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AFG Home Loans - Align · Owner-occupier · Updated November 2026

AFG Home Loans - Align Owner-occupier Home Loans, November 2026

AFG Home Loans - Align lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 7.03% p.a. (comparison rate 7.08% p.a.), on Full Doc <65% LVR $3m - $3.5m Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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AFG Home Loans - Align owner occupier home loan rates, November 2026

AFG Home Loans - AlignFull Doc <65% LVR $3m - $3.5m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.03%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,337
LVR ≤65%
Enquire
AFG Home Loans - AlignFull Doc <65% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.03%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,337
LVR ≤65%
Enquire
AFG Home Loans - AlignFull Doc 65% - 70% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.03%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,337
LVR 65 to 70%
Enquire
AFG Home Loans - AlignMid Doc <50% LVR $3m - $3.5m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.18%p.a.
Comparison*
7.23%p.a.
Est. repayment
$3,387
LVR ≤50%
Enquire
AFG Home Loans - AlignMid Doc <50% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.18%p.a.
Comparison*
7.23%p.a.
Est. repayment
$3,387
LVR ≤50%
Enquire
AFG Home Loans - AlignFull Doc <65% LVR $3m - $3.5m Owner Occupied IO
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
Not available
Est. interest only / month
$3,013
LVR ≤65%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignFull Doc <65% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
Not available
Est. interest only / month
$3,013
LVR ≤65%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignFull Doc 65% - 70% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
Not available
Est. interest only / month
$3,013
LVR 65 to 70%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignFull Doc 70% - 75% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 70 to 75%
Enquire
AFG Home Loans - AlignFull Doc 75% - 80% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 75 to 80%
Enquire
AFG Home Loans - AlignMid Doc 50% - 65% LVR $3m - $3.5m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 50 to 65%
Enquire
AFG Home Loans - AlignMid Doc 50% - 65% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 50 to 65%
Enquire
AFG Home Loans - AlignMid Doc 65% - 70% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 65 to 70%
Enquire
AFG Home Loans - AlignMid Doc 70% - 75% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.33%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,438
LVR 70 to 75%
Enquire
AFG Home Loans - AlignMid Doc 75% - 80% LVR <$3m Owner Occupied P&I
VariableOffsetRedraw
Interest
7.33%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,438
LVR 75 to 80%
Enquire
AFG Home Loans - AlignMid Doc <50% LVR $3m - $3.5m Owner Occupied IO
VariableOffsetRedraw
Interest
7.38%p.a.
Comparison*
Not available
Est. interest only / month
$3,075
LVR ≤50%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignMid Doc <50% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.38%p.a.
Comparison*
Not available
Est. interest only / month
$3,075
LVR ≤50%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignFull Doc 70% - 75% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 70 to 75%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignFull Doc 75% - 80% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 75 to 80%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignMid Doc 50% - 65% LVR $3m - $3.5m Owner Occupied IO
VariableOffsetRedraw
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 50 to 65%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignMid Doc 50% - 65% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 50 to 65%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignMid Doc 65% - 70% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 65 to 70%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignMid Doc 70% - 75% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 70 to 75%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

AFG Home Loans - AlignMid Doc 75% - 80% LVR <$3m Owner Occupied IO
VariableOffsetRedraw
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 75 to 80%
Based on a $500,000 balance
Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

*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 · Owner-occupier

AFG Home Loans - Align owner-occupier home loans, what to weigh

AFG Home Loans - Align's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every owner-occupier option has the same price.

See also AFG Home Loans - Align's full product range, repayment calculator, and refinance savings calculator.

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