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.

Active products

139

Variable product example

—

Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Fixed product example

—

Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Example comparison rate

—

Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

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. Compare AFG Home Loans - Align's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.

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. 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.

139 AFG Home Loans - Align home loan products

No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.

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. Compare AFG Home Loans - Align's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.

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?

Compare AFG Home Loans - Align's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.

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. 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.