Interest
6.74%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,240
LVR ≤70%
AFG Home Loans - Bright Home Loan Rates
AFG Home Loans - Bright 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.
Tracked products
196
Variable product example
6.84%
A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Variable example comparison
7.00%
A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
12 November 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?
Ratesniffers compares AFG Home Loans - Bright home loan products by comparison rate. A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
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 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 - Bright home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.74% p.a. | 6.90% p.a. | 70% |
| Variable Owner-occupier interest-only | 6.94% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 6.84% p.a. | 7.00% p.a. | 75% |
| Variable Owner-occupier P&I | 6.84% p.a. | 7.00% p.a. | 80% |
| Variable Investor P&I | 6.99% p.a. | 7.15% p.a. | 70% |
| Variable Investor interest-only | 7.19% p.a. | n/a | 70% |
| Variable Owner-occupier interest-only | 7.24% p.a. | n/a | 65% |
| Variable Owner-occupier interest-only | 7.24% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 7.09% p.a. | 7.30% p.a. | 65% |
| Variable Owner-occupier P&I | 7.09% p.a. | 7.30% p.a. | 70% |
| Variable Owner-occupier P&I | 7.24% p.a. | 7.39% p.a. | 70% |
| Variable Investor interest-only | 7.39% p.a. | n/a | 65% |
60 of 196 tracked AFG Home Loans - Bright home loan products
Interest
6.94%p.a.
Comparison*
Not available
Est. interest only / month
$2,892
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,273
LVR 70 to 75%
Interest
6.84%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,273
LVR 75 to 80%
Interest
6.99%p.a.
Comparison*
7.15%p.a.
Est. repayment
$3,323
LVR ≤70%
Interest
7.19%p.a.
Comparison*
Not available
Est. interest only / month
$2,996
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.24%p.a.
Comparison*
Not available
Est. interest only / month
$3,017
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR <$2.5m IO
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. interest only / month
$3,017
LVR 65 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.09%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,357
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR <$2.5m P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,357
LVR 65 to 70%
Interest
7.24%p.a.
Comparison*
7.39%p.a.
Est. repayment
$3,407
LVR ≤70%
Interest
7.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,079
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,079
LVR 65 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.29%p.a.
Comparison*
7.44%p.a.
Est. repayment
$3,424
LVR 70 to 75%
Interest
7.29%p.a.
Comparison*
7.44%p.a.
Est. repayment
$3,424
LVR 75 to 80%
Interest
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.29%p.a.
Comparison*
7.49%p.a.
Est. repayment
$3,424
LVR ≤65%
Interest
7.29%p.a.
Comparison*
7.49%p.a.
Est. repayment
$3,424
LVR 65 to 70%
AFG Home Loans - BrightEmpower Prime Owner Occupied 70% - 75% LVR $2.5m - $3m P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.49%p.a.
Est. repayment
$3,441
LVR 70 to 75%
AFG Home Loans - BrightEmpower Prime Owner Occupied 75% - 80% LVR $2.5m - $3m P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.49%p.a.
Est. repayment
$3,441
LVR 75 to 80%
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
LVR 70 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 70% - 75% LVR <$2.5m P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,441
LVR 70 to 75%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 75% - 80% LVR <$2.5m P&I
VariableOffsetRedraw
Interest
7.34%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,441
LVR 75 to 80%
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
LVR 70 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.48%p.a.
Comparison*
7.63%p.a.
Est. repayment
$3,489
LVR ≤70%
Interest
7.44%p.a.
Comparison*
7.64%p.a.
Est. repayment
$3,476
LVR 70 to 75%
Interest
7.44%p.a.
Comparison*
7.64%p.a.
Est. repayment
$3,476
LVR 75 to 80%
Interest
7.49%p.a.
Comparison*
7.64%p.a.
Est. repayment
$3,493
LVR ≤70%
Interest
7.69%p.a.
Comparison*
Not available
Est. interest only / month
$3,204
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.24%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,407
LVR ≤70%
Interest
7.74%p.a.
Comparison*
Not available
Est. interest only / month
$3,225
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied <65% LVR $2.5m - $3.5m IO
VariableOffsetRedraw
Interest
7.74%p.a.
Comparison*
Not available
Est. interest only / month
$3,225
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR $2.5m - $3.5m IO
VariableOffsetRedraw
Interest
7.74%p.a.
Comparison*
Not available
Est. interest only / month
$3,225
LVR 65 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied <65% LVR $2.5m - $3.5m P&I
VariableOffsetRedraw
Interest
7.59%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,527
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Owner Occupied 65% - 70% LVR $2.5m - $3.5m P&I
VariableOffsetRedraw
Interest
7.59%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,527
LVR 65 to 70%
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightEvergreen Non-Resident Investment 65% - 70% LVR <$1.5m IO
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 65 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 70 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightEvergreen Non-Resident Owner Occupied 65% - 70% LVR <$1.5m IO
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 65 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightEvergreen Non-Resident Owner Occupied 70% - 75% LVR <$1m IO
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 70 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightEvergreen Non-Resident Owner Occupied 75% - 80% LVR <$1m IO
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.74%p.a.
Comparison*
7.89%p.a.
Est. repayment
$3,579
LVR ≤65%
Interest
7.89%p.a.
Comparison*
Not available
Est. interest only / month
$3,288
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
AFG Home Loans - BrightBoss Prime Alt Doc Investment 65% - 70% LVR $2.5m - $3.5m IO
VariableOffsetRedraw
Interest
7.89%p.a.
Comparison*
Not available
Est. interest only / month
$3,288
LVR 65 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.44%p.a.
Comparison*
7.93%p.a.
Est. repayment
$3,476
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
7.94%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
7.94%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR 70 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.83%p.a.
Comparison*
7.98%p.a.
Est. repayment
$3,610
LVR ≤70%
Interest
7.79%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,596
LVR ≤65%
AFG Home Loans - BrightBoss Prime Alt Doc Investment 65% - 70% LVR $2.5m - $3.5m P&I
VariableOffsetRedraw
Interest
7.79%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,596
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 70 to 75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 75 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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
The starting interest input uses this selected AFG Home Loans - Bright product example: Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
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 amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
$3,273
Fortnightly repayment
$1,511
Total interest
$678,265
30 years at 6.84% (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 9 Nov 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?
Ratesniffers compares AFG Home Loans - Bright home loan products by comparison rate. A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. Compare AFG Home Loans - Bright 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.
What is the lowest AFG Home Loans - Bright home loan rate?
A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 AFG Home Loans - Bright home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,928 a month before fees. The selected source example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 AFG Home Loans - Bright home loan?
There is no single salary requirement for a AFG Home Loans - Bright 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 - Bright'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 - Bright's home loan rate compare to the market?
A verified AFG Home Loans - Bright product example is Empower Prime Owner Occupied 75% - 80% LVR <$2.5m P&I: 6.84% p.a. (7.00% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 75% to 80%), as of 9 November 2026. Across 26 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 9 November 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
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 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 - Bright competitive for refinancing?
Compare AFG Home Loans - Bright'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 - Bright's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Bright's home loan rates daily; this page was last updated 12 November 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.