). Our brokers can explain how LVR applies to different AFG Home Loans loan products and help you understand its implications for your borrowing power.
Information for Home Owners
If you're looking for a AFG Home Loans home loan for your own home, features like offset accounts and redraw facilities can offer significant benefits. AFG Home Loans provides a range of loan options designed for home owners, allowing you to manage your finances effectively and potentially save on interest. Our brokers can help you explore these features and find a AFG Home Loans loan that suits your lifestyle.
AFG Home Loans has a range of different products from Basic Variable Home Loan which has no on-going fees or their Platinum Non-Resident a $499 fee charged annually.
An offset home loan feature is available on the AFG Home Loans Platinum Non-Resident.
Why Choose Get A Better Rate for Your AFG Home Loans Loan?
Finding the right AFG Home Loans home loan doesn't have to be a hassle. Here's how Get A Better Rate gives you the edge:
See Live AFG Home Loans Rates & Features
Our unique platform provides an easy way to compare various AFG Home Loans home loan products and their key features, helping you understand their different purposes.
Expert AFG Home Loans Insights
Our Sydney-based brokers have in-depth knowledge of AFG Home Loans's lending criteria and product nuances.
Compare Beyond AFG Home Loans
We don't just focus on one bank. We can compare AFG Home Loans's offerings against solutions from over 40 other trusted lenders, informed by your specific searches.
Receive Personalised Advice
We take the time to understand your unique financial situation and property goals to recommend the AFG Home Loans loan that truly suits your needs, considering factors like your potential borrowing capacity.
Simplify Your Application Support
Let us handle the complexities of the application process, helping you navigate the paperwork and liaise with AFG Home Loans, even explaining key documents like the product disclosure statement (PDS).
Contact Sydney mortgage broker
Need help comparing AFG Home Loans loans or navigating the application?
We have over 20 years of experience working with different Australian Home Loan providers, including AFG Home Loans. Speak with Get a Better Rate and have an experienced Mortgage Broker help navigate your next home loan. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Australia Home Loan providers, reach out for a chat today!
Get a Better Rate is led by a seasoned professional in the hands of mortgage broker Peter Hammond. Peter has over 20 years of experience working with leading Australian financial institutions, including Westpac, Aussie Home Loans, Macquarie Bank, AMP, and Woolworths Money. His expertise in all mortgage lending matters makes him a reputable source of lending knowledge throughout Sydney and beyond.
Peter has worked across various roles, including product management, relationship management, operations and, more recently, as a consultant. This has given him a deep knowledge of the Australian home loan landscape and the challenges consumers face.
It is this connection and dedication to his clients that makes Peter such a trusted figure in the mortgage industry.
Need Help Comparing AFG Home Loans Loans or Navigating the Application?
Our expert mortgage brokers in Sydney are here to answer your questions and guide you through the AFG Home Loans home loan process.
Ready to Take the Next Step with Your AFG Home Loans Loan?
To help you prepare for your AFG Home Loans home loan application, whether you're building your future or buying into the property market, here are a few key steps:
Before you start the process, it's important to understand your goals and strategy. Whether you are refinancing to a lower interest rate, purchasing a new home or looking to renovate.
Use our home loan repayment calculator and compare repayments against your budget.
STEP 1
Gather Your Essential Documents
- Have your income statements (payslips, tax returns)
- Prepare your Expense budget
- Know your monthly liabilities and credit card limits
- Australian ID documents
STEP 2
Discuss Your Options with Our AFG Home Loans Specialists
Trusted Sydney Mortgage Brokers Helping You with AFG Home Loans Loans
At Get A Better Rate, we're committed to providing transparent and reliable mortgage advice.
Experienced Professionals
Our team of accredited mortgage brokers like MFAA and AFCA has years of experience assisting Sydney homeowners.
Local Expertise
Based in the Sydney CBD, we understand the local property market and have strong relationships with lenders like AFG Home Loans.
Client Success
Don't just take our word for it. See what our satisfied clients say about finding their ideal AFG Home Loans loan with us below.
Testimonials
Exploring AFG Home Loans Fixed Home Loan Rates?
Understanding the LVR can be crucial when considering fixed rates, as it can influence your options.
Fixed-rate loans offer the security of consistent repayments for a set period. However, it's important to consider factors like potential break fees and limited flexibility. Our expert brokers can help you weigh the pros and cons of a AFG Home Loans fixed-rate loan based on your individual circumstances.
Additional resources and tools
No matter what aspect of home loans you want to address with us, we have plenty of additional resources and tools to help you. Whether you want to compare home loans with the AFG Home Loans, calculate your loan repayments, or figure out how much you will save when you refinance your existing loan, Get a Better Rate has you covered.
Refinance Calculator
Our refinance comparison calculator, will help you understand what you could be savings on your home loan
Loan Repayment
How much will be loan repayments be?
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