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Hume Bank Home Loan Rates

Active products
124
Lowest variable
5.99%
Lowest fixed
6.29%
Lowest comparison
6.03%
Last updated
28 July 2026

Hume Bank is one of the Australian home-loan lenders we track daily. We currently surface 124 active products from Hume 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 Hume Bank home loan rate?

The lowest Hume Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 100 Hume Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Hume Bank offer?

Ratesniffers currently tracks 100 Hume 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.

Hume Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%
Variable Owner-occupier P&I5.99% p.a.6.03% p.a.100%

100 Hume Bank home loan products

Hume Bank logo
Line of Credit
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
More details

Negotiate Hume Bank rates with a broker

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

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Who is Hume Bank?

Hume Bank is the customer-owned bank of the Albury-Wodonga border region, founded in 1955 as a building society by Albury locals who wanted housing finance available in their own town. It remains headquartered in Albury and focused on the border and surrounding regional NSW and Victoria.

As a mutual, profits stay with members, and its home-loan rates regularly appear near the top of national comparison tables despite its regional footprint.

Who suits a Hume Bank home loan?

Hume tends to suit border-region borrowers who want genuinely local banking, and rate-hunters anywhere, since membership is open Australia-wide and its sharpest variable rates often rank among the country's best. Check its position in the live table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Hume Bank home loans: frequently asked questions

What is the lowest Hume Bank home loan rate?

Hume Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.29% p.a., based on the 100 Hume Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Hume Bank approves, a broker can often negotiate a sharper deal on your scenario.

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

Hume Bank's lowest variable home loan rate today is 5.99% p.a., which is 10 basis points below the market median of 6.09% p.a., which puts Hume 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 Hume Bank sits right now rather than a fixed snapshot.

How many home loan products does Hume Bank offer?

Ratesniffers currently tracks 124 Hume Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 100 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Hume Bank competitive for refinancing?

It depends on your loan size and LVR. Hume Bank's lowest comparison rate is currently 6.03% 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 Hume Bank against the sharpest available rate usually pays off.

How often are Hume Bank's home loan rates updated?

Ratesniffers refreshes Hume Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Hume Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

Hume Bank rates by borrower and loan type

The same Hume 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

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Mortgage guides and market context

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