AFG Home Loans - Options Home Loan Rates
AFG Home Loans - Options lifted its variable home-loan rates by 0.25 percentage points from 9 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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?
Ratesniffers compares AFG Home Loans - Options home loan products by comparison rate. Compare AFG Home Loans - Options's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.
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. 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.
1726 AFG Home Loans - Options 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 - 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 9 Nov 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.