Interest
7.03%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,337
LVR ≤65%
AFG Home Loans - Align Home Loan Rates
AFG Home Loans - Align lifted its variable home-loan rates by 0.25 percentage points from 6 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
139
Variable product example
7.23%
A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Variable example comparison
7.28%
A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
13 November 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?
Ratesniffers compares AFG Home Loans - Align home loan products by comparison rate. A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
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 60 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 | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 7.03% p.a. | 7.08% p.a. | 65% |
| Variable Owner-occupier P&I | 7.03% p.a. | 7.08% p.a. | 65% |
| Variable Owner-occupier P&I | 7.03% p.a. | 7.08% p.a. | 70% |
| Variable Investor P&I | 7.13% p.a. | 7.18% p.a. | 65% |
| Variable Investor P&I | 7.13% p.a. | 7.18% p.a. | 65% |
| Variable Investor P&I | 7.13% p.a. | 7.18% p.a. | 70% |
| Variable Owner-occupier P&I | 7.18% p.a. | 7.23% p.a. | 50% |
| Variable Owner-occupier P&I | 7.18% p.a. | 7.23% p.a. | 50% |
| Variable Owner-occupier interest-only | 7.23% p.a. | n/a | 65% |
| Variable Owner-occupier interest-only | 7.23% p.a. | n/a | 65% |
| Variable Owner-occupier interest-only | 7.23% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 7.23% p.a. | 7.28% p.a. | 75% |
60 of 139 tracked AFG Home Loans - Align home loan products
Interest
7.03%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,337
LVR ≤65%
Interest
7.03%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,337
LVR 65 to 70%
Interest
7.13%p.a.
Comparison*
7.18%p.a.
Est. repayment
$3,370
LVR ≤65%
Interest
7.13%p.a.
Comparison*
7.18%p.a.
Est. repayment
$3,370
LVR ≤65%
Interest
7.13%p.a.
Comparison*
7.18%p.a.
Est. repayment
$3,370
LVR 65 to 70%
Interest
7.18%p.a.
Comparison*
7.23%p.a.
Est. repayment
$3,387
LVR ≤50%
Interest
7.18%p.a.
Comparison*
7.23%p.a.
Est. repayment
$3,387
LVR ≤50%
Interest
7.23%p.a.
Comparison*
Not available
Est. interest only / month
$3,013
LVR ≤65%
Based on a $500,000 balance
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.
Interest
7.23%p.a.
Comparison*
Not available
Est. interest only / month
$3,013
LVR ≤65%
Based on a $500,000 balance
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.
Interest
7.23%p.a.
Comparison*
Not available
Est. interest only / month
$3,013
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 70 to 75%
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 75 to 80%
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 50 to 65%
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 50 to 65%
Interest
7.23%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,404
LVR 65 to 70%
Interest
7.33%p.a.
Comparison*
Not available
Est. interest only / month
$3,054
LVR ≤65%
Based on a $500,000 balance
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.
Interest
7.33%p.a.
Comparison*
Not available
Est. interest only / month
$3,054
LVR ≤65%
Based on a $500,000 balance
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.
Interest
7.33%p.a.
Comparison*
Not available
Est. interest only / month
$3,054
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
7.33%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,438
LVR 70 to 75%
Interest
7.33%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,438
LVR 75 to 80%
Interest
7.33%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,438
LVR 70 to 75%
Interest
7.33%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,438
LVR 75 to 80%
Interest
7.38%p.a.
Comparison*
Not available
Est. interest only / month
$3,075
LVR ≤50%
Based on a $500,000 balance
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.
Interest
7.38%p.a.
Comparison*
Not available
Est. interest only / month
$3,075
LVR ≤50%
Based on a $500,000 balance
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.
Interest
7.38%p.a.
Comparison*
7.43%p.a.
Est. repayment
$3,455
LVR ≤50%
Interest
7.38%p.a.
Comparison*
7.43%p.a.
Est. repayment
$3,455
LVR ≤50%
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 70 to 75%
Based on a $500,000 balance
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.
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 75 to 80%
Based on a $500,000 balance
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.
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 50 to 65%
Based on a $500,000 balance
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.
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 50 to 65%
Based on a $500,000 balance
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.
Interest
7.43%p.a.
Comparison*
Not available
Est. interest only / month
$3,096
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
7.43%p.a.
Comparison*
7.48%p.a.
Est. repayment
$3,472
LVR 50 to 65%
Interest
7.43%p.a.
Comparison*
7.48%p.a.
Est. repayment
$3,472
LVR 50 to 65%
Interest
7.43%p.a.
Comparison*
7.48%p.a.
Est. repayment
$3,472
LVR 65 to 70%
Interest
7.48%p.a.
Comparison*
Not available
Est. interest only / month
$3,117
LVR ≤50%
Based on a $500,000 balance
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.
Interest
7.48%p.a.
Comparison*
Not available
Est. interest only / month
$3,117
LVR ≤50%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 70 to 75%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 75 to 80%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 50 to 65%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 50 to 65%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 70 to 75%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
Not available
Est. interest only / month
$3,138
LVR 75 to 80%
Based on a $500,000 balance
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.
Interest
7.53%p.a.
Comparison*
7.58%p.a.
Est. repayment
$3,506
LVR 70 to 75%
Interest
7.53%p.a.
Comparison*
7.58%p.a.
Est. repayment
$3,506
LVR 75 to 80%
Interest
7.63%p.a.
Comparison*
Not available
Est. interest only / month
$3,179
LVR 70 to 75%
Based on a $500,000 balance
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.
Interest
7.63%p.a.
Comparison*
Not available
Est. interest only / month
$3,179
LVR 75 to 80%
Based on a $500,000 balance
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.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤50%
Based on a $500,000 balance
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.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤50%
Based on a $500,000 balance
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.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 50 to 65%
Based on a $500,000 balance
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.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 50 to 65%
Based on a $500,000 balance
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.
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR ≤65%
Based on a $500,000 balance
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.
Interest
8.14%p.a.
Comparison*
Not available
Est. interest only / month
$3,392
LVR ≤65%
Based on a $500,000 balance
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.
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR 70 to 75%
Based on a $500,000 balance
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.
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR 70 to 75%
Based on a $500,000 balance
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.
Interest
8.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,538
LVR 65 to 70%
Based on a $500,000 balance
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.
Interest
8.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,538
LVR 65 to 70%
Based on a $500,000 balance
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 home loan repayment calculator
The starting interest input uses this selected AFG Home Loans - Align product example: Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
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 amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
$3,404
Fortnightly repayment
$1,571
Total interest
$725,476
30 years at 7.23% (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 9 Nov 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?
Ratesniffers compares AFG Home Loans - Align home loan products by comparison rate. A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. Compare AFG Home Loans - Align at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest AFG Home Loans - Align home loan rate?
A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 AFG Home Loans - Align home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $4,085 a month before fees. The selected source example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 AFG Home Loans - Align home loan?
There is no single salary requirement for a AFG Home Loans - Align home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish AFG Home Loans - Align's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does AFG Home Loans - Align's home loan rate compare to the market?
A verified AFG Home Loans - Align product example is Full Doc 75% - 80% LVR <$3m Owner Occupied P&I: 7.23% p.a. (7.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. Across 26 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 9 November 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
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 60 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.
Is AFG Home Loans - Align competitive for refinancing?
Compare AFG Home Loans - Align's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 13 November 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.