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.
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.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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.
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.
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.
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.
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 32 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.
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor interest-only | 8.49% p.a. | n/a | 70% |
| Variable Owner-occupier interest-only | 8.49% p.a. | n/a | 70% |
| Variable Investor interest-only | 8.49% p.a. | n/a | 75% |
| Variable Owner-occupier interest-only | 8.49% p.a. | n/a | 75% |
| Variable Investor interest-only | 8.49% p.a. | n/a | 75% |
| Variable Owner-occupier interest-only | 8.49% p.a. | n/a | 75% |
| Variable Investor interest-only | 8.54% p.a. | n/a | 70% |
| Variable Investor interest-only | 8.54% p.a. | n/a | 70% |
| Variable Investor interest-only | 8.54% p.a. | n/a | 75% |
| Variable Investor interest-only | 8.54% p.a. | n/a | 75% |
| Variable Owner-occupier P&I | 8.24% p.a. | 9.76% p.a. | 70% |
| Variable Owner-occupier P&I | 8.24% p.a. | 9.76% p.a. | 75% |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
Checked 9 Nov 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
