Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤70%
AFG Home Loans - Bright Home Loan Rates
Tracked products
196
Lowest variable (interest-only)
6.69%
Lowest fixed
—
Lowest comparison
—
Last updated
27 Sept 2026
AFG Home Loans - Bright is one of the Australian home-loan lenders we track daily. We currently surface 196 active products from AFG Home Loans - Bright, 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 - Bright home loan rates?
AFG Home Loans - Bright home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.69% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Bright 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 - Bright home loan rate?
The lowest AFG Home Loans - Bright variable home loan rate Ratesniffers tracks is 6.69% p.a. These figures come from the 53 AFG Home Loans - Bright products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 27 Sept 2026).
How many home loan products does AFG Home Loans - Bright offer?
Ratesniffers currently tracks 196 AFG Home Loans - Bright home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 53 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 - Bright home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier interest-only | 6.69% p.a. | 70% |
| Variable Investor P&I | 6.74% p.a. | 70% |
| Variable Owner-occupier P&I | 6.84% p.a. | 65% |
| Variable Owner-occupier P&I | 6.84% p.a. | 70% |
| Variable Investor interest-only | 6.94% p.a. | 70% |
| Variable Owner-occupier interest-only | 6.99% p.a. | 65% |
| Variable Owner-occupier interest-only | 6.99% p.a. | 70% |
| Variable Investor P&I | 7.04% p.a. | 75% |
| Variable Investor P&I | 7.04% p.a. | 80% |
| Variable Investor P&I | 7.04% p.a. | 65% |
| Variable Investor P&I | 7.04% p.a. | 70% |
| Variable Owner-occupier P&I | 7.09% p.a. | 75% |
53 of 196 tracked AFG Home Loans - Bright home loan products
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤70%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR <$2.5m P&I
VariableOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 65 to 70%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤70%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR <$2.5m IO
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 65 to 70%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 70 to 75%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 75 to 80%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤65%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 70% - 75% LVR <$2.5m P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 75%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 75% - 80% LVR <$2.5m P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 75 to 80%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤65%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 65 to 70%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR ≤70%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 75%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 75 to 80%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤70%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 70 to 75%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 75 to 80%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 70 to 75%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 75 to 80%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied <65% LVR $2.5m - $3.5m P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR $2.5m - $3.5m P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR 65 to 70%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤70%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied <65% LVR $2.5m - $3.5m IO
VariableOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR $2.5m - $3.5m IO
VariableOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR 65 to 70%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 70% - 75% LVR $2.5m - $3m P&I
VariableOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR 70 to 75%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 75% - 80% LVR $2.5m - $3m P&I
VariableOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR 75 to 80%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR 70 to 75%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR 75 to 80%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 65% - 70% LVR $2.5m - $3.5m P&I
VariableOffsetRedraw
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR 65 to 70%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 65% - 70% LVR $2.5m - $3.5m IO
VariableOffsetRedraw
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR 65 to 70%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 70% - 75% LVR $2.5m - $3m P&I
VariableOffsetRedraw
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR 70 to 75%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 75% - 80% LVR $2.5m - $3m P&I
VariableOffsetRedraw
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR 75 to 80%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤70%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR 70 to 75%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR 75 to 80%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 70% - 75% LVR $2.5m - $3m IO
VariableOffsetRedraw
Interest
7.79%p.a.
Comparison*
Not available
Est. repayment
$3,596
LVR 70 to 75%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 75% - 80% LVR $2.5m - $3m IO
VariableOffsetRedraw
Interest
7.79%p.a.
Comparison*
Not available
Est. repayment
$3,596
LVR 75 to 80%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied <65% LVR $3.5m - $5m P&I
VariableOffsetRedraw
Interest
7.84%p.a.
Comparison*
Not available
Est. repayment
$3,613
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR $3.5m - $5m P&I
VariableOffsetRedraw
Interest
7.84%p.a.
Comparison*
Not available
Est. repayment
$3,613
LVR 65 to 70%
Interest
7.94%p.a.
Comparison*
Not available
Est. repayment
$3,648
LVR ≤70%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied <65% LVR $3.5m - $5m IO
VariableOffsetRedraw
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤70%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR $3.5m - $5m IO
VariableOffsetRedraw
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
8.04%p.a.
Comparison*
Not available
Est. repayment
$3,683
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 65% - 70% LVR $3.5m - $5m P&I
VariableOffsetRedraw
Interest
8.04%p.a.
Comparison*
Not available
Est. repayment
$3,683
LVR 65 to 70%
Interest
8.14%p.a.
Comparison*
Not available
Est. repayment
$3,718
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 65% - 70% LVR $3.5m - $5m IO
VariableOffsetRedraw
Interest
8.14%p.a.
Comparison*
Not available
Est. repayment
$3,718
LVR 65 to 70%
*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 - Bright home loan repayment calculator
Pre-filled with AFG Home Loans - Bright's lowest advertised variable rate in the table above, 6.69% 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 - Bright's lowest variable today: 6.69%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,223
Fortnightly repayment
$1,488
Total interest
$660,307
30 years at 6.69% (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 - Bright?
AFG Home Loans Bright is a white-label home loan with Brighten Home Loans Pty Ltd ACN 620 839 983 as the credit provider. The AFG Home Loans range lends under Australian Credit Licence 411913.
Bright is built for applications that sit outside a standard bank file. The three cases it is published for are expatriate and non-resident applicants, bridging finance between a sale and a purchase, and construction lending. It carries both an offset facility and redraw, lends to a maximum 80% of property value, and funds loans up to $2 million.
Who suits a AFG Home Loans - Bright home loan?
Bright tends to suit Australian expatriates and non-residents buying here, and borrowers who need bridging or construction finance rather than a plain purchase or refinance. The 80% ceiling means it is not a low-deposit option, and specialist funding is priced for the complexity, so compare it against the mainstream rates in the table above before assuming it is the cheaper route.
Background facts checked 4 September 2026. Rates above refresh independently.
AFG Home Loans - Bright fees, offset and limits at a glance
- Application or establishment fee
- $0
- Discharge fee
- $950
- Settlement fee
- $330
- Additional valuation fee
- $330
- Loan portability
- $660 plus valuation cost
- Offset account
- 100% offset
- Minimum offset balance
- $0
- Lenders mortgage insurer
- Helia
- Maximum total lending
- $5m
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
AFG Home Loans - Bright home loans: frequently asked questions
What are AFG Home Loans - Bright home loan rates?
AFG Home Loans - Bright home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.69% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Bright 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 - Bright balance, use /calculators/extra-repayment.
What is the lowest AFG Home Loans - Bright home loan rate?
AFG Home Loans - Bright's lowest variable home loan rate is currently 6.69% p.a., based on the 53 AFG Home Loans - Bright products Ratesniffers ranks by comparison rate, checked daily (last verified 27 Sept 2026). The advertised rate isn't always the rate AFG Home Loans - Bright approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 AFG Home Loans - Bright home loan?
At AFG Home Loans - Bright's lowest variable rate of 6.69% p.a., a $600,000 principal and interest loan over 30 years repays about $3,868 a month, and $500,000 about $3,223. 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 - Bright home loan?
There is no single salary. Like every Australian lender, AFG Home Loans - Bright 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 6.69% p.a. is assessed at about 9.69% 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 - Bright's home loan rate compare to the market?
AFG Home Loans - Bright's lowest variable home loan rate today is 6.69% p.a., which is 50 basis points above the market median of 6.19% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking AFG Home Loans - Bright to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where AFG Home Loans - Bright sits right now rather than a fixed snapshot.
How many home loan products does AFG Home Loans - Bright offer?
Ratesniffers currently tracks 196 AFG Home Loans - Bright home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 53 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.
How often are AFG Home Loans - Bright's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Bright's home loan rates daily; this page was last updated 27 Sept 2026. Rates can change whenever AFG Home Loans - Bright reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.