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Interest rates

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Competitive Interest Rates

  • Affordable Repayments
  • Competitive, Despite Bad Credit

at the Australian Lending Centre, we look for the best interest rates to suit your circumstances.

Not every borrower is a candidate for bank finance, so we aim to find loans to suit self-employer business owners, bad credit applicants, people looking to consolidate debt as well as home loans for people who fall outside the strict lending requirements of traditional lending institutions.

Our goal is to offer the best products for a wide range of people and businesses, at the best rates available.

Full Documentation – Owner Occupied Home Loans

Variable Interest Rates – Principal and Interest

Our Rate Types

  • Standard Variable < $150K
  • Standard Variable > $150K
  • Standard Variable > $250K
  • Line of Credit

Interest Rate

  • 2.54%
  • 2.54%
  • 2.54%
  • _

Comparison Rate

  • 2.56%
  • 2.56%
  • 2.56%
  • _

Fixed Interest Rates – Principal and Interest

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 2.09%
  • 1.88%
  • 1.88%
  • 2.29%
  • 2.59%

Comparison Rate

  • 2.89%
  • 2.84%
  • 2.77%
  • 2.79%
  • 2.87%

Full Documentation – Owner Occupied Home Loans

Variable Interest Rates – Interest Only

Our Rate Types

  • Standard Variable < $150K
  • Standard Variable > $150K
  • Standard Variable > $250K
  • Line of Credit

Interest Rate

  • 3.19%
  • 3.19%
  • 3.19%
  • 3.19% - 4.51%

Comparison Rate

  • 3.21%
  • 3.21%
  • 3.21%
  • __

Fixed Interest Rates – Interest Only

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 3.59%
  • 3.49%
  • 2.95%
  • 4.14%
  • 3.89%

Comparison Rate

  • 3.06%
  • 3.09%
  • 3.00%
  • 4.34%
  • 3.36%

Full Documentation – Investment Home Loans

Variable Interest Rates – Principal & Interest

Our Rate Types

  • Standard Variable < $150K
  • Standard Variable > $150K
  • Standard Variable > $250K
  • Line of Credit

Interest Rate

  • 2.84%
  • 2.64%
  • 2.84%
  • __

Comparison Rate

  • 2.86%
  • 2.67%
  • 2.86%
  • __

Fixed Interest Rates – Principal & Interest

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 2.34%
  • 2.29%
  • 2.34%
  • 2.64%
  • 2.64%

Comparison Rate

  • 4.56%
  • 3.40%
  • 4.16%
  • 4.08%
  • 3.93%

Full Documentation – Investment Home Loans

Variable Interest Rates – Interest Only

Our Rate Types

  • Standard Variable < $150K
  • Standard Variable > $150K
  • Standard Variable > $250K
  • Line of Credit

Interest Rate

  • 3.04%
  • 3.04%
  • 3.04%
  • 3.39% - 4.51%

Comparison Rate

  • 3.06%
  • 3.06%
  • 3.06%
  • __

Fixed Interest Rates – Interest Only

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 2.54%
  • 2.44%
  • 2.49%
  • 2.94%
  • 2.94%

Comparison Rate

  • 4.96%
  • 3.34%
  • 3.28%
  • 4.60%
  • 4.49%

Alternative Documentation – Owner Occupied Home Loans

Fixed Interest Rates – Principal & Interest (Existing Customers Only)

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 2.99%
  • 2.99%
  • 2.99%
  • 2.89%
  • 3.19%

Comparison Rate

  • 4.93%
  • 4.77%
  • 4.62%
  • 4.45%
  • 4.44%

Alternative Documentation – Owner Occupied Home Loans

Fixed Interest Rates – Interest Only

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 3.69%
  • 3.69%
  • 3.69%
  • 4.19%
  • 4.19%

Comparison Rate

  • 5.59%
  • 5.43%
  • 5.32%
  • 5.32%
  • 5.24%

Alternative Documentation – Investment Home Loans

Fixed Interest Rates – Principal & Interest (Existing Customers Only)

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 3.29%
  • 3.19%
  • 3.19%
  • 3.49%
  • 3.49%

Comparison Rate

  • 5.41%
  • 5.21%
  • 5.03%
  • 4.98%
  • 4.85%

Alternative Documentation – Investment Home Loans

Fixed Interest Rates – Interest Only (Existing Customers Only)

Our Rate Types

  • 1 year fixed
  • 2 year fixed
  • 3 year fixed
  • 4 year fixed
  • 5 year fixed

Interest Rate

  • 3.49%
  • 3.39%
  • 3.39%
  • 3.69%
  • 3.69%

Comparison Rate

  • 5.69%
  • 5.48%
  • 5.29%
  • 5.23%
  • 5.09%
Home Loan Arrears

Home Loan Interest Rates

All interest rates quoted by Australian Lending Centre apply to home and investment loan services. Fixed interest rates are set on the settlement date for a customer’s loan unless specifically quoted otherwise. Interest rates quoted by Australian Lending Centre representatives are indicative only.

There may be additional fees and charges added into a customer’s loan interest rate. Australian Lending Centre has the right to change forecast interest rates and the loan terms and conditions at any time and without notice to customers.

Interest Rate Questions

If you have questions regarding Australian Lending Centre’s interest rates, get in touch with on of our friendly specialist loan consultants, who will respond promptly to your online application.

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*Anything above LVR ≥ 80% may be subject to changes in interest rates

Australian Lending Centre offers customers competitive interest rates and affordable payment terms so that you can get on track with your home loan, personal and business finances. Whether you’re looking for a refinance or debt consolidation loan or you need to boost your business’s cash flow, Australian Lending Centre can help. Contact a loan specialist today.

Interest rates quoted by this site (www.www.australianlendingcentre.com.au) are current as of July 16, 2021, but are subject to change without notification.*

Please note that our Comparison Rates only apply to the current interest rates and terms provided. There may be different interest amounts, which will result in different comparison rates. Factors such as redraw fees, early repayment fees, and fee waivers are not included in our comparison rate table and can change the cost of your loan.

*Interest rates apply to residential home loans and investment loans. Where a fixed interest rate applies, the interest rate will be set on the settlement date for the loan unless advised otherwise. All interest rates quoted above are indicative only. Fees and charges apply. Australian Lending Centre reserves the right to amend published interest rates and the terms and conditions applying to its offers and services at anytime without prior notice. Further information regarding fees, terms and conditions are available from Australian Lending Centre.

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For 25 years the Australian Lending Centre has been offering customers a financial relationship with access to the latest financial products and services. Our highly trained, caring team is here to help you get on track. With a wide range of Australian loan products and debt management services to offer, we strive to make a long-term commitment to improve your financial wellbeing.

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