A home loan's advertised interest rate is only one part of its overall cost. Compare the available rates alongside fees, repayment features, eligibility requirements and the conditions attached to each product.

Your circumstances also matter. The loan options available to an owner-occupier may differ from those available to an investor, and lenders may apply different criteria depending on the deposit, property and loan purpose.

Variable interest rates can change during the life of a loan. Fixed rates generally remain unchanged for the agreed fixed-rate period, after which the loan may move to another rate or product arrangement.

The rate available to an individual applicant may differ from a rate shown in a product listing. Lenders can consider factors such as the loan-to-value ratio, loan amount, repayment type, purpose and applicant circumstances.

Depending on the product, fees may include application or establishment fees, package fees, ongoing account fees, valuation costs and discharge fees. Other costs may apply depending on the property and transaction.

Review the lender's current fee schedule and loan documents. A product's listed annual fee should not be taken to mean that every possible loan-related cost is zero.

BudgetWise presents available home loan product information so you can review rates, fees and features in one place. Product information may come from Australian Consumer Data Right (CDR) data and other partner sources.

Availability and data coverage can vary by provider and product. Sponsored placements may be identified, and commercial partnerships may influence listing order. Review the individual product details and lender terms before making a decision.