RedZed is one of the Australian home-loan lenders we track daily. We currently surface 257 active products from RedZed, 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 RedZed home loan rates?
RedZed home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.87% p.a., checked daily (last verified 11 Sept 2026). Compare RedZed 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 RedZed home loan rate?
The lowest RedZed variable home loan rate Ratesniffers tracks is 6.87% p.a. These figures come from the 52 RedZed products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does RedZed offer?
Ratesniffers currently tracks 257 RedZed home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 52 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.
*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.
RedZed fees, offset and limits at a glance
Application or establishment fee
$399
Discharge fee
$690
Settlement fee
$975
Additional valuation fee
$380
Loan portability
Yes, substitutions are allowed provided that simultaneous settlement takes place and the new security is of…
Maximum total lending
$3million in aggregate and individual product maximum loan amounts apply
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
RedZed home loans: frequently asked questions
What are RedZed home loan rates?
RedZed home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.87% p.a., checked daily (last verified 11 Sept 2026). Compare RedZed 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 RedZed balance, use /calculators/extra-repayment.
What is the lowest RedZed home loan rate?
RedZed's lowest variable home loan rate is currently 6.87% p.a., based on the 52 RedZed products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate RedZed approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 RedZed home loan?
At RedZed's lowest variable rate of 6.87% p.a., a $600,000 principal and interest loan over 30 years repays about $3,940 a month, and $500,000 about $3,283. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 RedZed home loan?
There is no single salary. Like every Australian lender, RedZed must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.87% p.a. is assessed at about 9.87% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does RedZed's home loan rate compare to the market?
RedZed's lowest variable home loan rate today is 6.87% p.a., which is 63 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking RedZed to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where RedZed sits right now rather than a fixed snapshot.
How many home loan products does RedZed offer?
Ratesniffers currently tracks 257 RedZed home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 52 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is RedZed competitive for refinancing?
It depends on your loan size and LVR. RedZed's lowest comparison rate is currently 7.74% 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 RedZed against the sharpest available rate usually pays off.
How often are RedZed's home loan rates updated?
Ratesniffers refreshes RedZed's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever RedZed reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
