Super Savings

Don't overpay on your home loan, compare Super Rate Home Loans against some of the major lenders and see how much you can save. Simply select the loan size that's relevant to you and check out your annual savings in the last column.

Enquire Online

Customer testimonials

"After my initial application with a competitor hit a roadblock, I was highly impressed with how quick Super Rate were to get my application approved. In addition, Super Rate have a very competitive rate, friendly staff and super quick processing."
Ben Dyas, NSW

Lender Variable Rate Comparison Rate Estimated Monthly Repayment Super Rate Fee Saver 6.25%
Super Rate Fee Saver 6.25% 6.25% $2,035.00 -
ANZ 7.36% 7.46% $2,189.73 $1,856.76
CBA 7.41% 7.55% $2,199.44 $1,973.28
NAB 7.31% 7.44% $2,180.03 $1,740.36
St. George 7.42% 7.58% $2,201.39 $1,996.68
Westpac 7.46% 7.59% $2,209.17 $2,090.04

Comparison tables are based on loan term of 25 years, and Principal and Interest repayments.

Super Rate - Low rate with FULL features

Don't overpay on your home loan, compare Super Rate Home Loans against some of the major lenders and see how much you can save. Simply select the loan size that's relevant to you and check out your annual savings in the last column.

Acceptable Loan Purposes Purchase or refinance of improved residential owner occupied or investment property. No stand-alone vacant land or construction allowed.
Eligible Borrowers Individuals, companies or trusts
Term of Loan 10 - 30 years
Security Location As per credit policy - locations and postcodes
Acceptable Security Improved residential property only
Mortgage Portable yes
Multiple Securities yes
Minimum Loan Amount Single loan split: Maximum $50,000 Multiple Loan Splits: Minimum $30,000 per split
Max Loan Amount $2,000,000
Loan Splits Maximum of 4 loan splits
Maximum LVR 90% of purchase, 85% for Refinances
Application Fee $0
Settlement Fee $0
Monthly Administration Fee $0
Redraw Fee $0
Deferred Establishment Fee $0
Variation Fee $250
Discharge Legal Fee $250
Discharge Legal Fee $395 or full cost of valuations (whichever is the higher) is payable where valuation is obtained and the loan does not proceed as a result of a shortfall in valuation or other credit issues.

Our Process

Step 1: Pre approval / make an enquiry

Complete our quick and easy application form and get pre approved in around 2 minutes or simply make an enquiry and we will call you and pre qualify you. Providing you qualify we will book an appointment for you to speak with one of our friendly super rate consultants.

Step 2: Phone Interview / Online application

Your Super Rate consultant will conduct a phone interview with you to discuss your current situation, what you are looking for and potentially how we can save you with a tailored home loan solution to suit your needs. They will then complete an online application with you and discuss exactly what documents will be required in order for us to review your application for approval.

Step 3: Formal Approval

Once we have ALL of the documentation required, we will review your application & issue an indicative approval. This all happens within 24 hours. We will then be able to proceed with completing a valuation on your proposed security property & move through to a formal / unconditional approval generally within 72 hours. Once your formal approval has been issued we will arrange for your loan documents to be mailed to your home address for signing.

Step 4: Settlement

Once we have received your signed loan agreements back we will be able to settle within 5 working days or in line with your estimated settlement date. You will then be the proud owner of one of the most competitive homeloans on the market!

Step 5: Post settlement

Once your Super Rate homeloan has settled we will post you out a letter confirming all of your new homeloan details.

Make an Online Enquiry

Here at Super Rate we ask a few more questions so can we get a complete understanding of your current situation. Completing the below enquiry form as accurately and honestly as possible will ensure we can get you qualified for a Super Rate home loan quickly and easily!

Customer testimonials

"After my initial application with a competitor hit a roadblock, I was highly impressed with how quick Super Rate were to get my application approved. In addition, Super Rate have a very competitive rate, friendly staff and super quick processing."
Ben Dyas, NSW

Your Details

Please enter your contact details so we can get in touch with you about the results of your pre-approval.

First name: Last name:
Email Address: Postcode:
Contact number: Alternate number:

Loan Details

You can split your loan across several products (eg. you can fix a portion of your loan).

Loan amt Use of funds Repayment Purpose

Property Details

List all properties which will be used as a security for the loan.

  Property Status Value Type State
Property 1

Applicant Details

Pre-tax salary Other income
Person 1 per per
Do you plan to use the First Home Owner Grant with this loan?
Are any borrowers self employed?
Total dependents between all borrowers:
Do you have any credit cards or other loans?

How to qualify for Super Rate?

There are many different aspects to qualifying for a home loan and many lenders have different criteria. To be eligible for a Super Rate home loan you generally require:

  • To be employed for minimum 3 months in fulltime employment
  • Demonstrate minimum 5% genuine savings
  • Competently pass our affordability test
  • Satisfactory credit history for all borrowers
  • Be able to provide all supporting documentation quickly so that we can secure your approval!

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