🏛️
Best of Big 4
Top home loan rates from Commonwealth Bank, Westpac, ANZ, and NAB
🏛️
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%
#6
#6
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.15%
6.14% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.15%6.14% adv
+
Rate Details
Advertised rate6.14%
Comparison rate6.15%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 95%
#7
#7
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.19%
6.49% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.19%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate6.19%
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%
#8
#8
🏪
NAB Defence Force Home Loan
NAB
6.22%
6.09% adv
Details
🏪
NAB Defence Force Home Loan
NAB
6.22%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.22%
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
#9
#9
🏪
NAB Tailored Home Loan
NAB
6.22%
6.09% adv
Details
🏪
NAB Tailored Home Loan
NAB
6.22%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.22%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$12/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#10
#10
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.22%
6.09% adv
Details
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.22%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.22%
Loan typeVariable
RepaymentP&I
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#11
#11
🏪
NAB Tailored Home Loan
NAB
6.22%
6.09% adv
Details
🏪
NAB Tailored Home Loan
NAB
6.22%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.22%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$12/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#12
#12
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.25%
6.12% adv
Details
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.25%6.12% adv
+
Rate Details
Advertised rate6.12%
Comparison rate6.25%
Loan typeVariable
RepaymentP&I
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#13
#13
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.25%
6.24% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.25%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate6.25%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 95%
#14
#14
🏛️
ANZ Plus Home Loan Variable
ANZ Plus
6.26%
6.25% adv
Details
🏛️
ANZ Plus Home Loan Variable
ANZ Plus
6.26%6.25% adv
+
Rate Details
Advertised rate6.25%
Comparison rate6.26%
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
#15
#15
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.27%
6.14% adv
Details
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.27%6.14% adv
+
Rate Details
Advertised rate6.14%
Comparison rate6.27%
Loan typeVariable
RepaymentP&I
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#16
#16
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.32%
6.19% adv
Details
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.32%6.19% adv
+
Rate Details
Advertised rate6.19%
Comparison rate6.32%
Loan typeVariable
RepaymentP&I
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#17
#17
🏪
NAB Tailored Home Loan
NAB
6.32%
6.19% adv
Details
🏪
NAB Tailored Home Loan
NAB
6.32%6.19% adv
+
Rate Details
Advertised rate6.19%
Comparison rate6.32%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$12/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#18
#18
🏪
NAB Tailored Home Loan
NAB
6.33%
6.20% adv
Details
🏪
NAB Tailored Home Loan
NAB
6.33%6.20% adv
+
Rate Details
Advertised rate6.20%
Comparison rate6.33%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$12/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#19
#19
🏪
NAB Tailored Home Loan
NAB
6.33%
6.20% adv
Details
🏪
NAB Tailored Home Loan
NAB
6.33%6.20% adv
+
Rate Details
Advertised rate6.20%
Comparison rate6.33%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$12/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#20
#20
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.37%
6.24% adv
Details
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.37%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate6.37%
Loan typeVariable
RepaymentP&I
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#21
#21
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.42%
6.29% adv
Details
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.42%6.29% adv
+
Rate Details
Advertised rate6.29%
Comparison rate6.42%
Loan typeVariable
RepaymentP&I
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#22
#22
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.42%
6.45% adv
Details
🏦
Digi Home Loan (Investment)
Commonwealth Bank
6.42%6.45% adv
+
Rate Details
Advertised rate6.45%
Comparison rate6.42%
Loan typeVariable
RepaymentIO
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#23
#23
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.42%
6.58% adv
Details
🏦
Digi Home Loan (Owner Occupied)
Commonwealth Bank
6.42%6.58% adv
+
Rate Details
Advertised rate6.58%
Comparison rate6.42%
Loan typeVariable
RepaymentIO
Fees
Application fee$300
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 80%
#24
#24
🏪
NAB Tailored Home Loan
NAB
6.43%
6.30% adv
Details
🏪
NAB Tailored Home Loan
NAB
6.43%6.30% adv
+
Rate Details
Advertised rate6.30%
Comparison rate6.43%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$12/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 80%
#25
#25
🏪
NAB Base Variable Rate Home Loan
NAB
6.44%
Details
🏪
NAB Base Variable Rate Home Loan
NAB
6.44%
+
Rate Details
Advertised rate6.44%
Comparison rate6.44%
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
These rankings rate every home loans on one figure. Answer a few questions to see the ones that fit you →
As of 16 September 2026, the lowest home loan comparison rate among Commonwealth Bank, Westpac, ANZ and NAB tracked by BankMate is 5.86% from Westpac (Flexi First : Our lowest online variable home loan rate (Owner Occupied)). How we rank →