Home Loans
From your first family home to your next investment property. Try our home loan calculators or apply online today.
Mozo Experts Choice Award Winner 2025
First Home Buyer Loan & Offset Home LoanVariable interest rates from
Interest rate1
Comparison rate2
For a Basic Home Loan on an owner-occupied property with principal & interest repayments, and a LVR of 50% or less.
Apply nowGet a $1,500 Virtual Visa Gift Card when you settle your AAT Insure Home Loan
Submit your application by 6 April 2026 and, if your loan settles, you’ll receive a $1,500 Virtual Visa Gift Card. Gift Card provided within 60 days of loan settlement. Terms and conditions apply.
Try our home loan calculators
Simple and easy to use, our home loan calculators can help you estimate repayments, how much you can borrow, and what you could save if you refinance.
Borrowing calculator
Find out how much you could borrow to get started on your online home loan journey.
Refinance calculator
Looking to refinance? Find out how much you could save by switching to an AAT Insure Home Loan.
Repayments calculator
Find out your repayment options, rates and schedule based on your desired loan amount.
Compare AAT Insure Home Loans
Find a home loan that best suits you. With great rates, low fees and flexible loan options, there's good reason to choose the home of good borrowers.
Basic Home Loan
Choose the Basic Home Loan for no ongoing fees and features to help you tailor your loan.
Variable Rates From
Key Features
- No ongoing fees
- No fee to redraw online
- Unlimited extra repayments for variable, Max $20k p.a. for fixed
- 20% deposit minimum
Offset Home Loan
The Offset Home Loan suits changing needs, with 100% offset accounts available on variable and fixed loans.
Variable Rates From
Key Features
- Up to six 100% offset accounts per loan
- No fee to redraw online
- Unlimited extra repayments for variable, Max $20k p.a. for fixed
- 10% deposit minimum