Home loan rates in Gold Coast, July 2026
The sharpest owner-occupier rates available to Gold Coast buyers, ranked by comparison rate across 85+ lenders. Rates are priced nationally, so a Gold Coast buyer sees the same numbers as anyone in Queensland; what changes is the value you borrow against and the QLD 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 Gold Coast 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.
55d 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.
21d 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 Plus Home Loan (with Principal and Interest Repayment)
Owner-occupierVariableP&IOffsetRedrawExtra 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, 77d old
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Regional Australia Bank Home Loan (Offset)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
15d ago
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR 70–80%
Offset Home Loan LVR <60
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
myBlue Variable O/Occ P+I (60.01 - 80.00% LVR)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Orange Advantage
Owner-occupierVariableP&IOffsetRedraw
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OnlineME Bank EconoME Home Loan
Owner-occupierVariableP&IRedrawExtra 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.
30d ago
Comparison*
6.04%p.a.
Monthly repayment
$3,011
LVR —
Fair Dinkum Home Loan
Owner-occupierVariableP&IExtra repayments
Interest
6.04%p.a.
58d 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%
Clear Path Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR ≤80%
DHOAS Rate Saver Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
XL Home Loan Package
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%
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra 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%
Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers
Owner-occupierVariableP&IOffsetRedrawExtra 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 Gold Coast 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 Gold Coast buyer sees the same numbers as anyone in Queensland; what changes is the value you borrow against and the QLD concessions that stack on top.
Buying in Gold Coast
What changes when you compare home loans in Gold Coast
The Gold Coast has climbed into seven figures on house values, so the gap between an average and a sharp comparison rate moves a Gold Coast repayment by hundreds a month. 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 Gold Coast can combine the $30,000 First Home Owner Grant with the QLD stamp duty concession and the federal Home Guarantee Scheme cap of $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD). Those three can move your minimum deposit by tens of thousands without touching the rate column above.
Source: Queensland Revenue Office · 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 Gold Coast buyer can access.
$5,951
a month, principal and interest over 30 years, indicative on an approximate Gold Coast value of around $1,000,000at today's lowest variable rate of 5.93%.
QLD first home buyer concessions at a glance
| First home owner grant | $30,000 |
|---|---|
| Stamp duty concession | Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate). |
| Home Guarantee Scheme cap | $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD) |
What is the lowest home loan rate in Gold Coast right now?
Today the sharpest owner-occupier variable rate available to a Gold Coast 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 Queensland.
Gold Coast home loan rate FAQs
What are the lowest home loan rates in Gold Coast?
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 Gold Coast buyer can access exactly the same rates as anyone in Queensland. What changes locally is the value you borrow against and the QLD concessions you stack on top.
How much would a typical Gold Coast home loan repayment be?
As an indicative example, a loan of around $1,000,000, which reflects an approximate Gold Coast 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 Gold Coast buyers?
QLD's First Home Owner Grant is $30,000. Buying or building a new home, contracts signed from 20 Nov 2023. The increased $30,000 amount, originally due to revert to $15,000 after 30 Jun 2026, has been extended and continues for contracts signed from 1 Jul 2026 onward. It is paid in addition to any rate you secure on the comparison table above. See Queensland Revenue Office for current eligibility detail.
Do first home buyers pay stamp duty in Gold Coast?
Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate). 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: Queensland Revenue Office.
What is the Home Guarantee Scheme price cap for Gold Coast?
$1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD) Under the federal Home Guarantee Scheme, eligible Gold Coast 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.