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Horizon Bank Home Loan Rates

Active products
28
Lowest variable
5.89%
Lowest fixed
6.19%
Lowest comparison
5.89%
Last updated
16 July 2026

Horizon Bank is one of the Australian home-loan lenders we track daily. We currently surface 28 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 is the lowest Horizon Bank home loan rate?

The lowest Horizon Bank variable home loan rate Ratesniffers tracks is 5.89% p.a., and the lowest fixed rate is 6.19% p.a. These figures come from the 26 Horizon Bank products on this page, ranked by comparison rate, last verified 16 July 2026.

How many home loan products does Horizon Bank offer?

Ratesniffers currently tracks 26 Horizon Bank 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.

Horizon Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I5.89% p.a.5.89% p.a.90%
Variable Owner-occupier interest-only6.09% p.a.6.09% p.a.90%
Variable Investor P&I6.14% p.a.6.14% p.a.90%
Variable Investor interest-only6.34% p.a.6.34% p.a.90%
Fixed 3-year Owner-occupier P&I6.29% p.a.6.63% p.a.90%
Fixed 2-year Owner-occupier P&I6.29% p.a.6.66% p.a.90%
Fixed 5-year Owner-occupier P&I6.49% p.a.6.66% p.a.90%
Fixed 1-year Owner-occupier P&I6.19% p.a.6.68% p.a.90%
Discount Owner-occupier P&I6.04% p.a.6.74% p.a.90%
Fixed 3-year Owner-occupier interest-only6.49% p.a.6.83% p.a.90%
Fixed 2-year Owner-occupier interest-only6.49% p.a.6.86% p.a.90%
Variable Owner-occupier P&I6.64% p.a.6.86% p.a.90%

26 Horizon Bank home loan products

Horizon Bank logo
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
Verify, 68d old
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
More details
Horizon Bank logo
2 Year Fixed Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Verify, 68d old
Comparison*
6.66%p.a.
Monthly repayment
$3,092
LVR 70–90%
More details
Horizon Bank logo
5 Year Fixed Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Verify, 68d old
Comparison*
6.66%p.a.
Monthly repayment
$3,157
LVR 70–90%
More details
Horizon Bank logo
1 Year Fixed Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Verify, 68d old
Comparison*
6.68%p.a.
Monthly repayment
$3,059
LVR 70–90%
More details
Horizon Bank logo
Home Sweet Home Loan
Owner-occupierDiscountP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Verify, 68d old
Comparison*
6.74%p.a.
Monthly repayment
$3,011
LVR 70–90%
More details
Horizon Bank logo
Home Sweet Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Verify, 68d old
Comparison*
6.86%p.a.
Monthly repayment
$3,207
LVR 70–90%
More details

Negotiate Horizon Bank rates with a broker

Advertised rates aren't always the rate Horizon Bank actually approves. Our broker negotiates against your specific scenario, no fee.

Talk to a broker

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 is the lowest Horizon Bank home loan rate?

Horizon Bank's lowest variable home loan rate is currently 5.89% p.a., and its lowest fixed rate is 6.19% p.a., based on the 26 Horizon Bank products Ratesniffers ranks by comparison rate, last verified 16 July 2026. The advertised rate isn't always the rate Horizon Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does Horizon Bank's home loan rate compare to the market?

Horizon Bank's lowest variable home loan rate today is 5.89% p.a., which is 20 basis points below the market median of 6.09% p.a., which puts Horizon Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Horizon Bank sits right now rather than a fixed snapshot.

How many home loan products does Horizon Bank offer?

Ratesniffers currently tracks 28 Horizon Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 26 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 5.89% 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 16 July 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.

Horizon Bank rates by borrower and loan type

The same Horizon Bank panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Other lenders you might compare

Same purpose-built rate cards, different lender panels.

Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.