Interest
5.99%p.a.
Comparison*
5.99%p.a.
Est. repayment
$2,995
LVR ≤80%
Home loan rates in Wollongong, October 2026
The sharpest owner-occupier rates available to Wollongong buyers, ranked by comparison rate across 50+ lenders. Rates are priced nationally, so a Wollongong buyer sees the same numbers as anyone in New South Wales; what changes is the value you borrow against and the NSW concessions that stack on top.
RBA cash rate 4.60%(effective 30 September 2026)·As at ·5,175 products·50+ Australian lenders
About these dates
Live rates updated 15 October 2026. Verified snapshot dated 8 October 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Sorted by comparison rate25 products shown
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in October 2026
Reviewed by the Ratesniffers Editorial Team, October 2026
These are the standout rates for Wollongong buyers right now, ranked sharpest-first by comparison rate (currently from 5.99%), checked daily, rates as at 8 October 2026, with no paid placement.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Queensland Country BankSpecial Package Variable Owner Occupied <80% LVR P&I
5.99%
5.99%
80%
Fixed rate
Queensland Country Bank2 Year Fixed Rate Package Owner Occupied <80% LVR P&I Special
6.29%
6.33%
80%
Interest only
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Interest Only
6.19%
6.22%
80%
Interest
5.99%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.03%p.a.
Est. repayment
$2,995
LVR ≤80%
Interest
6.09%p.a.
Updating +25bp · eff 13 Oct
Comparison*
6.09%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Interest
6.14%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR ≤80%
Interest
6.14%p.a.
Comparison*
6.17%p.a.
Est. repayment
$3,043
LVR 60 to 80%
Interest
6.19%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.22%p.a.
Est. repayment
$3,059
LVR 70 to 80%
Interest
6.29%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.29%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Show 15 more products
Interest
6.09%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.32%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Interest
6.18%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,056
LVR ≤80%
Bank of Queensland LimitedEconomy Variable Home Loan Owner Occupied 70% - 80% LVR P&I Special (Existing customers only)
VariableRedraw
Interest
6.33%p.a.
Updating +25bp · eff 2 Oct
Comparison*
6.44%p.a.
Est. repayment
$3,105
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,141
LVR 70 to 80%
ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.19%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.47%p.a.
Est. repayment
$3,059
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.39%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.51%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.49%p.a.
Updating +25bp · eff 7 Oct
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 70 to 80%
*Important Information and Comparison Rate Warning
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 Wollongong start from 5.99% p.a. today (as at October 2026), the lowest variable owner-occupier rate across 50+ Australian lenders. Rates are set nationally rather than by city, so a Wollongong buyer sees the same numbers as anyone in New South Wales; what changes is the value you borrow against and the NSW concessions that stack on top.
Buying in Wollongong
What changes when you compare home loans in Wollongong
Wollongong sits just below Sydney on values with much of the same commuter demand, and the Illawarra is home turf for some of the sharpest customer-owned lenders on our panel. 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 Wollongong can combine the $10,000 First Home Owner Grant with the NSW stamp duty concession and the federal Home Guarantee Scheme cap of $1,500,000 (Sydney + regional centres) / $800,000 (rest of NSW). Those three can move your minimum deposit by tens of thousands without touching the rate column above.
Source: Revenue NSW · Verified September 2026. See also our stamp duty calculator.
2
of 50+ lenders are under 6.00% today on an owner-occupier variable loan a Wollongong buyer can access.
$5,690
a month, principal and interest over 30 years, indicative on an approximate Wollongong value of around $950,000 at today's lowest variable rate of 5.99%.
NSW first home buyer concessions at a glance
| First home owner grant | $10,000 |
|---|---|
| Stamp duty concession | Full exemption on new or existing homes ≤ $800,000; concessional rates from $800,000 to $1,000,000. |
| Home Guarantee Scheme cap | $1,500,000 (Sydney + regional centres) / $800,000 (rest of NSW) |
What is the lowest home loan rate in Wollongong right now?
Today the sharpest owner-occupier variable rate available to a Wollongong buyer sits at 5.99%, with 2 of 50+ lenders priced under 6.00% and a panel median near 6.44%. Because lenders price nationally, that same rate is open to buyers right across New South Wales.
Wollongong home loan rate FAQs
What are the lowest home loan rates in Wollongong?
The lowest comparison rate on our panel right now is 5.99%, checked daily, rates as at 8 October 2026, and sorted to the top of the table above. Home loan rates are not set by city, the same lenders price nationally, so a Wollongong buyer can access exactly the same rates as anyone in New South Wales. What changes locally is the value you borrow against and the NSW concessions you stack on top.
How much would a typical Wollongong home loan repayment be?
As an indicative example, a loan of around $950,000, which reflects an approximate Wollongong 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 Wollongong buyers?
NSW's First Home Owner Grant is $10,000. Buying or building a new home valued ≤ $600,000, or new house-and-land package ≤ $750,000. It is paid in addition to any rate you secure on the comparison table above. See Revenue NSW for current eligibility detail.
Do first home buyers pay stamp duty in Wollongong?
Full exemption on new or existing homes ≤ $800,000; concessional rates from $800,000 to $1,000,000. 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: Revenue NSW.
What is the Home Guarantee Scheme price cap for Wollongong?
$1,500,000 (Sydney + regional centres) / $800,000 (rest of NSW) Under the federal Home Guarantee Scheme, eligible Wollongong 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.