🔒
Lowest Fixed Rate
All fixed rate home loans ranked by comparison rate
🔒
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%
#6
#6
🏦
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%
#7
#7
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.95%
5.99% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.95%5.99% adv
+
Rate Details
Advertised rate5.99%
Comparison rate5.95%
Loan typeFixed 3yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#8
#8
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.95%
6.20% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.95%6.20% adv
+
Rate Details
Advertised rate6.20%
Comparison rate5.95%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#9
#9
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.97%
6.45% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.97%6.45% adv
+
Rate Details
Advertised rate6.45%
Comparison rate5.97%
Loan typeFixed 1yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#10
#10
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.98%
6.22% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.98%6.22% adv
+
Rate Details
Advertised rate6.22%
Comparison rate5.98%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#11
#11
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%
6.29% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%6.29% adv
+
Rate Details
Advertised rate6.29%
Comparison rate5.98%
Loan typeFixed 3yr
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%
#12
#12
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%
6.29% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%6.29% adv
+
Rate Details
Advertised rate6.29%
Comparison rate5.98%
Loan typeFixed 3yr
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%
#13
#13
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%
6.29% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%6.29% adv
+
Rate Details
Advertised rate6.29%
Comparison rate5.98%
Loan typeFixed 3yr
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%
#14
#14
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%
7.09% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%7.09% adv
+
Rate Details
Advertised rate7.09%
Comparison rate5.98%
Loan typeFixed 1yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#15
#15
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%
7.09% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%7.09% adv
+
Rate Details
Advertised rate7.09%
Comparison rate5.98%
Loan typeFixed 1yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#16
#16
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%
7.09% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
5.98%7.09% adv
+
Rate Details
Advertised rate7.09%
Comparison rate5.98%
Loan typeFixed 1yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#17
#17
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.99%
6.20% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
5.99%6.20% adv
+
Rate Details
Advertised rate6.20%
Comparison rate5.99%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#18
#18
⬆️
Up Home Loan
Up
5.99%
6.35% adv
Details
⬆️
Up Home Loan
Up
5.99%6.35% adv
+
Rate Details
Advertised rate6.35%
Comparison rate5.99%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#19
#19
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.01%
6.09% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.01%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.01%
Loan typeFixed 3yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#20
#20
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.01%
6.24% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.01%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate6.01%
Loan typeFixed 3yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#21
#21
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.02%
6.22% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.02%6.22% adv
+
Rate Details
Advertised rate6.22%
Comparison rate6.02%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#22
#22
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.02%
6.45% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.02%6.45% adv
+
Rate Details
Advertised rate6.45%
Comparison rate6.02%
Loan typeFixed 1yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#23
#23
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.03%
6.47% adv
Details
🏦
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Regional Australia Bank
6.03%6.47% adv
+
Rate Details
Advertised rate6.47%
Comparison rate6.03%
Loan typeFixed 2yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
—Offset account
—Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#24
#24
⬆️
Up Home Loan
Up
6.04%
6.40% adv
Details
⬆️
Up Home Loan
Up
6.04%6.40% adv
+
Rate Details
Advertised rate6.40%
Comparison rate6.04%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#25
#25
🏦
Virgin Money Lite Home Loan
Virgin Money
6.04%
6.79% adv
Details
🏦
Virgin Money Lite Home Loan
Virgin Money
6.04%6.79% adv
+
Rate Details
Advertised rate6.79%
Comparison rate6.04%
Loan typeFixed 2yr
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
—Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
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 fixed home loan comparison rate tracked by BankMate is 5.92% from Virgin Money (Virgin Money Lite Home Loan, 1-year fixed). How we rank →