AFG Alpha Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
AFG Home Loans Alpha Home Loan Rates
Active products
48
Lowest variable
6.09%
Lowest fixed
6.49%
Lowest comparison
6.13%
Last updated
28 July 2026
AFG Home Loans Alpha is one of the Australian home-loan lenders we track daily. We currently surface 48 active products from AFG Home Loans Alpha, 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 is the lowest AFG Home Loans Alpha home loan rate?
The lowest AFG Home Loans Alpha variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 48 AFG Home Loans Alpha products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does AFG Home Loans Alpha offer?
Ratesniffers currently tracks 48 AFG Home Loans Alpha 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.
AFG Home Loans Alpha home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 95% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 80% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 80% |
| Variable Investor interest-only | 6.44% p.a. | 6.48% p.a. | 90% |
| Variable Investor interest-only | 6.44% p.a. | 6.48% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 80% |
| Fixed 2-year Owner-occupier P&I | 6.54% p.a. | 6.58% p.a. | 95% |
| Fixed 4-year Owner-occupier P&I | 6.54% p.a. | 6.58% p.a. | 95% |
48 AFG Home Loans Alpha home loan products
AFG Alpha Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
AFG Alpha Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
AFG Alpha Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
AFG Alpha Offset Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
AFG Alpha Basic Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
AFG Alpha Offset Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
AFG Alpha Offset Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤80%
AFG Alpha Offset Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤80%
AFG Alpha Basic Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤80%
AFG Alpha Basic Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤80%
AFG Alpha Offset Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
AFG Alpha Offset Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
AFG Alpha Offset Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
AFG Alpha Basic Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
AFG Alpha Basic Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
AFG Alpha Basic Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
AFG Alpha Offset Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
AFG Alpha Offset Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
AFG Alpha Basic Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
AFG Alpha Basic Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
AFG Alpha Offset Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
AFG Alpha Offset Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
AFG Alpha Offset Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
AFG Alpha Basic Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
AFG Alpha Basic Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
AFG Alpha Basic Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
7.33%p.a.
Comparison*
7.37%p.a.
Monthly repayment
$3,438
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
7.33%p.a.
Comparison*
7.37%p.a.
Monthly repayment
$3,438
LVR ≤80%
Negotiate AFG Home Loans Alpha rates with a broker
Advertised rates aren't always the rate AFG Home Loans Alpha actually approves. Our broker negotiates against your specific scenario, no fee.
AFG Home Loans Alpha home loans: frequently asked questions
What is the lowest AFG Home Loans Alpha home loan rate?
AFG Home Loans Alpha's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.49% p.a., based on the 48 AFG Home Loans Alpha products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate AFG Home Loans Alpha approves, a broker can often negotiate a sharper deal on your scenario.
How does AFG Home Loans Alpha's home loan rate compare to the market?
AFG Home Loans Alpha's lowest variable home loan rate today is 6.09% p.a., which is in line with the market median of 6.09% p.a. today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where AFG Home Loans Alpha sits right now rather than a fixed snapshot.
How many home loan products does AFG Home Loans Alpha offer?
Ratesniffers currently tracks 48 AFG Home Loans Alpha home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily 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 Alpha competitive for refinancing?
It depends on your loan size and LVR. AFG Home Loans Alpha's lowest comparison rate is currently 6.13% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing AFG Home Loans Alpha against the sharpest available rate usually pays off.
How often are AFG Home Loans Alpha's home loan rates updated?
Ratesniffers refreshes AFG Home Loans Alpha's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever AFG Home Loans Alpha reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
AFG Home Loans Alpha rates by borrower and loan type
The same AFG Home Loans Alpha panel, filtered to the scenario you're actually shopping for.
- AFG Home Loans Alpha owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- AFG Home Loans Alpha investor ratesInvestment lending, interest-only where offered.
- AFG Home Loans Alpha refinance ratesRefinance-eligible products versus your current rate.
- AFG Home Loans Alpha first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- AFG Home Loans Alpha fixed rates1 to 5-year terms where available.
- AFG Home Loans Alpha variable ratesFlexible repayments, offset-compatible products.
- AFG Home Loans Alpha interest-only ratesIO terms, mostly investor products.
- AFG Home Loans Alpha offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
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Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.