AFG Home Loans - RetroRetro Versa ($750k - $1.25m 60% - 70% LVR) Owner Occupied P&I.
VariableOffsetRedraw
Interest
7.58%p.a.
Comparison*
7.87%p.a.
Est. repayment
$3,524
LVR 60 to 70%
AFG Home Loans - Retro Home Loan Rates
AFG Home Loans - Retro lifted its variable home-loan rates by 0.25 percentage points from 8 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
667
Variable product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Example comparison rate
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Last updated
13 November 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?
Ratesniffers compares AFG Home Loans - Retro home loan products by comparison rate. Compare AFG Home Loans - Retro's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.
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 39 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 | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 7.58% p.a. | 7.87% p.a. | 70% |
| Variable Owner-occupier P&I | 7.58% p.a. | 7.87% p.a. | 70% |
| Variable Investor P&I | 7.59% p.a. | 7.88% p.a. | 60% |
| Variable Investor P&I | 7.59% p.a. | 7.88% p.a. | 60% |
| Variable Investor P&I | 7.59% p.a. | 7.88% p.a. | 60% |
| Variable Investor interest-only | 7.88% p.a. | n/a | 70% |
| Variable Owner-occupier interest-only | 7.88% p.a. | n/a | 70% |
| Variable Investor interest-only | 7.88% p.a. | n/a | 70% |
| Variable Owner-occupier interest-only | 7.88% p.a. | n/a | 70% |
| Variable Investor interest-only | 7.89% p.a. | n/a | 80% |
| Variable Investor interest-only | 7.89% p.a. | n/a | 80% |
| Variable Investor interest-only | 7.91% p.a. | n/a | 90% |
39 of 667 tracked AFG Home Loans - Retro home loan products
Interest
7.58%p.a.
Comparison*
7.87%p.a.
Est. repayment
$3,524
LVR 60 to 70%
Interest
7.59%p.a.
Comparison*
7.88%p.a.
Est. repayment
$3,527
LVR ≤60%
Interest
7.59%p.a.
Comparison*
7.88%p.a.
Est. repayment
$3,527
LVR ≤60%
Interest
7.59%p.a.
Comparison*
7.88%p.a.
Est. repayment
$3,527
LVR ≤60%
AFG Home Loans - RetroRetro Versa ($750k - $1.25m 60% - 70% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 60 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 - RetroRetro Versa ($750k - $1.25m 60% - 70% LVR) Owner Occupied IO
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 60 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 - RetroRetro Versa (<$750k 60% - 70% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 60 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
7.88%p.a.
Comparison*
Not available
Est. interest only / month
$3,283
LVR 60 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 - RetroRetro Lite Investment ($750k - $1.25m 70% - 80% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.89%p.a.
Comparison*
Not available
Est. interest only / month
$3,288
LVR 70 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 - RetroRetro Lite Investment (<$750k 70% - 80% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.89%p.a.
Comparison*
Not available
Est. interest only / month
$3,288
LVR 70 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 - RetroRetro Home Loan ($1.25m - $2m 80% - 90% LVR) Investment IO.
VariableOffsetRedraw
Interest
7.91%p.a.
Comparison*
Not available
Est. interest only / month
$3,296
LVR 80 to 90%
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 - RetroRetro Home Loan ($750k - $1.25m 80% - 90% LVR) Investment IO.
VariableOffsetRedraw
Interest
7.91%p.a.
Comparison*
Not available
Est. interest only / month
$3,296
LVR 80 to 90%
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
7.91%p.a.
Comparison*
Not available
Est. interest only / month
$3,296
LVR 80 to 90%
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
7.64%p.a.
Comparison*
7.93%p.a.
Est. repayment
$3,544
LVR 60 to 70%
Interest
7.64%p.a.
Comparison*
7.93%p.a.
Est. repayment
$3,544
LVR 60 to 70%
Interest
7.64%p.a.
Comparison*
7.93%p.a.
Est. repayment
$3,544
LVR 60 to 70%
AFG Home Loans - RetroRetro Lite Owner Occupied ($750k - $1.25m 70% - 80% LVR) P&I
VariableOffsetRedraw
Interest
7.64%p.a.
Comparison*
7.93%p.a.
Est. repayment
$3,544
LVR 70 to 80%
Interest
7.64%p.a.
Comparison*
7.93%p.a.
Est. repayment
$3,544
LVR 70 to 80%
AFG Home Loans - RetroRetro Lite Owner Occupied ($750k - $1.25m 70% - 80% LVR) IO
VariableOffsetRedraw
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR 70 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.
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR 70 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.
Interest
7.66%p.a.
Comparison*
7.95%p.a.
Est. repayment
$3,551
LVR ≤60%
AFG Home Loans - RetroRetro Versa ($1.25m - $2m <60% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.96%p.a.
Comparison*
Not available
Est. interest only / month
$3,317
LVR ≤60%
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 - RetroRetro Versa ($750k - $1.25m 70% - 80% LVR) Owner Occupied P&I
VariableOffsetRedraw
Interest
7.68%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,558
LVR 70 to 80%
Interest
7.68%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,558
LVR 70 to 80%
AFG Home Loans - RetroRetro Versa ($750k - $1.25m 60% - 70% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.98%p.a.
Comparison*
Not available
Est. interest only / month
$3,325
LVR 60 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 - RetroRetro Versa ($750k - $1.25m 70% - 80% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.98%p.a.
Comparison*
Not available
Est. interest only / month
$3,325
LVR 70 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 - RetroRetro Versa (<$750k 60% - 70% LVR) Investment IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.98%p.a.
Comparison*
Not available
Est. interest only / month
$3,325
LVR 60 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 - RetroRetro Versa (<$750k 70% - 80% LVR) Investment IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.98%p.a.
Comparison*
Not available
Est. interest only / month
$3,325
LVR 70 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 - RetroRetro Lite Investment ($1.25m - $2.5m 70% - 80% LVR) IO (1 - 5 years)
VariableOffsetRedraw
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 70 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 - RetroRetro Lite Investment ($750k - $1.25m 70% - 80% LVR) IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 70 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 - RetroRetro Lite Investment (<$750k 70% - 80% LVR) IO (6 - 10 years)
VariableOffsetRedraw
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR 70 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 - RetroRetro Home Loan ($1.25m - $2m 90% - 95% LVR) Investment P&I.
VariableOffsetRedraw
Interest
8.00%p.a.
Comparison*
Not available
Est. repayment
$3,669
LVR 90 to 95%
AFG Home Loans - RetroRetro Home Loan ($750k - $1.25m 90% - 95% LVR) Investment P&I.
VariableOffsetRedraw
Interest
8.00%p.a.
Comparison*
Not available
Est. repayment
$3,669
LVR 90 to 95%
Interest
8.00%p.a.
Comparison*
Not available
Est. repayment
$3,669
LVR 90 to 95%
AFG Home Loans - RetroRetro Lite Owner Occupied ($1.25m - $2.5m 70% - 80% LVR) P&I
VariableOffsetRedraw
Interest
7.74%p.a.
Comparison*
8.03%p.a.
Est. repayment
$3,579
LVR 70 to 80%
Interest
8.03%p.a.
Comparison*
Not available
Est. interest only / month
$3,346
LVR ≤60%
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
7.76%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,586
LVR ≤60%
Interest
7.76%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,586
LVR ≤60%
*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 9 Nov 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?
Ratesniffers compares AFG Home Loans - Retro home loan products by comparison rate. Compare AFG Home Loans - Retro's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare AFG Home Loans - Retro 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.
How much do you need to earn for a $500,000 AFG Home Loans - Retro home loan?
There is no single salary requirement for a AFG Home Loans - Retro 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 - Retro'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 - Retro's home loan rate compare to the market?
Compare AFG Home Loans - Retro's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
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 39 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 - Retro competitive for refinancing?
Compare AFG Home Loans - Retro'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 - Retro's home loan rates updated?
Ratesniffers refreshes AFG Home Loans - Retro's home loan rates daily; this page was last updated 13 November 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.