Interest
6.14%p.a.
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR 70 to 80%
AFG Home Loans Alpha Home Loan Rates
Tracked products
270
Lowest variable
6.14%
Lowest fixed
6.49%
Lowest comparison
6.13%
Last updated
11 Sept 2026
AFG Home Loans Alpha is one of the Australian home-loan lenders we track daily. We currently surface 270 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 are AFG Home Loans Alpha home loan rates?
AFG Home Loans Alpha home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.14% p.a. and the lowest fixed rate currently 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare AFG Home Loans Alpha 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 Alpha home loan rate?
The lowest AFG Home Loans Alpha variable home loan rate Ratesniffers tracks is 6.14% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 60 AFG Home Loans Alpha products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does AFG Home Loans Alpha offer?
Ratesniffers currently tracks 270 AFG Home Loans Alpha 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 Alpha home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.14% p.a. | 6.14% p.a. | 95% |
| Variable Owner-occupier P&I | 6.14% p.a. | 6.14% p.a. | 80% |
| Variable Investor interest-only | 6.44% p.a. | n/a | 50% |
| Variable Investor interest-only | 6.44% p.a. | n/a | 60% |
| Variable Investor P&I | 6.29% p.a. | 6.47% p.a. | 90% |
| Variable Investor P&I | 6.29% p.a. | 6.47% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.13% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.20% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.49% p.a. | 6.13% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.20% p.a. | 80% |
| Variable Investor interest-only | 6.49% p.a. | n/a | 50% |
| Variable Investor interest-only | 6.49% p.a. | n/a | 60% |
60 of 270 tracked AFG Home Loans Alpha home loan products
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤50%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 50 to 60%
Interest
6.29%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Interest
6.29%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤50%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 50 to 60%
Interest
6.54%p.a.
Comparison*
6.18%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.25%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.18%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.25%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 60 to 70%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 60 to 70%
Interest
6.64%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤50%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 50 to 60%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 60 to 70%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤50%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 50 to 60%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 60 to 70%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤50%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 50 to 60%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 60 to 70%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤50%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 50 to 60%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 60 to 70%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
*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 Alpha home loan repayment calculator
Pre-filled with AFG Home Loans Alpha's lowest advertised variable rate in the table above, 6.14% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
AFG Home Loans Alpha's lowest variable today: 6.14%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,043
Fortnightly repayment
$1,404
Total interest
$595,446
30 years at 6.14% (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 Alpha?
AFG Home Loans Alpha is a white-label home loan with Bendigo and Adelaide Bank Limited ABN 11 068 049 178 as the credit provider. The AFG Home Loans range lends under Australian Credit Licence 411913 and is distributed through accredited brokers rather than direct to the public.
Alpha comes in two variants. The Offset Home Loan allows up to six 100% offset accounts, each fully transactional with ATM, EFTPOS, BPAY and Pay Anyone access, alongside free online redraw. The Basic Home Loan drops the offset and uses manual redraw, also at no cost. Both carry no ongoing fees, and the rate can be fixed, variable, or split across the two. Redraw requires at least one month of repayments held in advance. No maximum LVR is published for Alpha.
Who suits a AFG Home Loans Alpha home loan?
Alpha tends to suit borrowers who want a bank-funded loan with no ongoing fee and either a genuine offset setup or a stripped-back basic loan. The six-offset structure is unusual and earns its keep if you actually run separate buckets for savings, tax and expenses; for a single offset the Basic variant is the simpler comparison. No maximum LVR is published, so confirm the deposit requirement against current terms, and compare the rate against the loans in the table above.
Background facts checked 5 September 2026. Rates above refresh independently.
AFG Home Loans Alpha fees, offset and limits at a glance
- Application or establishment fee
- Application fee $299 (Offset Home Loan).
- Discharge fee
- $350
- Settlement fee
- $199
- Additional valuation fee
- $236.50
- Loan portability
- $150
- Offset account
- Up to six 100% Offset Accounts available
- Minimum offset balance
- $1
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- O/O max LVR 95% inc LMI, Investment P&I Max LVR is 90% inc LMI. Max 80% including LMI for Interest Only.
- Maximum total lending
- No limit
- Extra repayments on fixed
- Max $20k p.a. without incurring break cost fees
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
AFG Home Loans Alpha home loans: frequently asked questions
What are AFG Home Loans Alpha home loan rates?
AFG Home Loans Alpha home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.14% p.a., and the lowest fixed rate is 6.49% p.a., checked daily (last verified 11 Sept 2026). Compare AFG Home Loans Alpha against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a AFG Home Loans Alpha balance, use /calculators/extra-repayment.
What is the lowest AFG Home Loans Alpha home loan rate?
AFG Home Loans Alpha's lowest variable home loan rate is currently 6.14% p.a., and its lowest fixed rate is 6.49% p.a., based on the 60 AFG Home Loans Alpha products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 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.
What is the monthly repayment on a $600,000 AFG Home Loans Alpha home loan?
At AFG Home Loans Alpha's lowest variable rate of 6.14% p.a., a $600,000 principal and interest loan over 30 years repays about $3,651 a month, and $500,000 about $3,043. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 AFG Home Loans Alpha home loan?
There is no single salary. Like every Australian lender, AFG Home Loans Alpha must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.14% p.a. is assessed at about 9.14% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 6.14% p.a., which is 10 basis points below the market median of 6.24% p.a., which puts AFG Home Loans Alpha among the more competitive lenders on variable rates 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 270 AFG Home Loans Alpha 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 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 11 Sept 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.