Home loan rates in Geelong, July 2026
The sharpest owner-occupier rates available to Geelong buyers, ranked by comparison rate across 85+ lenders. Rates are priced nationally, so a Geelong buyer sees the same numbers as anyone in Victoria; what changes is the value you borrow against and the VIC concessions that stack on top.
RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |932 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 2026
These are the standout rates for Geelong buyers right now, ranked sharpest-first by comparison rate (currently from 5.89%), refreshed daily with no paid placement.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Horizon BankFirst Home Buyer Loan
5.89%
5.89%
90%
Fixed rate
AthenaObliterate
5.99%
5.99%
50%
Interest only
Queensland Country BankHome Loan-Package
5.99%
6.03%
—
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
56d ago
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR —
Discounted Great Rate Home Loan - Variable Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments$2,500 cashback
Interest
5.94%p.a.
22d ago
Comparison*
5.95%p.a.
Monthly repayment
$2,978
LVR —
OnlineUp Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
Comparison*
5.95%p.a.
Monthly repayment
$2,982
LVR —
Discount Home Loan (With Principal and Interest Repayment)
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.93%p.a.
Comparison*
5.97%p.a.
Monthly repayment
$2,975
LVR —
Home Smart (Package)
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR 1–80%
Real Deal Home Loan Principal and Interest
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
OnlineUltimate
Owner-occupierVariableP&I
Interest
5.94%p.a.
Verify, 78d old
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Regional Australia Bank Home Loan (Non Offset)
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
16d ago
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR 70–80%
OMG Home Loan (P&I) LVR>80
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
myBlue Variable O/Occ I/O (90.01 -95.00% LVR)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Mortgage Simplifier
Owner-occupierVariableP&IRedraw
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OnlineME Bank CompleteME Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Aggregate split refi loans to meet $700k minimum (same customer, same submission)
- Mixed refi + purchase apps eligible — one $3k per application
- Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR 70–80%
Discount Variable - Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR 70–80%
Home Loan-Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Police Variable Home Loan Rate
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
31d ago
Comparison*
6.04%p.a.
Monthly repayment
$3,011
LVR —
Fair Dinkum Home Loan
Owner-occupierVariableP&IExtra repayments
Interest
6.04%p.a.
59d ago
Comparison*
6.04%p.a.
Monthly repayment
$3,011
LVR 70–80%
Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$2,995
LVR —
ANZ Standard Variable home loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$3,000 cashback
Interest
6.01%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,001
LVR ≤80%
OnlineTiimely Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,011
LVR 70–80%
Economy Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR 70–80%
RateSaver Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Variable Home Loan Package Specials
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR —
Basic Variable OO P&I
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Classic Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Back to Basics Variable Rate Better Together Special Offer
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR 70–80%
*Important Information and Comparison Rate Warning
This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Home loan rates in Geelong start from 5.93% p.a. today (as at July 2026), the lowest variable owner-occupier rate across 85+ Australian lenders. Rates are set nationally rather than by city, so a Geelong buyer sees the same numbers as anyone in Victoria; what changes is the value you borrow against and the VIC concessions that stack on top.
Buying in Geelong
What changes when you compare home loans in Geelong
Geelong is Victoria's biggest regional city, running well under Melbourne on values while keeping commuter access, and it is in early-recovery territory after the state's flat patch. Your interest rate does not change with your postcode, but the size of the loan does, and so does the cash going in. First home buyers in Geelong can combine the $10,000 First Home Owner Grant with the VIC stamp duty concession and the federal Home Guarantee Scheme cap of $950,000 (Melbourne + Geelong) / $650,000 (rest of VIC). Those three can move your minimum deposit by tens of thousands without touching the rate column above.
Source: State Revenue Office Victoria · Verified April 2026. See also our stamp duty calculator.
9
of 85+ lenders are under 6.00% today on an owner-occupier variable loan a Geelong buyer can access.
$4,463
a month, principal and interest over 30 years, indicative on an approximate Geelong value of around $750,000at today's lowest variable rate of 5.93%.
VIC first home buyer concessions at a glance
| First home owner grant | $10,000 |
|---|---|
| Stamp duty concession | Full exemption on homes ≤ $600,000; concessional rates from $600,000 to $750,000. |
| Home Guarantee Scheme cap | $950,000 (Melbourne + Geelong) / $650,000 (rest of VIC) |
What is the lowest home loan rate in Geelong right now?
Today the sharpest owner-occupier variable rate available to a Geelong buyer sits at 5.93%, with 9 of 85+ lenders priced under 6.00% and a panel median near 6.09%. Because lenders price nationally, that same rate is open to buyers right across Victoria.
Geelong home loan rate FAQs
What are the lowest home loan rates in Geelong?
The lowest comparison rate on our panel right now is 5.89%, refreshed daily and sorted to the top of the table above. Home loan rates are not set by city, the same lenders price nationally, so a Geelong buyer can access exactly the same rates as anyone in Victoria. What changes locally is the value you borrow against and the VIC concessions you stack on top.
How much would a typical Geelong home loan repayment be?
As an indicative example, a loan of around $750,000, which reflects an approximate Geelong dwelling value, repaid principal and interest over 30 years at today's lowest variable rate, sits in the range shown in the panel above. It is an indicative figure on an approximate value, not a quote, and your actual repayment depends on your rate, deposit and loan term.
What is the First Home Owner Grant for Geelong buyers?
VIC's First Home Owner Grant is $10,000. Buying or building a new home valued ≤ $750,000 (newly constructed or never-occupied). It is paid in addition to any rate you secure on the comparison table above. See State Revenue Office Victoria for current eligibility detail.
Do first home buyers pay stamp duty in Geelong?
Full exemption on homes ≤ $600,000; concessional rates from $600,000 to $750,000. These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: State Revenue Office Victoria.
What is the Home Guarantee Scheme price cap for Geelong?
$950,000 (Melbourne + Geelong) / $650,000 (rest of VIC) Under the federal Home Guarantee Scheme, eligible Geelong buyers can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, with the government guaranteeing the difference. It works with several lenders on the table above.