Cheapest Flexible Home Loan award: Best of the Best 2020

GOLD WINNERS
MOVE BANK (BANK)
AMP (MAJOR BANK)
REDUCE HOME LOANS (NON-BANK)

As well as low rates, lenders offer a host of extras for paying off your debt sooner

Reduce Home Loans is a clear winner here, with a variable rate of 2.69% on a loan that offers all the bells and whistles.

You'll need a deposit of at least 20% and the term can be up to 30 years. While 100% offset is available, it adds 0.05% to the rate.

Among the banks, MOVE's First Home Loan has a discounted one-year fixed introductory rate.

Borrow up to 95% of your home's value, pay no transaction fees on MOVE Bank savings and transaction accounts, and take advantage of free-to-settlement property insurance.

MOVE also has a family pledge option.

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