AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 80% - 90% LVR) Owner Occupied P&I.
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
AFG Home Loans - Retro Home Loan Rates
Tracked products
667
Lowest variable
6.49%
Lowest fixed
—
Lowest comparison
—
Last updated
27 Sept 2026
AFG Home Loans - Retro is one of the Australian home-loan lenders we track daily. We currently surface 667 active products from AFG Home Loans - Retro, 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 - Retro home loan rates?
AFG Home Loans - Retro home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.49% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Retro 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 - Retro home loan rate?
The lowest AFG Home Loans - Retro variable home loan rate Ratesniffers tracks is 6.49% p.a. These figures come from the 50 AFG Home Loans - Retro 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 - Retro offer?
Ratesniffers currently tracks 667 AFG Home Loans - Retro home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 50 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 - Retro home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 6.89% p.a. | 90% |
| Variable Investor interest-only | 6.89% p.a. | 60% |
| Variable Investor interest-only | 6.89% p.a. | 70% |
| Variable Investor P&I | 6.89% p.a. | 80% |
| Variable Owner-occupier P&I | 6.89% p.a. | 90% |
| Variable Owner-occupier P&I | 6.89% p.a. | 90% |
| Variable Investor interest-only | 6.89% p.a. | 60% |
| Variable Investor interest-only | 6.89% p.a. | 70% |
| Variable Investor interest-only | 6.89% p.a. | 60% |
| Variable Investor interest-only | 6.89% p.a. | 70% |
| Variable Investor P&I | 6.89% p.a. | 80% |
| Variable Investor interest-only | 6.89% p.a. | 60% |
50 of 667 tracked AFG Home Loans - Retro home loan products
AFG Home Loans - RetroRetro Home Loan (<$750k <60% LVR) Investment IO. (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
AFG Home Loans - RetroRetro Home Loan (<$750k 60% - 70% LVR) Investment IO. (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan (<$750k 80% - 90% LVR) Owner Occupied P&I.
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2m 80% - 90% LVR) Owner Occupied P&I
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $3m <60% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $3m 60% - 70% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m <60% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 60% - 70% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 70% - 80% LVR) Investment P&I
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan (<$750k <60% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤60%
AFG Home Loans - RetroRetro Home Loan (<$750k 60% - 70% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 60 to 70%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤60%
AFG Home Loans - RetroRetro Lite Owner Occupied ($1.25m - $3m 60% - 70% LVR) P&I
VariableOffsetRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 60 to 70%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤60%
AFG Home Loans - RetroRetro Lite Owner Occupied ($750k - $1.25m 60% - 70% LVR) P&I
VariableOffsetRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 60 to 70%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤60%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 60 to 70%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2.5m 70% - 80% LVR) Investment P&I.
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2.5m 70% - 80% LVR) Investment IO. (1 - 5 years)
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2.5m 70% - 80% LVR) Owner Occupied IO.
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2m 80% - 90% LVR) Investment P&I.
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 80 to 90%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 70% - 80% LVR) Investment IO. (1 - 5 years)
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 70% - 80% LVR) Owner Occupied IO.
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 80% - 90% LVR) Investment P&I.
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 80 to 90%
AFG Home Loans - RetroRetro Home Loan (<$750k 70% - 80% LVR) Investment IO. (1 - 5 years)
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 80 to 90%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2.5m 70% - 80% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 70% - 80% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan (<$750k 70% - 80% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 70 to 80%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤60%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤60%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤60%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 60 to 70%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 60 to 70%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 60 to 70%
AFG Home Loans - RetroRetro Lite Owner Occupied ($750k - $1.25m 70% - 80% LVR) P&I
VariableOffsetRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 80%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2.5m 70% - 80% LVR) Investment IO. (6 - 10 years)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 70% - 80% LVR) Investment IO. (6 - 10 years)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan (<$750k 70% - 80% LVR) Investment IO. (6 - 10 years)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($1.25m - $2.5m 70% - 80% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 70% - 80% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
AFG Home Loans - RetroRetro Home Loan (<$750k 70% - 80% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
AFG Home Loans - RetroRetro Lite Investment ($1.25m - $3m <60% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤60%
AFG Home Loans - RetroRetro Lite Investment ($1.25m - $3m 60% - 70% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 60 to 70%
AFG Home Loans - RetroRetro Lite Investment ($750k - $1.25m <60% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤60%
AFG Home Loans - RetroRetro Lite Investment ($750k - $1.25m 60% - 70% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 60 to 70%
*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 - Retro?
AFG Home Loans Retro is a white-label variable-rate home loan. The AFG Home Loans range is backed on this product by Bendigo and Adelaide Bank and Pepper Money, and lends under Australian Credit Licence 411913.
Retro is positioned as a plain variable loan rather than a packaged one. It carries no monthly, annual or other recurring fees, an optional 100% offset facility with no ongoing service fee and unlimited free transactions, redraw on variable-rate loans, and unlimited additional payments. ATM transaction fees are charged at the point of transaction. No maximum LVR or fixed-rate option is published for Retro.
Who suits a AFG Home Loans - Retro home loan?
Retro tends to suit self-employed borrowers, and others who do not fit traditional lending criteria, who want a straightforward variable loan and will actually use a 100% offset that carries no ongoing service fee. No maximum LVR is published, so confirm the deposit requirement against current terms, and compare the rate against the loans in the table above.
Background facts checked 4 September 2026. Rates above refresh independently.
AFG Home Loans - Retro fees, offset and limits at a glance
- Application or establishment fee
- Where the applicant(s) or guarantor(s) is a Trust entity, an Application fee of $300 applies.…
- Discharge fee
- $485
- Settlement fee
- $495
- Additional valuation fee
- $150
- Offset account
- 100%
- Minimum offset balance
- >0
- Lenders mortgage insurer
- Helia and QBE LMI
- Capitalising LMI
- Will capitalise if LVR acceptable
- Maximum total lending
- Max loan exposure $4m for Retro and Retro Lite
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
AFG Home Loans - Retro home loans: frequently asked questions
What are AFG Home Loans - Retro home loan rates?
AFG Home Loans - Retro home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.49% p.a., checked daily (last verified 27 Sept 2026). Compare AFG Home Loans - Retro 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 - Retro balance, use /calculators/extra-repayment.
What is the lowest AFG Home Loans - Retro home loan rate?
AFG Home Loans - Retro's lowest variable home loan rate is currently 6.49% p.a., based on the 50 AFG Home Loans - Retro products Ratesniffers ranks by comparison rate, checked daily (last verified 27 Sept 2026). The advertised rate isn't always the rate AFG Home Loans - Retro approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 AFG Home Loans - Retro home loan?
At AFG Home Loans - Retro's lowest variable rate of 6.49% p.a., a $600,000 principal and interest loan over 30 years repays about $3,788 a month, and $500,000 about $3,157. 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 - Retro home loan?
There is no single salary. Like every Australian lender, AFG Home Loans - Retro 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 6.49% p.a. is assessed at about 9.49% 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 - Retro's home loan rate compare to the market?
AFG Home Loans - Retro's lowest variable home loan rate today is 6.49% p.a., which is 30 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 - Retro 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 - Retro sits right now rather than a fixed snapshot.
How many home loan products does AFG Home Loans - Retro offer?
Ratesniffers currently tracks 667 AFG Home Loans - Retro home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 50 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 - Retro's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Retro's home loan rates daily; this page was last updated 27 Sept 2026. Rates can change whenever AFG Home Loans - Retro reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.