Compare WLTH’s current rates across every Ocean loan. Variable home loan rates start from 6.44% p.a. (comparison rate 6.90% p.a.), fixed rates from 7.74% p.a. (comparison rate 6.69% p.a.), SMSF loans from 7.14% p.a. and commercial refinance from 8.09% p.a. Rates are effective 13 October 2026.
| Loan | Best for | Rates from |
|---|---|---|
| Home loans | ||
| Ocean Standard Residential (variable) | Buying, refinancing or building, up to 95% LVR | 6.44% p.a. Comparison rate 6.90% p.a.* |
| Ocean Residential Fixed | Fixing your rate for 1 to 5 years, up to 95% LVR | 7.74% p.a. Comparison rate 6.69% p.a.* |
| Ocean 40 Year Residential | Lower repayments over a 40-year loan term | 6.54% p.a. Comparison rate 6.99% p.a.* |
| Ocean 0% LMI Variable | Eligible professionals, essential workers and PAYG employees borrowing up to 95% LVR with no LMI | 6.95% p.a. Comparison rate 7.46% p.a.* |
| Ocean Standard Easy Refi | Simpler refinancing for borrowers with a good repayment history, up to 80% LVR | 6.44% p.a. Comparison rate 6.90% p.a.* |
| SMSF loans | ||
| Ocean SMSF Variable | Refinancing SMSF residential property, or buying or refinancing SMSF commercial property | 7.14% p.a. residential 7.83% p.a. commercial |
| Ocean SMSF Fixed | Fixing your SMSF loan rate for 1 to 5 years | 8.04% p.a. residential 8.73% p.a. commercial |
| Ocean SMSF Easy Refi | Simpler SMSF refinancing for funds with a good repayment history, up to 80% LVR | 7.14% p.a. residential 7.83% p.a. commercial |
| Commercial loans | ||
| Ocean Commercial Easy Refi | Simpler commercial property refinancing, for loans up to $3m | 8.09% p.a. |
*See the comparison rate warning below. Rates shown are the lowest available for each loan. Your rate depends on your LVR, whether the property is owner occupied or an investment, and the loan type. Select a loan for its full rates and details.
Frequently Asked Questions
What are WLTH’s current home loan rates?
WLTH’s variable home loan rates start from 6.44% p.a. (comparison rate 6.90% p.a.) and fixed rates start from 7.74% p.a. (comparison rate 6.69% p.a.). SMSF loan rates start from 7.14% p.a., and commercial refinance rates start from 8.09% p.a. Rates are effective 13 October 2026.
Which WLTH loan is right for me?
It depends on what you’re borrowing for, how much deposit or equity you have, and whether you want a variable or fixed rate. The table above shows what each loan is designed for. A mortgage broker can compare them against your situation.
How do I apply?
Ask your mortgage broker about WLTH, or contact us at 13 WLTH or hello@wlth.com.
Impact Lending
WLTH is Australia’s first Impact Lender. For every loan settled with WLTH, 50m² of Australian beach and coastline will be cleaned up alongside Parley for the Oceans. Your home loan helps keep Australia’s coastline clean, at no extra cost to you.
Disclaimers
Rates and information are correct as at 13 October 2026 and are subject to change without notice.
All loans are subject to lending criteria. Other conditions, fees and charges may apply.
*Comparison rate warning: The comparison rate is based on a loan of $150,000 over a term of 25 years, principal and interest. Fees included are the application fee, estimated legal fee, settlement fee, estimated valuation fee, applicable annual fees and discharge fee. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
The information in this article is general in nature and does not take into account your objectives, financial situation or needs. Borrowing through a self-managed super fund is complex and involves risks. Before acting on this information, consider whether it is appropriate for you and seek independent financial, legal and tax advice.
WLTH Lend Pty Ltd CRN 525 873 as authorised by WLTH Pty Ltd AFSL & ACL 525 752.
