Home loan leaderboard52 home loans1 November 2026
The lowest home loan rates if you fix.
Rank by
- First6.14%advertised ratePREMIUM HOME LOANSouthern Cross Credit Union1yr Fixed · P&I · Owner-occupier · 6.30% comparison · With a package · $395 a year · Offset account · Up to 80% LVRGo to site
- Second6.35%advertised rateFixed Rate Home Loan - Owner Occupier - P&I - 24 mthsUnity Bank2yr Fixed · P&I · Owner-occupier · 6.44% comparisonGo to site
- Third6.39%advertised rateRegional Australia Bank Home Loan (Fixed Owner Occupied)Regional Australia Bank1yr Fixed · P&I · Owner-occupier · 6.33% comparison · Up to 80% LVRGo to site
Ranked by advertised fixed rate, lowest first, among fixed rate home loans of every term. Leaves out variable and split rate loans. Investor and interest-only loans, other LVR bands, and loans only for first home buyers (they have their own board). Compares 39 lenders, not the whole market.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
The other 49 home loans
Ranked by advertised fixed rate, lowest first, among fixed rate home loans of every term. All 49: P&I · Owner-occupier.
4Places moved since 2 October0.25Rate changed in the last 30 days0.25Earlier change
| # | Home loan | Rate | Comparison | Offset | Max LVR | Lowest fixed | Links |
|---|---|---|---|---|---|---|---|
| 4 |  | 1yr Fixed | 8.20% | No | 80% | 6.39%advertised rate0.25 above first ranked | Go to site |
| 5 |  | 1yr Fixed | 7.14% | No | 98% | 6.39%advertised rate0.25 above first ranked | Go to site |
| 6 |  | 3yr Fixed | 6.38% | Yes | — | 6.44%advertised rate0.30 above first ranked | Go to site |
| 7 |  | 2yr Fixed | 6.25% | Yes | — | 6.45%advertised rate0.31 above first ranked | Go to site |
| 8 |  | 2yr Fixed | 6.56% | No | 80% | 6.49%advertised rate0.35 above first ranked | Go to site |
| 9 | | 1yr Fixed | 8.19% | No | 80% | 6.49%advertised rate0.35 above first ranked | Go to site |
| 10 |  | 1yr Fixed | 6.36% | No | 80% | 6.49%advertised rate0.35 above first ranked | Go to site |
| 11 |  | 1yr Fixed | 6.32% | No | 80% | 6.49%advertised rate0.35 above first ranked | Go to site |
| 12 |  | 2yr Fixed | 6.34% | Yes | — | 6.49%advertised rate0.35 above first ranked | Go to site |
| 13 | | 1yr Fixed | 6.41% | No | 80% | 6.49%advertised rate0.35 above first ranked | Go to site |
| 14 | | 2yr Fixed | 6.50% | Yes | 80% | 6.49%advertised rate0.35 above first ranked | Go to site |
| 15 |  | 2yr Fixed | 6.51% | No | — | 6.49%advertised rate0.35 above first ranked | Go to site |
| 16 |  | 1yr Fixed | 6.39% | No | 80% | 6.54%advertised rate0.40 above first ranked | Go to site |
| 17 | | 1yr Fixed | 6.61% | No | 80% | 6.54%advertised rate0.40 above first ranked | Go to site |
| 18 |  | 3yr Fixed | — | No | — | 6.54%advertised rate0.40 above first ranked | Go to site |
| 19 | | 2yr Fixed | 6.68% | Yes | — | 6.59%advertised rate0.45 above first ranked | Go to site |
| 20 |  | 1yr Fixed | 6.40% | No | 80% | 6.59%advertised rate0.45 above first ranked | Go to site |
| 21 | | 1yr Fixed | 6.65% | Yes | 80% | 6.59%advertised rate0.45 above first ranked | Go to site |
| 22 | | 1yr Fixed | 6.56% | Yes | 80% | 6.59%advertised rate0.45 above first ranked | Go to site |
| 23 | | 3yr Fixed | — | Yes | — | 6.64%advertised rate0.50 above first ranked | Go to site |
| 24 |  | 1yr Fixed | 8.48% | No | 80% | 6.69%advertised rate0.55 above first ranked | Go to site |
| 25 |  | 1yr Fixed | 7.00% | No | 90% | 6.69%advertised rate0.55 above first ranked | Go to site |
| 26 |  | 2yr Fixed | 6.44% | No | 80% | 6.69%advertised rate0.55 above first ranked | Go to site |
| 27 |  | 1yr Fixed | 7.41% | Yes | 80% | 6.69%advertised rate0.55 above first ranked | Go to site |
| 28 |  | 1yr Fixed | 7.56% | Yes | 80% | 6.69%advertised rate0.55 above first ranked | Go to site |
| 29 |  | 1yr Fixed | 6.16% | No | — | 6.70%advertised rate0.56 above first ranked | Go to site |
| 30 |  | 1yr Fixed | 6.43% | No | 80% | 6.74%advertised rate0.60 above first ranked | Go to site |
| 31 | | 1yr Fixed | 6.65% | Yes | 80% | 6.74%advertised rate0.60 above first ranked | Go to site |
| 32 |  | 1yr Fixed | 6.62% | No | 80% | 6.74%advertised rate0.60 above first ranked | Go to site |
| 33 |  | 1yr Fixed | 7.09% | No | — | 6.74%advertised rate0.60 above first ranked | Go to site |
| 34 |  | 2yr Fixed | 8.00% | No | — | 6.75%advertised rate0.61 above first ranked | Go to site |
| 35 |  | 1yr Fixed | 8.53% | No | — | 6.78%advertised rate0.64 above first ranked | Go to site |
| 36 |  | 2yr Fixed | 6.41% | No | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 37 | | 2yr Fixed | 6.81% | Yes | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 38 |  | 1yr Fixed | 7.32% | No | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 39 |  | 2yr Fixed | 6.59% | No | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 40 |  | 2yr Fixed | 6.24% | No | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 41 | | 2yr Fixed | 6.76% | No | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 42 |  | 1yr Fixed | 6.29% | No | — | 6.79%advertised rate0.65 above first ranked | Go to site |
| 43 | | 1yr Fixed | 9.03% | Yes | 80% | 6.79%advertised rate0.65 above first ranked | Go to site |
| 44 |  | 1yr Fixed | 7.12% | No | 80% | 6.84%advertised rate0.70 above first ranked | Go to site |
| 45 |  | 1yr Fixed | 7.12% | No | 80% | 6.84%advertised rate0.70 above first ranked | Go to site |
| 46 |  | 2yr Fixed | 7.13% | No | 80% | 6.84%advertised rate0.70 above first ranked | Go to site |
| 47 |  | 1yr Fixed | 7.12% | No | 80% | 6.84%advertised rate0.70 above first ranked | Go to site |
| 48 | | 5yr Fixed | 8.06% | No | — | 6.94%advertised rate0.80 above first ranked | Go to site |
| 49 |  | 3yr Fixed | 6.56% | No | 90% | 7.09%advertised rate0.95 above first ranked | Go to site |
| 50 |  | 1yr Fixed | 6.52% | No | — | 7.29%advertised rate1.15 above first ranked | Go to site |
| 51 |  | 3yr Fixed | 6.80% | No | 80% | 7.34%advertised rate1.20 above first ranked | Go to site |
| 52 |  | 3yr Fixed | 6.68% | Yes | 80% | 7.53%advertised rate1.39 above first ranked | Go to site |
- 4Premium Plus Package Fixed Rate Home Loan Principal and Interest Newcastle Permanent6.39%advertised rate0.25 above first ranked1yr Fixed · 8.20% comparison · With the Premium Plus Home Loan Package · $395 a year · Up to 80% LVR
- 51 Year Fixed Rate Home LoanAustralian Military Bank6.39%advertised rate0.25 above first ranked1yr Fixed · 7.14% comparison · Up to 98% LVR
- 63 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)easyStreet6.44%advertised rate0.30 above first ranked3yr Fixed · 6.38% comparison · Offset account
- 7Up Home Loan6.45%advertised rate0.31 above first ranked2yr Fixed · 6.25% comparison · Offset account
- 8Fixed Home Loan (P&I) LVR <80P&N6.49%advertised rate0.35 above first ranked2yr Fixed · 6.56% comparison · Up to 80% LVR
- 9Fixed Rate Home Loan Principal and InterestNewcastle Permanent6.49%advertised rate0.35 above first ranked1yr Fixed · 8.19% comparison · Up to 80% LVR
- 10Fixed Home LoanPeople First Bank6.49%advertised rate0.35 above first ranked1yr Fixed · 6.36% comparison · Up to 80% LVR
- 11Tiimely Basic Home LoanTiimely Home6.49%advertised rate0.35 above first ranked1yr Fixed · 6.32% comparison · Up to 80% LVR
- 12Bendigo Express Home Loan6.49%advertised rate0.35 above first ranked2yr Fixed · 6.34% comparison · Offset account · $120 a year in fees
- 13Bendigo Easy Home Loan6.49%advertised rate0.35 above first ranked1yr Fixed · 6.41% comparison · Up to 80% LVR
- 14Tiimely Offset Home LoanTiimely Home6.49%advertised rate0.35 above first ranked2yr Fixed · 6.50% comparison · Offset account · Up to 80% LVR · $180 a year in fees
- 15Fixed P&I Home LoanBCU6.49%advertised rate0.35 above first ranked2yr Fixed · 6.51% comparison
Owner-occupier, principal and interest loans, each at the rate for an 80% LVR. Comparison rate includes most fees on a $150,000 loan over 25 years, the standard ASIC basis. Where a lender publishes no comparison rate, the advertised rate is used. A rate that needs the lender’s package is shown with the package and its yearly fee. Fixed loans are ranked on the fixed rate itself: their comparison rate is mostly the variable rate they revert to when the term ends, so it is shown beside the rate rather than ranked.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rank them on your answers
Ranked here at 80% LVR, owner-occupier, principal and interest. The questions price each loan at your deposit, loan size and repayments.
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Every home loan in one list with every figure. Sort and filter it yourself.
As of 1 November 2026, the lowest fixed home loan rate tracked by BankMate is 6.14% from Southern Cross Credit Union (PREMIUM HOME LOAN, 1-year fixed). How we rank