Interest
6.78%p.a.
Comparison*
Not available
Est. repayment
$3,253
LVR ≤65%
AFG Home Loans - Align Home Loan Rates
Tracked products
139
Lowest variable
6.78%
Lowest fixed
—
Lowest comparison
—
Last updated
27 Sept 2026
AFG Home Loans - Align is one of the Australian home-loan lenders we track daily. We currently surface 139 active products from AFG Home Loans - Align, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are AFG Home Loans - Align home loan rates?
AFG Home Loans - Align home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.78% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Align against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest AFG Home Loans - Align home loan rate?
The lowest AFG Home Loans - Align variable home loan rate Ratesniffers tracks is 6.78% p.a. These figures come from the 49 AFG Home Loans - Align products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 27 Sept 2026).
How many home loan products does AFG Home Loans - Align offer?
Ratesniffers currently tracks 139 AFG Home Loans - Align home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 49 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
AFG Home Loans - Align home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 6.78% p.a. | 65% |
| Variable Owner-occupier P&I | 6.78% p.a. | 65% |
| Variable Owner-occupier P&I | 6.78% p.a. | 70% |
| Variable Investor P&I | 6.88% p.a. | 65% |
| Variable Investor P&I | 6.88% p.a. | 65% |
| Variable Investor P&I | 6.88% p.a. | 70% |
| Variable Owner-occupier P&I | 6.93% p.a. | 50% |
| Variable Owner-occupier P&I | 6.93% p.a. | 50% |
| Variable Owner-occupier interest-only | 6.98% p.a. | 65% |
| Variable Owner-occupier interest-only | 6.98% p.a. | 65% |
| Variable Owner-occupier interest-only | 6.98% p.a. | 70% |
| Variable Owner-occupier P&I | 6.98% p.a. | 75% |
49 of 139 tracked AFG Home Loans - Align home loan products
Interest
6.78%p.a.
Comparison*
Not available
Est. repayment
$3,253
LVR ≤65%
Interest
6.78%p.a.
Comparison*
Not available
Est. repayment
$3,253
LVR 65 to 70%
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR ≤65%
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR ≤65%
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR 65 to 70%
Interest
6.93%p.a.
Comparison*
Not available
Est. repayment
$3,303
LVR ≤50%
Interest
6.93%p.a.
Comparison*
Not available
Est. repayment
$3,303
LVR ≤50%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR ≤65%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR ≤65%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 65 to 70%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 70 to 75%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 75 to 80%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 50 to 65%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 50 to 65%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 65 to 70%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR ≤65%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR ≤65%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 65 to 70%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 70 to 75%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 75 to 80%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 70 to 75%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 75 to 80%
Interest
7.13%p.a.
Comparison*
Not available
Est. repayment
$3,370
LVR ≤50%
Interest
7.13%p.a.
Comparison*
Not available
Est. repayment
$3,370
LVR ≤50%
Interest
7.13%p.a.
Comparison*
Not available
Est. repayment
$3,370
LVR ≤50%
Interest
7.13%p.a.
Comparison*
Not available
Est. repayment
$3,370
LVR ≤50%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 70 to 75%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 75 to 80%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 50 to 65%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 50 to 65%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 50 to 65%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 50 to 65%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 65 to 70%
Interest
7.18%p.a.
Comparison*
Not available
Est. repayment
$3,387
LVR 65 to 70%
Interest
7.23%p.a.
Comparison*
Not available
Est. repayment
$3,404
LVR ≤50%
Interest
7.23%p.a.
Comparison*
Not available
Est. repayment
$3,404
LVR ≤50%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 70 to 75%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 75 to 80%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 50 to 65%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 50 to 65%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 65 to 70%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 70 to 75%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 70 to 75%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 75 to 80%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 75 to 80%
Interest
7.38%p.a.
Comparison*
Not available
Est. repayment
$3,455
LVR 70 to 75%
Interest
7.38%p.a.
Comparison*
Not available
Est. repayment
$3,455
LVR 75 to 80%
Interest
8.19%p.a.
Comparison*
Not available
Est. repayment
$3,735
LVR 65 to 70%
*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.
AFG Home Loans - Align home loan repayment calculator
Pre-filled with AFG Home Loans - Align's lowest advertised variable rate in the table above, 6.78% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
AFG Home Loans - Align's lowest variable today: 6.78%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,253
Fortnightly repayment
$1,501
Total interest
$671,068
30 years at 6.78% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is AFG Home Loans - Align?
AFG Home Loans Align is a white-label variable-rate home loan, with Think Tank Group Pty Ltd as the provider. The AFG Home Loans range lends under Australian Credit Licence 411913.
Align carries no ongoing monthly fees, a redraw facility on the variable rate, and unlimited additional repayments at no cost. AFG Home Loans lists it as covering self-employed and PAYG applicants, property investors, and company and trust borrowers. It does not publish an offset account or a maximum LVR for Align, so both are worth confirming against the current product terms rather than assumed.
Who suits a AFG Home Loans - Align home loan?
Align tends to suit borrowers who want a variable loan with no ongoing fee and who sit in a structure the banks template awkwardly, such as company or trust ownership, or self-employed income. Because no LVR ceiling or offset option is published for Align, treat those as open questions rather than features, and compare the rate against the loans in the table above.
Background facts checked 4 September 2026. Rates above refresh independently.
AFG Home Loans - Align fees, offset and limits at a glance
- Application or establishment fee
- Full Doc and Mid Doc and SMSF, $650 + GST. Includes: Legal Fee and Title Insurance Premium (legal…
- Discharge fee
- $350
- Additional valuation fee
- $385
- Maximum total lending
- $2m dependent on location and security
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
AFG Home Loans - Align home loans: frequently asked questions
What are AFG Home Loans - Align home loan rates?
AFG Home Loans - Align home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.78% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Align against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a AFG Home Loans - Align balance, use /calculators/extra-repayment.
What is the lowest AFG Home Loans - Align home loan rate?
AFG Home Loans - Align's lowest variable home loan rate is currently 6.78% p.a., based on the 49 AFG Home Loans - Align products Ratesniffers ranks by comparison rate, checked daily (last verified 27 Sept 2026). The advertised rate isn't always the rate AFG Home Loans - Align approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 AFG Home Loans - Align home loan?
At AFG Home Loans - Align's lowest variable rate of 6.78% p.a., a $600,000 principal and interest loan over 30 years repays about $3,904 a month, and $500,000 about $3,253. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 AFG Home Loans - Align home loan?
There is no single salary. Like every Australian lender, AFG Home Loans - Align must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.78% p.a. is assessed at about 9.78% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does AFG Home Loans - Align's home loan rate compare to the market?
AFG Home Loans - Align's lowest variable home loan rate today is 6.78% p.a., which is 59 basis points above the market median of 6.19% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking AFG Home Loans - Align to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where AFG Home Loans - Align sits right now rather than a fixed snapshot.
How many home loan products does AFG Home Loans - Align offer?
Ratesniffers currently tracks 139 AFG Home Loans - Align home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 49 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
How often are AFG Home Loans - Align's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Align's home loan rates daily; this page was last updated 27 Sept 2026. Rates can change whenever AFG Home Loans - Align reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.