most innovative companies
ABW 5-Star Mortgage Innovator 2022 badgeAward FinalFinalist ABA Award 2022 Badge

Home Loans Made Simple TM

Find a better home loan in 5 minutes.

Best Rates Start Here

$10+ Billion

in home loans settled

27,000+

customers served

19 Years

of service and counting

8x Winner

MFAA & AFG Brokerage of the Year

53+

Locations + Apply Online

Hot rates in Australia today

LenderAdvertised
Rate From#
Comparison
Rate From*
Major Bank6.29%6.39%
Credit Union5.99%6.04%
Digital Lenders6.09%6.14%
Other Lenders5.99%6.04%
Hot Rates

Oxygen offers the hottest rates on the market!

If you are paying a higher rate, talk to us about a better deal.

Talk to an Expert Contact Us
#DISCLAIMER: Lowest rates are typically based on Owner Occupier with LVR <70%, Full Doc, P&I payments, with either a fixed or variable rate from the Lender. Rates subject to change without notice. Subject to specific lender requirements including but not limited to; type of home loan product selected, borrower credit assessment, responsible lending policy, and terms and conditions. The interest rate is published on a per annum basis. *The Comparison Rate is on a per annum basis. The comparison rate is calculated for a secured loan for an amount of $150,000 over 25 years. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Our Lenders

We compare hundreds of loans for you from our network of lenders.

Why We Are Different

Oxygen saves you time, gives you choice, and helps you avoid pitfalls when it comes to finance. We work for you, not the banks. And, we go in to bat for you to find and negotiate the most competitive loan.

icon

Independently owned and operated

icon

Easy online options for faster applications

icon

No Hidden Fees

icon

Expert Advice

Our Partners

They make our unique style of services possible.

Don't know where to start?
Talk to us today!

We're here to answer your questions and get you on your way to the best Home Loan experience.