AFG Home Loans - OptionsOptions Prime Full Doc (<55% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤55%
AFG Home Loans - Options Home Loan Rates
Tracked products
1726
Lowest variable
6.74%
Lowest fixed
7.24%
Lowest comparison
—
Last updated
27 Sept 2026
AFG Home Loans - Options is one of the Australian home-loan lenders we track daily. We currently surface 1726 active products from AFG Home Loans - Options, 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 - Options home loan rates?
AFG Home Loans - Options home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.74% p.a. and the lowest fixed rate currently 7.24% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Options 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 - Options home loan rate?
The lowest AFG Home Loans - Options variable home loan rate Ratesniffers tracks is 6.74% p.a., and the lowest fixed rate is 7.24% p.a. These figures come from the 60 AFG Home Loans - Options 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 - Options offer?
Ratesniffers currently tracks 1726 AFG Home Loans - Options 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.
Another specialist lender worth comparing for an application the major banks decline is Liberty, which has been assessing non-standard files since 1997.
AFG Home Loans - Options home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 6.74% p.a. | 55% |
| Variable Owner-occupier P&I | 6.74% p.a. | 65% |
| Variable Investor P&I | 6.94% p.a. | 55% |
| Variable Investor P&I | 6.94% p.a. | 65% |
| Variable Owner-occupier P&I | 6.94% p.a. | 55% |
| Variable Owner-occupier P&I | 6.94% p.a. | 55% |
| Variable Owner-occupier P&I | 6.94% p.a. | 55% |
| Variable Owner-occupier P&I | 6.94% p.a. | 55% |
| Variable Owner-occupier P&I | 6.94% p.a. | 55% |
| Variable Owner-occupier P&I | 6.94% p.a. | 55% |
| Variable Owner-occupier P&I | 6.99% p.a. | 70% |
| Variable Owner-occupier interest-only | 7.04% p.a. | 55% |
60 of 1726 tracked AFG Home Loans - Options home loan products
AFG Home Loans - OptionsOptions Prime Full Doc (55% - 65% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 55 to 65%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc (55% - 65% LVR <$2.5m) Investment P&I
VariableOffsetRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (<55% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (<55% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (<55% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (<55% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (<55% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (<55% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc (65% - 70% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Full Doc (<55% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc (55% - 65% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (55% - 65% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (65% - 70% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Full Doc (70% - 75% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc (<55% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (<55% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (<55% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (<55% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤55%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc (70% - 75% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (<55% LVR <$2.5m) Investment P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (70% - 75% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (75% - 80% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (<55% LVR <$2.5m) Investment P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (70% - 75% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (75% - 80% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (<55% LVR <$2.5m) Investment P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (70% - 75% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (75% - 80% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (<55% LVR <$2.5m) Investment P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (70% - 75% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (75% - 80% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (<55% LVR <$2.5m) Investment P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (70% - 75% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (75% - 80% LVR <$2.5m) Owner Occupied P&I
Variable
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Full Doc (65% - 70% LVR <$2.5m) Investment P&I
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc (55% - 65% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (65% - 70% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied IO
Variable
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 65 to 70%
AFG Home Loans - OptionsOptions Near Prime Clear Full Doc (<55% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤55%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤55%
*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 - Options home loan repayment calculator
Pre-filled with AFG Home Loans - Options's lowest advertised variable rate in the table above, 6.74% 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 - Options's lowest variable today: 6.74%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,240
Fortnightly repayment
$1,495
Total interest
$666,280
30 years at 6.74% (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 - Options?
AFG Home Loans Options is a white-label specialist home loan funded by Pepper Money Limited ACN 094 317 665, with servicing by Pepper Finance Corporation Ltd. The AFG Home Loans range lends under Australian Credit Licence 411913.
Options exists for applications the major banks decline. It is published for five cases: applicants who do not meet lenders mortgage insurance requirements, those using alternative forms of income documentation, those without a favourable credit history, those wanting larger loan amounts than usual, and those using a gifted deposit. It lends up to 95% of property value on some loans in the range, not across all of it.
Who suits a AFG Home Loans - Options home loan?
Options tends to suit borrowers who need an approval a bank will not give: a thin or impaired credit file, self-employed income documented outside standard payslips, or a gifted deposit. Specialist pricing costs more than bank pricing, so the usual play is approval now and a refinance later once the file is clean. The 95% figure applies only to some loans in the range, so confirm it for the specific product before relying on it.
Background facts checked 4 September 2026. Rates above refresh independently.
AFG Home Loans - Options fees, offset and limits at a glance
- Application or establishment fee
- Up to $995
- Discharge fee
- $500
- Settlement fee
- $0
- Additional valuation fee
- $275
- Loan portability
- Yes
- Capitalising LMI
- Max LVR is inclusive of Lender Protection Fee
- Maximum total lending
- $2.5m on Prime and $4m on Near Prime/Specialist
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
AFG Home Loans - Options home loans: frequently asked questions
What are AFG Home Loans - Options home loan rates?
AFG Home Loans - Options home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.74% p.a., and the lowest fixed rate is 7.24% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Options 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 - Options balance, use /calculators/extra-repayment.
What is the lowest AFG Home Loans - Options home loan rate?
AFG Home Loans - Options's lowest variable home loan rate is currently 6.74% p.a., and its lowest fixed rate is 7.24% p.a., based on the 60 AFG Home Loans - Options products Ratesniffers ranks by comparison rate, checked daily (last verified 27 Sept 2026). The advertised rate isn't always the rate AFG Home Loans - Options approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 AFG Home Loans - Options home loan?
At AFG Home Loans - Options's lowest variable rate of 6.74% p.a., a $600,000 principal and interest loan over 30 years repays about $3,888 a month, and $500,000 about $3,240. 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 - Options home loan?
There is no single salary. Like every Australian lender, AFG Home Loans - Options 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 6.74% p.a. is assessed at about 9.74% 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 - Options's home loan rate compare to the market?
AFG Home Loans - Options's lowest variable home loan rate today is 6.74% p.a., which is 55 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 - Options 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 - Options sits right now rather than a fixed snapshot.
How many home loan products does AFG Home Loans - Options offer?
Ratesniffers currently tracks 1726 AFG Home Loans - Options 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.
How often are AFG Home Loans - Options's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Options's home loan rates daily; this page was last updated 27 Sept 2026. Rates can change whenever AFG Home Loans - Options reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.