AFG Home Loans Alpha Home Loan Rates
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 270 AFG Home Loans Alpha products on this page, 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. 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.
270 AFG Home Loans Alpha 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 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.