Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
8.65%p.a.
Comparison*
8.67%p.a.
Monthly repayment
$3,898
LVR —
Judo Bank Home Loan Rates
Active products
24
Lowest variable
8.65%
Lowest fixed
9.16%
Lowest comparison
8.67%
Last updated
26 July 2026
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 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 9.16% p.a. These figures come from the 24 Judo Bank products on this page, ranked by comparison rate, last verified 26 July 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. | 100% |
| Variable Owner-occupier P&I | 8.65% p.a. | 8.67% p.a. | 100% |
| Variable Owner-occupier interest-only | 8.65% p.a. | 8.67% p.a. | 100% |
| Variable Investor interest-only | 8.65% p.a. | 8.67% p.a. | 100% |
| Fixed 3-year Owner-occupier interest-only | 9.16% p.a. | 8.82% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 9.16% p.a. | 8.82% p.a. | 100% |
| Fixed 3-year Investor P&I | 9.16% p.a. | 8.82% p.a. | 100% |
| Fixed 3-year Investor interest-only | 9.16% p.a. | 8.82% p.a. | 100% |
| Fixed 1-year Owner-occupier interest-only | 9.26% p.a. | 8.73% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 9.26% p.a. | 8.79% p.a. | 100% |
| Fixed 1-year Investor interest-only | 9.26% p.a. | 8.73% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 9.26% p.a. | 8.73% p.a. | 100% |
24 Judo Bank home loan products
Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
8.65%p.a.
Comparison*
8.67%p.a.
Monthly repayment
$3,898
LVR —
Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
8.65%p.a.
Comparison*
8.67%p.a.
Monthly repayment
$3,898
LVR —
Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
8.65%p.a.
Comparison*
8.67%p.a.
Monthly repayment
$3,898
LVR —
Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
9.16%p.a.
Comparison*
—
Monthly repayment
$4,081
LVR —
Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
9.16%p.a.
Comparison*
—
Monthly repayment
$4,081
LVR —
Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
9.16%p.a.
Comparison*
—
Monthly repayment
$4,081
LVR —
Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
9.16%p.a.
Comparison*
—
Monthly repayment
$4,081
LVR —
Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
9.26%p.a.
Comparison*
—
Monthly repayment
$4,117
LVR —
Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
9.34%p.a.
Comparison*
—
Monthly repayment
$4,146
LVR —
Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
9.34%p.a.
Comparison*
—
Monthly repayment
$4,146
LVR —
Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
9.34%p.a.
Comparison*
—
Monthly repayment
$4,146
LVR —
Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
9.34%p.a.
Comparison*
—
Monthly repayment
$4,146
LVR —
Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
9.36%p.a.
Comparison*
—
Monthly repayment
$4,153
LVR —
Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
9.36%p.a.
Comparison*
—
Monthly repayment
$4,153
LVR —
Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
9.36%p.a.
Comparison*
—
Monthly repayment
$4,153
LVR —
Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
9.36%p.a.
Comparison*
—
Monthly repayment
$4,153
LVR —
Negotiate Judo Bank rates with a broker
Advertised rates aren't always the rate Judo Bank actually approves. Our broker negotiates against your specific scenario, no fee.
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.
Background facts checked 26 July 2026. Rates above refresh independently.
Judo Bank home loans: frequently asked questions
What is the lowest Judo Bank home loan rate?
Judo Bank's lowest variable home loan rate is currently 8.65% p.a., and its lowest fixed rate is 9.16% p.a., based on the 24 Judo Bank products Ratesniffers ranks by comparison rate, last verified 26 July 2026. The advertised rate isn't always the rate Judo Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does Judo Bank's home loan rate compare to the market?
Judo Bank's lowest variable home loan rate today is 8.65% p.a., which is 256 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Judo Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Judo Bank sits right now rather than a fixed snapshot.
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 loans sit at the top.
Is Judo Bank competitive for refinancing?
It depends on your loan size and LVR. Judo Bank's lowest comparison rate is currently 8.67% 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 Judo Bank against the sharpest available rate usually pays off.
How often are Judo Bank's home loan rates updated?
Ratesniffers last verified Judo Bank's home loan rates on 26 July 2026. Rates can change whenever Judo Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
Judo Bank rates by borrower and loan type
The same Judo Bank panel, filtered to the scenario you're actually shopping for.
- Judo Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Judo Bank investor ratesInvestment lending, interest-only where offered.
- Judo Bank refinance ratesRefinance-eligible products versus your current rate.
- Judo Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Judo Bank fixed rates1 to 5-year terms where available.
- Judo Bank variable ratesFlexible repayments, offset-compatible products.
- Judo Bank interest-only ratesIO terms, mostly investor products.
- Judo Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Research Judo Bank
Our independent review, and how they stack up head to head.
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.