Interest
6.29%p.a.
Comparison*
6.63%p.a.
Est. repayment
$3,092
LVR 70 to 90%
Horizon Bank Home Loan Rates
Tracked products
31
Lowest variable
—
Lowest fixed
6.29%
Lowest comparison
6.63%
Last updated
30 Aug 2026
Horizon Bank is one of the Australian home-loan lenders we track daily. We currently surface 31 active products from Horizon Bank, 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 Horizon Bank home loan rates?
Horizon Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest fixed rate currently 6.29% p.a., last verified 30 Aug 2026. Compare Horizon Bank 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 Horizon Bank home loan rate?
The lowest Horizon Bank lowest fixed rate is 6.29% p.a. These figures come from the 4 Horizon Bank products on this page that pass data-quality checks, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Horizon Bank offer?
Ratesniffers currently tracks 31 Horizon Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 4 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.
Two other customer-owned mutuals price sharply in regional New South Wales: New England's Regional Australia Bank and the Northern Rivers' Summerland Bank, both worth comparing alongside Horizon Bank above.
Horizon Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 3-year Owner-occupier P&I | 6.29% p.a. | 6.63% p.a. | 90% |
| Fixed 3-year Owner-occupier interest-only | 6.49% p.a. | 6.83% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.54% p.a. | 6.88% p.a. | 90% |
| Fixed 3-year Investor interest-only | 6.74% p.a. | 7.08% p.a. | 90% |
4 of 31 tracked Horizon Bank home loan products
Interest
6.49%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,157
LVR 70 to 90%
Interest
6.54%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,174
LVR 70 to 90%
Interest
6.74%p.a.
Comparison*
7.08%p.a.
Est. repayment
$3,240
LVR 70 to 90%
*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 Horizon Bank?
Horizon Bank is a customer-owned bank serving the Illawarra and the NSW South Coast since 1964, when it began as a credit union for Illawarra County Council employees in Wollongong. It remains the only banking institution truly based on the South Coast, and grew again in 2021 when Lysaght Credit Union merged in.
Despite its small size it regularly posts some of the sharpest owner-occupier variable rates in the country, and has appeared at or near the top of the Ratesniffers leaderboard.
Who suits a Horizon Bank home loan?
Horizon Bank tends to suit rate-driven borrowers happy to bank with a small regional mutual, and South Coast locals who want branches from Wollongong down the coast. Membership is open beyond the region, so if its rate is leading our table above it deserves a serious look regardless of where you live.
Background facts checked 21 July 2026. Rates above refresh independently.
Horizon Bank home loans: frequently asked questions
What are Horizon Bank home loan rates?
Horizon Bank home loan rates are in the live table on this page. The lowest fixed rate Ratesniffers ranks is currently 6.29% p.a., last verified 30 Aug 2026. Compare Horizon Bank 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 Horizon Bank balance, use /calculators/extra-repayment.
What is the lowest Horizon Bank home loan rate?
Horizon Bank's lowest fixed home loan rate is currently 6.29% p.a., based on the 4 Horizon Bank products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate Horizon Bank approves, a broker can often negotiate a sharper deal on your scenario.
How many home loan products does Horizon Bank offer?
Ratesniffers currently tracks 31 Horizon Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 4 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 loans sit at the top.
Is Horizon Bank competitive for refinancing?
It depends on your loan size and LVR. Horizon Bank's lowest comparison rate is currently 6.63% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Horizon Bank against the sharpest available rate usually pays off.
How often are Horizon Bank's home loan rates updated?
Ratesniffers last verified Horizon Bank's home loan rates on 30 Aug 2026. Rates can change whenever Horizon Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.