LEADERBOARD
The home loan leaderboard
Top-ranked home loans across every category — lowest variable, best fixed, offset and flexibility champions.
📉
Lowest Variable Rate
#1
#1
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%
5.80% adv
Details
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%5.80% adv
+
Rate Details
Advertised rate5.80%
Comparison rate5.85%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#2
#2
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%
5.84% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%5.84% adv
+
Rate Details
Advertised rate5.84%
Comparison rate5.86%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#3
#3
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%
5.84% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%5.84% adv
+
Rate Details
Advertised rate5.84%
Comparison rate5.86%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#4
#4
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%
5.84% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%5.84% adv
+
Rate Details
Advertised rate5.84%
Comparison rate5.86%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#5
#5
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%
6.68% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%6.68% adv
+
Rate Details
Advertised rate6.68%
Comparison rate5.86%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
Show More
🔒
Lowest Fixed Rate
#1
#1
🏦
Virgin Money Lite Home Loan
Virgin Money
5.92%
6.49% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.92%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate5.92%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#2
#2
🏦
Virgin Money Lite Home Loan
Virgin Money
5.92%
6.49% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.92%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate5.92%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#3
#3
🏦
Virgin Money Lite Home Loan
Virgin Money
5.92%
6.49% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.92%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate5.92%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#4
#4
🏦
Virgin Money Lite Home Loan
Virgin Money
5.93%
6.24% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.93%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate5.93%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#5
#5
🏦
Virgin Money Lite Home Loan
Virgin Money
5.93%
6.24% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.93%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate5.93%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
Show More
🏦
Best with Offset
#1
#1
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%
5.80% adv
Details
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%5.80% adv
+
Rate Details
Advertised rate5.80%
Comparison rate5.85%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#2
#2
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%
6.68% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%6.68% adv
+
Rate Details
Advertised rate6.68%
Comparison rate5.86%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#3
#3
🏘️
QLD BOOST TO BUY
Unity Bank
5.93%
5.90% adv
Details
🏘️
QLD BOOST TO BUY
Unity Bank
5.93%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.93%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#4
#4
🏘️
Vic Homebuyer Fund
Unity Bank
5.93%
5.90% adv
Details
🏘️
Vic Homebuyer Fund
Unity Bank
5.93%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.93%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#5
#5
🏘️
First Home Buyer Loan - Owner Occupied - SO
Unity Bank
5.95%
5.90% adv
Details
🏘️
First Home Buyer Loan - Owner Occupied - SO
Unity Bank
5.95%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.95%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
Show More
🔄
Most Flexible
#1
#1
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%
5.80% adv
Details
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%5.80% adv
+
Rate Details
Advertised rate5.80%
Comparison rate5.85%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#2
#2
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%
5.84% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%5.84% adv
+
Rate Details
Advertised rate5.84%
Comparison rate5.86%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#3
#3
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%
5.84% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%5.84% adv
+
Rate Details
Advertised rate5.84%
Comparison rate5.86%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#4
#4
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%
5.84% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.86%5.84% adv
+
Rate Details
Advertised rate5.84%
Comparison rate5.86%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#5
#5
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%
6.68% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%6.68% adv
+
Rate Details
Advertised rate6.68%
Comparison rate5.86%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
Show More
🏡
Best for First Home Buyers
#1
#1
🏘️
QLD BOOST TO BUY
Unity Bank
5.93%
5.90% adv
Details
🏘️
QLD BOOST TO BUY
Unity Bank
5.93%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.93%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#2
#2
🏘️
First Home Buyer Loan - Owner Occupied - SO
Unity Bank
5.95%
5.90% adv
Details
🏘️
First Home Buyer Loan - Owner Occupied - SO
Unity Bank
5.95%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.95%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#3
#3
🏘️
Australian Government 5% Deposit Scheme
Unity Bank
5.95%
5.90% adv
Details
🏘️
Australian Government 5% Deposit Scheme
Unity Bank
5.95%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.95%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#4
#4
🌳
First Home Buyers (Bendigo Complete Home Loan)
Bendigo
6.40%
6.18% adv
Details
🌳
First Home Buyers (Bendigo Complete Home Loan)
Bendigo
6.40%6.18% adv
+
Rate Details
Advertised rate6.18%
Comparison rate6.40%
Loan typeVariable
RepaymentIO
Fees
Application fee$150
Monthly fee$15/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#5
#5
🌳
First Home Buyers (Bendigo Complete Home Loan)
Bendigo
6.40%
6.18% adv
Details
🌳
First Home Buyers (Bendigo Complete Home Loan)
Bendigo
6.40%6.18% adv
+
Rate Details
Advertised rate6.18%
Comparison rate6.40%
Loan typeVariable
RepaymentP&I
Fees
Application fee$150
Monthly fee$15/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
Show More
🏛️
Best of Big 4
#1
#1
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%
6.68% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%6.68% adv
+
Rate Details
Advertised rate6.68%
Comparison rate5.86%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#2
#2
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.96%
6.78% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.96%6.78% adv
+
Rate Details
Advertised rate6.78%
Comparison rate5.96%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#3
#3
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.00%
5.99% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.00%5.99% adv
+
Rate Details
Advertised rate5.99%
Comparison rate6.00%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#4
#4
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.09%
6.39% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.09%6.39% adv
+
Rate Details
Advertised rate6.39%
Comparison rate6.09%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 95%
#5
#5
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.10%
6.09% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.10%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.10%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
Show More
These rankings rate every home loans on one figure. Answer a few questions to see the ones that fit you →
As of 17 September 2026, the lowest variable home loan comparison rate tracked by BankMate is 5.85% from Unity Bank (Essential Worker Home Loan - Owner Occupier). How we rank →