Compare home loan rates by Australian city
Loan availability can vary by postcode because lenders can restrict where they lend. Ratesniffers city pages use a shared Australian rate table and local repayment examples. Your written quote depends on the lender, the property and the loan you apply for.
Pick a city for a local example or open the national home loan rate comparison.
- SydneyNew South Wales
- MelbourneVictoria
- BrisbaneQueensland
- PerthWestern Australia
- AdelaideSouth Australia
- CanberraAustralian Capital Territory
- HobartTasmania
- DarwinNorthern Territory
- NewcastleNew South Wales
- Gold CoastQueensland
- WollongongNew South Wales
- GeelongVictoria
- Sunshine CoastQueensland
- Central CoastNew South Wales
- TownsvilleQueensland
What to compare when buying in two locations
Two homes can have the same purchase price and still require different cash at settlement. Compare the written loan quotes on the same terms, then check the costs and eligibility for each address.
- Loan eligibility and repayments
- Give the lender the address and property type so it can confirm eligibility. For example, Keystart lends only in Western Australia. Compare the rate, fees and repayments in the written quotes.
- Transfer duty and local concessions
- Check each address with the state and territory duty calculators listed by Moneysmart. Use the actual purchase price and first home buyer status for each comparison.
- Australian Government 5% Deposit Scheme
- Look up both locations using the official postcode price cap tool. Ask a participating lender to confirm that both the purchase price and its valuation fit the cap and that you meet the scheme rules.
Home loan rates by city, common questions
Does postcode affect which home loans I can get?
Loan availability can vary by postcode because lenders can restrict where they lend. Ratesniffers city pages use a shared Australian rate table and local repayment examples. Your written quote depends on the lender, the property and the loan you apply for.
How can I compare home loan quotes across two cities?
Ask each lender for a written quote for the actual property. To isolate the loan pricing, compare the same loan amount, loan-to-value ratio, loan term and repayment type. Then compare the cash required to buy each property, including stamp duty, separately.
What costs change depending on which city I buy in?
Stamp duty and first home buyer concessions depend on the state or territory and your circumstances. The Australian Government 5% Deposit Scheme also has location-specific price caps. Under the scheme, both the purchase price and the lender's valuation must be at or below the applicable cap.