Judo Bank Home Loan Rates
Judo Bank is a challenger bank focused primarily on small-business lending, with a smaller home-loan offering aimed at high-net-worth and complex-income borrowers. Higher-touch, relationship-banker-style underwriting rather than algorithmic scoring.
What are Judo Bank home loan rates?
Judo Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 8.65% p.a. and the lowest fixed rate currently 9.48% p.a., checked daily (last verified 11 Sept 2026). Compare Judo 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 Judo Bank home loan rate?
The lowest Judo Bank variable home loan rate Ratesniffers tracks is 8.65% p.a., and the lowest fixed rate is 9.48% p.a. These figures come from the 24 Judo Bank products on this page, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Judo Bank offer?
Ratesniffers currently tracks 24 Judo 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.
Judo Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor P&I | 8.65% p.a. | 8.67% p.a. | n/a |
| Variable Owner-occupier P&I | 8.65% p.a. | 8.67% p.a. | n/a |
| Variable Owner-occupier interest-only | 8.65% p.a. | 8.67% p.a. | n/a |
| Variable Investor interest-only | 8.65% p.a. | 8.67% p.a. | n/a |
| Fixed 3-year Owner-occupier interest-only | 9.48% p.a. | 8.91% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 9.48% p.a. | 8.91% p.a. | n/a |
| Fixed 3-year Investor P&I | 9.48% p.a. | 8.91% p.a. | n/a |
| Fixed 3-year Investor interest-only | 9.48% p.a. | 8.91% p.a. | n/a |
| Fixed 1-year Owner-occupier interest-only | 9.51% p.a. | 8.76% p.a. | n/a |
| Fixed 1-year Investor interest-only | 9.51% p.a. | 8.74% p.a. | n/a |
| Fixed 1-year Owner-occupier P&I | 9.51% p.a. | 8.76% p.a. | n/a |
| Fixed 1-year Investor P&I | 9.51% p.a. | 8.76% p.a. | n/a |
24 Judo Bank home loan products
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.
Judo Bank home loan repayment calculator
Pre-filled with Judo Bank's lowest advertised variable rate in the table above, 8.65% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Judo Bank?
Judo Bank was founded in October 2016 by former NAB bankers David Hornery and Joseph Healy, built specifically to lend to small and medium-sized businesses after the major banks pulled back from relationship-based SME lending. It received a full banking licence from APRA in April 2019 and listed on the ASX in November 2021 (ticker JDO), the first fully licensed Australian bank to IPO in 25 years.
Judo's core business remains SME lending, backed by personal term deposits and, more recently, a home loan offering. It has no branch network, operating through relationship bankers and its digital platform from its Melbourne head office rather than shopfronts.
Who suits a Judo Bank home loan?
Judo Bank tends to suit business owners already banking with Judo for commercial lending who want to keep their home loan under the same relationship, rather than borrowers shopping purely on rate. Its home loan pricing in our index generally sits well above the mainstream market average, so compare its comparison rate carefully against the sharpest rates in the table above before choosing it for a standalone home loan.
Judo Bank's lowest variable rate today is 8.65% p.a., 241 basis points above the 6.24% p.a. median across the lenders Ratesniffers tracks, computed daily from the same live feed as the table above.
Background facts checked 26 July 2026. Rates above refresh independently.