AFG Home Loans - OptionsOptions Prime Full Doc 3 Year Fixed (75% - 80% LVR <$2.5m) Owner Occupied P&I
3y Fixed
Interest
7.94%p.a.
Comparison*
7.67%p.a.
Est. repayment
$3,648
LVR 75 to 80%
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.
Tracked products
1726
Variable product example
7.59%
A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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
7.74%
A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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
13 November 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?
Ratesniffers compares AFG Home Loans - Options home loan products by comparison rate. A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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 - 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?
A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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 - 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 | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 3-year Owner-occupier P&I | 7.94% p.a. | 7.67% p.a. | 80% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 55% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 65% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 65% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 65% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 65% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 65% |
| Variable Owner-occupier P&I | 7.74% p.a. | 7.97% p.a. | 65% |
| Variable Investor P&I | 7.84% p.a. | 7.99% p.a. | 75% |
| Variable Investor P&I | 7.84% p.a. | 7.99% p.a. | 80% |
| Variable Investor P&I | 7.84% p.a. | 7.99% p.a. | 75% |
| Variable Investor P&I | 7.84% p.a. | 7.99% p.a. | 80% |
60 of 1726 tracked AFG Home Loans - Options home loan products
AFG Home Loans - OptionsOptions Near Prime Clear Full Doc (<55% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR ≤55%
AFG Home Loans - OptionsOptions Near Prime Clear 10 Year Fixed Full Doc (55%-65% LVR) Owner Occupied P&I
Variable
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
AFG Home Loans - OptionsOptions Near Prime Clear 2 Year Fixed Full Doc (55%-65% LVR) Owner Occupied P&I
Variable
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
AFG Home Loans - OptionsOptions Near Prime Clear 3 Year Fixed Full Doc (55%-65% LVR) Owner Occupied P&I
Variable
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
AFG Home Loans - OptionsOptions Near Prime Clear 5 Year Fixed Full Doc (55%-65% LVR) Owner Occupied P&I
Variable
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
AFG Home Loans - OptionsOptions Near Prime Clear 7 Year Fixed Full Doc (55%-65% LVR) Owner Occupied P&I
Variable
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
AFG Home Loans - OptionsOptions Near Prime Clear Full Doc (55%-65% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (70% - 75% LVR <$2.5m) Investment P&I
VariableOffsetRedraw
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc (75% - 80% LVR <$2.5m) Investment P&I
VariableOffsetRedraw
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (70% - 75% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 10 Year Fixed (75% - 80% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (70% - 75% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (75% - 80% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (70% - 75% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (75% - 80% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (70% - 75% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (75% - 80% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (70% - 75% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Lite Doc 7 Year Fixed (75% - 80% LVR <$2.5m) Investment P&I
Variable
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Full Doc (65% - 70% LVR <$2.5m) Investment IO
VariableOffsetRedraw
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
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 - OptionsOptions Near Prime Clear 2 Year Fixed Full Doc (<55% LVR) Owner Occupied P&I
2y Fixed
Interest
7.99%p.a.
Comparison*
7.83%p.a.
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤55%
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 - OptionsOptions Prime Full Doc 2 Year Fixed (55% - 65% LVR <$2.5m) Investment IO
2y Fixed
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 55 to 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 - OptionsOptions Prime Full Doc 5 Year Fixed (<55% LVR <$2.5m) Investment P&I
5y Fixed
Interest
7.99%p.a.
Comparison*
7.71%p.a.
Est. repayment
$3,665
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc 5 Year Fixed (55% - 65% LVR <$2.5m) Investment P&I
5y Fixed
Interest
7.99%p.a.
Comparison*
7.71%p.a.
Est. repayment
$3,665
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Full Doc 7 Year Fixed (<55% LVR <$2.5m) Owner Occupied P&I
7y Fixed
Interest
7.99%p.a.
Comparison*
7.73%p.a.
Est. repayment
$3,665
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc 7 Year Fixed (55% - 65% LVR <$2.5m) Owner Occupied P&I
7y Fixed
Interest
7.99%p.a.
Comparison*
7.73%p.a.
Est. repayment
$3,665
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (70% - 75% LVR <$2.5m) Investment IO
VariableOffsetRedraw
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.
AFG Home Loans - OptionsOptions Prime Lite Doc (75% - 80% LVR <$2.5m) Investment IO
VariableOffsetRedraw
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.
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (70% - 75% LVR <$2.5m) Investment IO
Variable
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.
AFG Home Loans - OptionsOptions Prime Lite Doc 2 Year Fixed (75% - 80% LVR <$2.5m) Investment IO
Variable
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.
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (70% - 75% LVR <$2.5m) Investment IO
Variable
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.
AFG Home Loans - OptionsOptions Prime Lite Doc 3 Year Fixed (75% - 80% LVR <$2.5m) Investment IO
Variable
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.
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (70% - 75% LVR <$2.5m) Investment IO
Variable
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.
AFG Home Loans - OptionsOptions Prime Lite Doc 5 Year Fixed (75% - 80% LVR <$2.5m) Investment IO
Variable
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.
AFG Home Loans - OptionsOptions Near Prime Clear Full Doc (<55% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR ≤55%
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 - OptionsOptions Prime Full Doc (<55% LVR <$3m) Owner Occupied IO
VariableOffsetRedraw
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR ≤55%
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 - OptionsOptions Prime Full Doc 2 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied IO
2y Fixed
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
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 - OptionsOptions Prime Full Doc 2 Year Fixed (70% - 75% LVR <$2.5m) Investment P&I
2y Fixed
Interest
8.04%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,683
LVR 70 to 75%
AFG Home Loans - OptionsOptions Prime Full Doc 2 Year Fixed (75% - 80% LVR <$2.5m) Investment P&I
2y Fixed
Interest
8.04%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,683
LVR 75 to 80%
AFG Home Loans - OptionsOptions Prime Full Doc 3 Year Fixed (65% - 70% LVR <$2.5m) Investment P&I
3y Fixed
Interest
8.04%p.a.
Comparison*
7.77%p.a.
Est. repayment
$3,683
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Full Doc 5 Year Fixed (65% - 70% LVR <$2.5m) Owner Occupied P&I
5y Fixed
Interest
8.04%p.a.
Comparison*
7.76%p.a.
Est. repayment
$3,683
LVR 65 to 70%
AFG Home Loans - OptionsOptions Prime Full Doc (55% - 65% LVR <$3m) Owner Occupied IO
VariableOffsetRedraw
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR 55 to 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 - OptionsOptions Near Prime Clear 2 Year Fixed Full Doc (55%-65% LVR) Owner Occupied IO
Variable
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR 55 to 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 - OptionsOptions Near Prime Clear 3 Year Fixed Full Doc (55%-65% LVR) Owner Occupied IO
Variable
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR 55 to 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 - OptionsOptions Near Prime Clear 5 Year Fixed Full Doc (55%-65% LVR) Owner Occupied IO
Variable
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR 55 to 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 - OptionsOptions Near Prime Clear Full Doc (55%-65% LVR <$2.5m) Owner Occupied IO
VariableOffsetRedraw
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR 55 to 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 - OptionsOptions Near Prime Clear 10 Year Fixed Full Doc (65%-70% LVR) Owner Occupied P&I
Variable
Interest
7.84%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,613
LVR 65 to 70%
AFG Home Loans - OptionsOptions Near Prime Clear 2 Year Fixed Full Doc (65%-70% LVR) Owner Occupied P&I
Variable
Interest
7.84%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,613
LVR 65 to 70%
AFG Home Loans - OptionsOptions Near Prime Clear 3 Year Fixed Full Doc (65%-70% LVR) Owner Occupied P&I
Variable
Interest
7.84%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,613
LVR 65 to 70%
AFG Home Loans - OptionsOptions Near Prime Clear 5 Year Fixed Full Doc (65%-70% LVR) Owner Occupied P&I
Variable
Interest
7.84%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,613
LVR 65 to 70%
AFG Home Loans - OptionsOptions Near Prime Clear 7 Year Fixed Full Doc (65%-70% LVR) Owner Occupied P&I
Variable
Interest
7.84%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,613
LVR 65 to 70%
AFG Home Loans - OptionsOptions Near Prime Clear Full Doc (65%-70% LVR <$2.5m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.84%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,613
LVR 65 to 70%
Interest
7.94%p.a.
Comparison*
8.09%p.a.
Est. repayment
$3,648
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc (55% - 65% LVR <$3m) Investment P&I
VariableOffsetRedraw
Interest
7.94%p.a.
Comparison*
8.09%p.a.
Est. repayment
$3,648
LVR 55 to 65%
AFG Home Loans - OptionsOptions Prime Lite Doc (<55% LVR <$3m) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.94%p.a.
Comparison*
8.09%p.a.
Est. repayment
$3,648
LVR ≤55%
AFG Home Loans - OptionsOptions Prime Full Doc (70% - 75% LVR <$2.5m) Investment IO
VariableOffsetRedraw
Interest
8.09%p.a.
Comparison*
Not available
Est. interest only / month
$3,371
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 - OptionsOptions Prime Full Doc (75% - 80% LVR <$2.5m) Investment IO
VariableOffsetRedraw
Interest
8.09%p.a.
Comparison*
Not available
Est. interest only / month
$3,371
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 - OptionsOptions Near Prime Clear 3 Year Fixed Full Doc (<55% LVR) Owner Occupied P&I
3y Fixed
Interest
8.09%p.a.
Comparison*
7.90%p.a.
Est. repayment
$3,700
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.
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.
AFG Home Loans - Options home loans: frequently asked questions
What are AFG Home Loans - Options home loan rates?
Ratesniffers compares AFG Home Loans - Options home loan products by comparison rate. A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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 - Options 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 - Options home loan rate?
A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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 - Options home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $4,232 a month before fees. The selected source example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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 - Options home loan?
There is no single salary requirement for a AFG Home Loans - Options 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 - Options'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 - Options's home loan rate compare to the market?
A verified AFG Home Loans - Options product example is Options Prime Full Doc (75% - 80% LVR <$2.5m) Owner Occupied P&I: 7.59% p.a. (7.74% 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 - 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.
Is AFG Home Loans - Options competitive for refinancing?
Compare AFG Home Loans - Options'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 - Options's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Options's home loan rates daily; this page was last updated 13 November 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.