Home loan comparisons
Weigh up your options side by side. Each guide breaks down how the choices differ on cost, risk and flexibility — in plain English — so you can decide with confidence.
Fixed vs Variable Home Loan
Rate certainty versus flexibility — how fixed and variable home loans compare on repayments, features, break costs and risk.
Read the comparisonOffset vs High-Interest Savings
See the savings-rate (and pre-tax return) you'd need to beat an offset account, factoring in your marginal tax rate. Free interactive calculator.
Open the calculatorRent vs Buy
Compare the true cost of renting versus buying over time — deposit, repayments, growth and rent — to find your break-even point.
Open the calculatorOffset vs Redraw
Two ways to cut interest with extra repayments — how offset accounts and redraw facilities differ on tax, access, flexibility and fees.
Read the comparisonOffset Account Savings
Estimate how much interest and time an offset balance could shave off your home loan over its full term. Free interactive calculator.
Open the calculatorLender head-to-heads
16 side-by-side lender comparisons — rates positioning, offset and redraw, fees, cashback, service turnaround and who each lender actually suits.
Compare lenders side by sideBrowse by topic
Every XLOANS guide, calculator and directory, grouped by what you're trying to do.
Borrowing power
How lenders assess income, debts and living expenses to set your maximum loan.
Guides
Calculators
Directories
Open the borrowing power hubFirst home buyers
Deposits, LMI, grants and the state-by-state schemes that get you in sooner.
Guides
Calculators
Directories
Open the first home buyers hubRefinancing
When to switch, what it costs, and how much a lower rate is actually worth.
Guides
Calculators
Directories
Open the refinancing hubHome loans & repayments
Loan structure, offset and redraw, rates and paying your mortgage off sooner.
Guides
Calculators
- Home Loan Repayment Calculator
- Offset Account Calculator
- Offset vs High Interest Savings Calculator
- Extra Repayments Calculator
Directories
Open the home loans & repayments hubInvestment property
Cashflow, equity releases and the policy differences on investor lending.
Guides
Calculators
Directories
Open the investment property hubNot sure which option is right for you?
An XLOANS broker can compare your real numbers across 40+ lenders — free, in 15 minutes.