Interest
6.74%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,240
LVR ≤70%
AFG Home Loans - Bright · Refinance · Updated November 2026
AFG Home Loans - Bright Refinance Home Loans, November 2026
AFG Home Loans - Bright lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.74% p.a. (comparison rate 6.90% p.a.), on Empower Prime Owner Occupied <70% LVR <$2.5m P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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AFG Home Loans - Bright refinance home loan rates, November 2026
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
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
7.44%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.
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%
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
7.48%p.a.
Comparison*
7.63%p.a.
Est. repayment
$3,489
LVR ≤70%
Interest
7.24%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,407
LVR ≤70%
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 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.
*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 · Refinance
AFG Home Loans - Bright refinance home loans, what to weigh
AFG Home Loans - Bright's refinance-eligible products. Compare against your existing rate plus exit costs. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every refinance option has the same price.
See also AFG Home Loans - Bright's full product range, repayment calculator, and refinance savings calculator.