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Home loans: what banks charge

Rates here are for people who live in the home and pay off the loan as they go (principal and interest), borrowing 80% of what the home is worth. A small difference in the rate adds up to a lot over 30 years.

Typical variable rate

6.44%

The comparison rate, which adds in most fees, is typically 6.56%. Across 340 loans.

Typical fixed rates

1 year
6.54%
2 years
6.59%
3 years
6.69%
4 years
6.79%
5 years
6.79%

When the fixed time ends, the loan moves to the bank's variable rate, which may be higher.

New customers often get a lower rate

Banks often save their lowest rates for new borrowers. People who already have a loan with them can end up paying more for the same loan. This is sometimes called the "loyalty tax".

See what it costs you

4 loans at 2 banks publish both prices. The typical gap is 0.80%.

On a $600,000 loan over 30 years, a gap that size costs about $307 a month, or $110,608 over the whole loan.

Most banks don't publish both. 28 of the loans below say their variable rate is for new customers or new loans only. What existing customers on those loans pay isn't in the data. If you have a loan, it's worth asking your bank what rate a new customer would get.

What half a percent costs

Take a $600,000 loan over 30 years at the typical variable rate of 6.44%. The repayment is $3,768.76 a month. At 6.94% it's $3,967.67.

More each month
$199
More each year
$2,387
More over 30 years
$71,605
How it's worked out

The monthly repayment on a loan is

M = P × r × (1 + r)n ÷ ((1 + r)n − 1)

where P is the amount borrowed ($600,000), r is the yearly rate divided by 12 (6.44% ÷ 12 = 0.00537), and n is the number of monthly repayments (30 × 12 = 360). Work it out at both rates, then take one from the other. Banks work out interest daily, so their figure can differ by a few dollars.

Every home loan

Owner-occupier, principal and interest, borrowing 80% of the home's value. Variable is the lowest variable rate the bank lists for a new loan. Tap a column heading to sort it.

Loan
AFG Home Loans Alpha AFG Alpha Basic Home Loan 6.54% 6.56% 6.59%6.59%6.69%6.79%6.79%
AFG Home Loans Alpha AFG Alpha Offset Home Loan 6.59% 6.77% 6.69%6.69%6.79%6.89%6.89%
AMP - My AMP AMP Essential Home Loan new customers 6.33% 6.36% –––––
AMP - My AMP AMP First Home Loan new customers changed 16 Oct 6.38% 6.38% 6.63%6.63%6.68%–6.78%
AMP - My AMP Land Loan new customers 8.20% 8.26% –––––
ANZ ANZ Fixed Rate home loan – – 6.69%6.74%6.89%6.89%6.94%
ANZ ANZ Simplicity PLUS 6.79% 6.79% –––––
ANZ ANZ Standard Variable home loan 7.49% 7.49% –––––
ANZ Plus ANZ Plus Home Loan Variable 6.50% 6.50% –––––
Arab Bank Australia Limited Basics Home Loan Special Offer changed 13 Oct 9.54% 9.67% –––––
Arab Bank Australia Limited Essentials Home Loan changed 13 Oct 9.64% 9.69% –––––
Arab Bank Australia Limited Essentials Home Loan Special Offer changed 13 Oct 9.64% 9.69% –––––
Arab Bank Australia Limited The Basics Home Loan changed 13 Oct 9.54% 9.67% –––––
Aussie Elevate Aussie Elevate Basic Home Loan 6.54% 6.56% 6.59%6.59%6.69%6.79%6.79%
Aussie Elevate Aussie Elevate Offset Home Loan 6.59% 6.77% 6.69%6.69%6.79%6.89%6.89%
Australian Military Bank 1 Year Fixed Rate Home Loan changed 16 Oct – – 6.39%––––
Australian Military Bank 2 Year Fixed Rate Home Loan changed 16 Oct – – –6.44%–––
Australian Military Bank 3 Year Fixed Rate Home Loan changed 16 Oct – – ––6.44%––
Australian Military Bank 5 Year Fixed Rate Home Loan changed 16 Oct – – ––––6.49%
Australian Military Bank DHOAS 1 Year Fixed Rate Home Loan changed 16 Oct – – 6.39%––––
Australian Military Bank DHOAS 2 Year Fixed Rate Home Loan changed 16 Oct – – –6.44%–––
Australian Military Bank DHOAS 3 Year Fixed Rate Home Loan changed 16 Oct – – ––6.44%––
Australian Military Bank DHOAS 5 Year Fixed Rate Home Loan changed 16 Oct – – ––––6.49%
Australian Military Bank DHOAS Rate Saver Home Loan changed 16 Oct 6.44% 6.47% –––––
Australian Military Bank DHOAS Standard Variable Home Loan changed 16 Oct 7.04% 7.07% –––––
Australian Military Bank DHOAS Value Home Loan changed 16 Oct 6.59% 6.62% –––––
Australian Military Bank RateSaver Home Loan changed 16 Oct 6.54% 6.57% –––––
Australian Military Bank Standard Variable Home Loan changed 16 Oct 7.19% 7.23% –––––
Australian Military Bank Value Home Loan changed 16 Oct 6.74% 6.77% –––––
Australian Mutual Bank LTD Your Way Fixed Rate Home Loan – – 6.49%6.89%6.99%7.09%7.14%
Australian Mutual Bank LTD Your Way Home Loan 6.19% 6.25% –––––
Australian Mutual Bank LTD Your Way Plus Fixed Home Loan – – 6.39%6.74%6.84%6.89%7.04%
Australian Mutual Bank LTD Your Way Plus Home Loan 6.44% 6.74% –––––
Auswide Bank Ltd BASIC HOME LOAN 6.44% 6.48% –––––
Bank Australia Basic Home Loan changed 16 Oct 6.39% 6.39% –––––
Bank Australia Basic Home Loan Fixed changed 16 Oct – – 6.74%6.79%6.89%–6.99%
Bank Australia Clean Energy Home Loan changed 16 Oct 6.13% 6.46% –––––
Bank Australia Clean Energy Home Loan Fixed changed 16 Oct – – ––6.59%––
Bank Australia Offset Home Loan changed 16 Oct 6.43% 6.62% –––––
Bank Australia Offset Home Loan Fixed changed 16 Oct – – 6.74%6.79%6.89%–6.99%
Bank First Basic Home Loan Variable LVR 70-80% changed 16 Oct 6.34% 6.39% –––––
Bank First Complete Home Loan Owner Occupied 1 year fixed LVR <80% changed 16 Oct – – 6.99%––––
Bank First Complete Home Loan Owner Occupied 2 year fixed LVR <80% changed 16 Oct – – –6.99%–––
Bank First Complete Home Loan Owner Occupied 3 year fixed LVR <80% changed 16 Oct – – ––6.94%––
Bank First Complete Home Loan Owner Occupied 4 year fixed LVR <80% changed 16 Oct – – –––6.89%–
Bank First Complete Home Loan Owner Occupied 5 year fixed LVR <80% changed 16 Oct – – ––––6.89%
Bank First Complete Home Loan Owner Occupied Variable LVR 70-80% changed 16 Oct 6.44% 6.49% –––––
Bank First Premier Package Home Loan Owner Occupied 1 year fixed LVR <80% changed 16 Oct – – 6.89%––––
Bank First Premier Package Home Loan Owner Occupied 2 year fixed LVR <80% changed 16 Oct – – –6.89%–––
Bank First Premier Package Home Loan Owner Occupied 3 year fixed LVR <80% changed 16 Oct – – ––6.84%––
Bank First Premier Package Home Loan Owner Occupied 4 year fixed LVR <80% changed 16 Oct – – –––6.79%–
Bank First Premier Package Home Loan Owner Occupied 5 year fixed LVR <80% changed 16 Oct – – ––––6.79%
Bank First Premier Package Home Loan Owner Occupied Variable LVR 70-80% changed 16 Oct 6.44% 6.82% –––––
Bank of China Discount Home Loan (With Principal and Interest Repayment) 6.18% 6.38% –––––
Bank of China Discount Plus Home Loan (with Principal and Interest Repayment) 6.18% 6.56% –––––
Bank of China Fixed Rate Home Loan (With Principal and Interest Repayment) – – 6.59%6.59%6.79%6.79%6.79%
Bank of China Standard Variable Rate Home Loan 8.64% 8.71% –––––
Bank of Melbourne Basic Variable Home Loan 6.64% 6.65% –––––
Bank of Melbourne Fixed Rate Home Loan – – 6.84%6.84%7.04%7.19%7.24%
Bank of Melbourne Variable Home Loan with Offset 6.74% 7.11% –––––
Bank of Queensland Limited BOQ Essential Home Loan 6.33% 6.35% 6.89%6.79%6.84%6.99%6.99%
Bank of Queensland Limited BOQ Plus Home Loan 6.39% 6.68% 6.89%6.79%6.84%6.99%6.99%
Bank of Queensland Limited Clear Path Variable Home Loan new customers 6.39% 6.51% –––––
Bank of Queensland Limited Economy Variable Home Loan new customers 6.33% 6.47% –––––
Bank of Queensland Limited Fixed Rate Home Loan – – –6.79%6.84%6.99%6.99%
Bank of Sydney BOS Basic Home Loan Owner Occupied changed 16 Oct 6.44% 6.48% –––––
Bank of Sydney Expect More Home Loan Investment changed 16 Oct 6.84% 6.98% –––––
Bank of Sydney Expect More Home Loan Owner Occupied changed 16 Oct 6.64% 6.79% –––––
Bank of Sydney Expect More Home Loan Owner Occupied - Fixed – – 7.29%7.29%–––
Bank of us TOPLINE HOME LOAN changed 16 Oct 6.24% 6.24% –––––
BankSA Basic Variable Home Loan 6.64% 6.65% –––––
BankSA Fixed Rate Home Loan – – 6.84%6.84%7.04%7.19%7.24%
BankSA Variable Home Loan with Offset 6.74% 7.11% –––––
BankVic Fixed Rate Home Loan - 1 year changed 13 Oct 6.35% – 6.39%––––
BankVic Fixed Rate Home Loan - 2 years changed 13 Oct 6.35% – –6.09%–––
BankVic Fixed Rate Home Loan - 3 years changed 13 Oct 6.35% – ––6.39%––
BankVic Fixed Rate Home Loan - 4 years changed 13 Oct 6.35% – –––6.79%–
BankVic Fixed Rate Home Loan - 5 years changed 13 Oct 6.35% – ––––6.79%
BankVic Home Loan Special Variable Rate changed 13 Oct 6.24% 6.24% –––––
BankVic Home Loan Variable Rate changed 13 Oct 6.35% 6.35% –––––
BankVic Offset Police Variable Rate Home Loan changed 13 Oct 6.33% 6.33% –––––
BankVic Offset Variable Rate Home Loan changed 13 Oct 6.39% 6.39% –––––
BankVic Police Variable Home Loan Rate changed 13 Oct 6.29% 6.29% –––––
BankVic Special Police Variable Home Loan Rate changed 13 Oct 6.18% 6.18% –––––
bankWAW Back to Basics Owner Occupied 6.24% 6.29% –––––
bankWAW Flexible Choice Owner Occupied changed 16 Oct 7.24% 7.29% 6.55%6.45%6.40%6.80%6.90%
bankWAW Home Equity Loan Owner Occupied 6.34% 6.37% –––––
Bankwest Bankwest Simple Home Loan 6.49% 6.52% –––––
Bankwest Complete Fixed Home Loan Package – – 6.69%6.79%6.89%6.94%6.99%
Bankwest Complete Variable Home Loan Package 6.49% 6.88% –––––
Bankwest Fixed Rate Home Loan – – 6.79%6.89%6.99%7.04%7.09%
BCU Bank Bridging Loan new customers changed 13 Oct 10.01% 10.04% –––––
BCU Bank Fixed P&I Home Loan changed 13 Oct – – 6.49%6.49%6.69%6.74%6.79%
BCU Bank Offset Home Loan LVR <60 new customers changed 13 Oct 6.39% 6.42% –––––
BCU Bank Offset Home Loan LVR >60-80 new customers changed 13 Oct 6.48% 6.51% –––––
BCU Bank Offset Home Loan LVR >80 new customers changed 13 Oct 6.64% 6.67% –––––
BCU Bank OMG Home Loan (P&I) LVR<60 new customers changed 13 Oct 6.24% 6.27% –––––
BCU Bank OMG Home Loan (P&I) LVR>60-80 new customers changed 13 Oct 6.29% 6.32% –––––
BCU Bank OMG Home Loan (P&I) LVR>80 new customers changed 13 Oct 6.54% 6.57% –––––
Bendigo Bank Bendigo Complete Home Loan 6.43% 6.65% 6.59%6.59%6.69%6.79%6.79%
Bendigo Bank Bendigo Easy Home Loan 6.38% 6.40% 6.49%6.49%6.59%6.69%6.69%
Bendigo Bank Bendigo Express Home Loan 6.14% 6.27% 6.49%6.49%6.59%6.69%6.69%
Bendigo Bank Bendigo Flex Home Loan 6.43% 6.61% 6.59%6.59%6.69%6.79%6.79%
Bendigo Bank Bendigo Flex Home Loan (Retail) 6.43% 6.63% 6.59%6.59%6.69%6.79%6.79%
Bendigo Bank First Home Buyers (Bendigo Complete Home Loan) 6.43% 6.65% 6.59%6.59%6.69%6.79%6.79%
Bendigo Bank Single Parents (Bendigo Complete Home Loan) 6.43% 6.65% 6.59%6.59%6.69%6.79%6.79%
Beyond Bank Australia Home Buyers Scheme Home Loan changed 13 Oct 6.39% 6.74% 6.89%6.59%6.69%––
Beyond Bank Australia Purple Basic Vbl Home Loan changed 13 Oct 6.34% 6.37% –––––
Beyond Bank Australia Standard Home Loans changed 13 Oct 8.95% 9.00% 7.24%6.94%7.04%7.19%7.19%
Beyond Bank Australia Total Home Loan Package changed 13 Oct 6.34% 6.69% 6.89%6.59%6.69%6.84%6.84%
BNK Bank (Goldfields Money/BCHL) Gold Prime Residential Basic Home Loans new customers 6.10% 6.13% –––––
BNK Bank (Goldfields Money/BCHL) Gold Prime Residential Special Home Loans new customers 6.20% 6.23% –––––
BNK Bank (Goldfields Money/BCHL) Prime Alt Doc (BNK) new customers 7.14% 7.21% –––––
BOQ Specialist Basic Home Loan 8.27% 8.45% –––––
BOQ Specialist Home Loan Banking Package 9.87% 10.33% –––––
BOQ Specialist Plus Home Loan 9.69% – –––––
Border Bank Customs Value Home Loan changed 16 Oct 6.24% 6.31% 6.24%6.24%6.09%–6.54%
Border Bank First Home Loan changed 16 Oct 6.09% 6.16% 6.24%6.24%6.09%–6.54%
Border Bank Goldrate Home Loan changed 16 Oct 6.29% 6.36% 6.34%6.34%6.19%–6.64%
Broken Hill Bank Choice Home Loan 5.94% 5.99% –––––
Broken Hill Bank Choice Offset Home Loan 6.54% 6.59% –––––
Broken Hill Bank L22 Secured Personal Loan 13.75% 13.80% –––––
Broken Hill Bank L29 Occupied Housing 6.89% 6.94% –––––
Broken Hill Bank L70 Mortgage Offset Home Loan 8.20% 8.25% –––––
Cairns bank CLASSIC HOME LOAN VARIABLE 60-80 LVR PI 6.29% 6.00% –––––
Cairns bank CLASSIC HOME LOAN VARIABLE 80-90 LVR PI 6.49% 6.20% –––––
Cairns bank CLASSIC HOME LOAN VARIABLE <60 LVR PI 6.24% 5.95% –––––
Cairns bank CLASSIC HOME LOAN VARIABLE >90 LVR PI 6.69% 6.40% –––––
Cairns bank PLUS HOME LOAN FIXED 1YR 60-80 LVR PI – – 6.24%––––
Cairns bank PLUS HOME LOAN FIXED 1YR 80-90 LVR PI – – 6.44%––––
Cairns bank PLUS HOME LOAN FIXED 1YR <60 LVR PI – – 6.19%––––
Cairns bank PLUS HOME LOAN FIXED 1YR >90 LVR PI – – 6.64%––––
Cairns bank PLUS HOME LOAN FIXED 2YR 60-80 LVR PI – – –6.29%–––
Cairns bank PLUS HOME LOAN FIXED 2YR 80-90 LVR PI – – –6.49%–––
Cairns bank PLUS HOME LOAN FIXED 2YR <60 LVR PI – – –6.24%–––
Cairns bank PLUS HOME LOAN FIXED 2YR >90 LVR PI – – –6.69%–––
Cairns bank PLUS HOME LOAN FIXED 3YR 60-80 LVR PI – – ––6.39%––
Cairns bank PLUS HOME LOAN FIXED 3YR 80-90 LVR PI – – ––6.59%––
Cairns bank PLUS HOME LOAN FIXED 3YR <60 LVR PI – – ––6.34%––
Cairns bank PLUS HOME LOAN FIXED 3YR >90 PI – – ––6.79%––
Cairns bank PLUS HOME LOAN VARIABLE 60-80 LVR PI 6.39% 6.32% –––––
Cairns bank PLUS HOME LOAN VARIABLE 80-90 LVR PI 6.59% 6.51% –––––
Cairns bank PLUS HOME LOAN VARIABLE <60 LVR 6.34% 6.27% –––––
Cairns bank PLUS HOME LOAN VARIABLE >90 PI 6.79% 6.71% –––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 12 months - Principal and Interest – – 6.74%––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 36 months - Principal and Interest – – ––7.24%––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest 7.24% 7.30% –––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70% 6.34% 6.40% –––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80% 6.49% 6.55% –––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60% 6.24% 6.30% –––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied - Variable Interst - Principal and Interest - LVR > 80% 7.74% 7.81% –––––
Central Murray Bank HOUSING LOAN (CODE) - Owner Occupied- Fixed Interest - 24 months - Principal and Interest – – –6.99%–––
Central West CUL Minimiser Home Loan 6.89% 6.95% –––––
Central West CUL Premium Smart Home Loan 6.19% 6.25% –––––
Central West CUL Smart Fixed Rate Home Loan 1 year 7.15% – 6.59%––––
Central West CUL Smart Fixed Rate Home Loan 2 year 7.15% – –6.59%–––
Central West CUL Smart Home Loan 7.15% 7.21% –––––
Coastline Bank Classic Home Loan changed 16 Oct 6.49% 6.65% –––––
Coastline Bank First Home Buyer Loan changed 16 Oct 6.14% 6.14% –––––
Coastline Bank Fixed Rate Home Loan changed 16 Oct – – 6.49%6.54%6.59%––
Coastline Bank Staff Housing Loan changed 16 Oct 5.94% 6.01% –––––
Coastline Bank Variable Housing changed 16 Oct 9.46% 9.46% –––––
CommBank 1 Year Fixed Rate Home Loan (Owner Occupied) – – 6.78%––––
CommBank 2 Year Fixed Rate Home Loan (Owner Occupied) – – –6.82%–––
CommBank 3 Year Fixed Rate Home Loan (Owner Occupied) – – ––6.89%––
CommBank 4 Year Fixed Rate Home Loan (Owner Occupied) – – –––6.89%–
CommBank 5 Year Fixed Rate Loan (Owner Occupied) – – ––––6.94%
CommBank Digi Home Loan (Owner Occupied) 6.39% 6.41% –––––
CommBank Simple Home Loan (Owner Occupied) 6.74% 6.88% –––––
CommBank Standard Variable Rate Home Loan (Owner Occupied) 6.74% 7.11% –––––
CommFCU BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest) – – 6.44%––––
CommFCU BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest) – – 6.74%––––
CommFCU BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest) – – –6.39%–––
CommFCU BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest) – – –6.69%–––
CommFCU BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest) – – ––6.29%––
CommFCU BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest) – – ––6.59%––
CommFCU BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest) 6.29% 6.66% –––––
CommFCU BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest) 6.59% 6.96% –––––
CommFCU Community Advantage 1 year fixed Owner Occupied (Principal and Interest) changed 13 Oct – – 6.84%––––
CommFCU Community Advantage 2 year fixed owner occupied (Principal and Interest) changed 13 Oct – – –6.79%–––
CommFCU Community Advantage 3 year fixed Owner Occupied (Principal and Interest) changed 13 Oct – – ––6.94%––
CommFCU Community Advantage Variable Owner Occupied (Principal and Interest) changed 13 Oct 6.79% 6.84% –––––
CommFCU GO BASIC 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest) changed 13 Oct – – 6.54%––––
CommFCU GO BASIC 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest) changed 13 Oct – – 6.84%––––
CommFCU GO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest) changed 13 Oct – – –6.49%–––
CommFCU GO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest) changed 13 Oct – – –6.79%–––
CommFCU GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest) changed 13 Oct – – ––6.39%––
CommFCU GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest) changed 13 Oct – – ––6.69%––
CommFCU Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest) changed 13 Oct 6.15% 6.20% –––––
CommFCU Go Basic Variable Home Loan - Owner-occupied LVR 95% (Principal and Interest) changed 13 Oct 6.45% 6.50% –––––
Connective Select Connective Select Basic Home Loan 6.54% 6.56% 6.59%6.59%6.69%6.79%6.79%
Connective Select Connective Select Offset Home Loan 6.59% 6.77% 6.69%6.69%6.79%6.89%6.89%
Credit Union SA 1-Year Fixed Home Loan Package Principal and Interest – – 6.79%––––
Credit Union SA 1-Year Fixed Home Loan Principal and Interest – – 7.59%––––
Credit Union SA 1-Year Fixed XL Home Loan Package – – 6.79%––––
Credit Union SA 2-Year Fixed Home Loan Package Principal and Interest – – –6.34%–––
Credit Union SA 2-Year Fixed Rate Home Loan Principal and Interest – – –7.14%–––
Credit Union SA 2-Year Fixed XL Home Loan Package – – –6.34%–––
Credit Union SA 3-Year Fixed Home Loan Package Principal and Interest – – ––6.24%––
Credit Union SA 3-Year Fixed Rate Home Loan Principal and Interest – – ––7.04%––
Credit Union SA 3-Year Fixed XL Home Loan Package – – ––6.24%––
Credit Union SA Discounted Variable Rate Home Loan Principal and Interest 7.29% 7.32% –––––
Credit Union SA Standard Variable Rate Home Loan Principal and Interest 7.49% 7.54% –––––
Credit Union SA Variable Home Loan Package Principal and Interest 7.24% 7.59% –––––
Credit Union SA Variable Home Loan Package Specials 6.34% 6.71% –––––
Credit Union SA XL Home Loan Package 6.34% 6.71% –––––
Darling Downs Bank CLASSIC HOME LOAN changed 16 Oct 8.40% 8.45% –––––
Darling Downs Bank CLASSIC HOME LOAN changed 16 Oct – – 8.24%––––
Darling Downs Bank CLASSIC HOME LOAN changed 16 Oct – – –8.29%–––
Darling Downs Bank ESSENTIAL HOME LOAN changed 16 Oct 6.64% 6.79% –––––
Darling Downs Bank PACKAGE HOME LOANS – – 6.74%––––
Darling Downs Bank PACKAGE HOME LOANS changed 16 Oct 6.99% 7.36% –––––
Darling Downs Bank PACKAGE HOME LOANS changed 16 Oct – – –6.79%–––
Defence Bank DHOAS Premier Home Loan 6.54% 6.54% –––––
Defence Bank DHOAS Premier Low Rate 6.19% 6.19% –––––
Defence Bank Premier Home Loan 6.59% 6.59% –––––
Defence Bank Premier Low Rate 6.24% 6.24% –––––
Defence Bank Ultimate Essentials DHOAS changed 13 Oct 6.74% 6.88% –––––
Defence Bank Ultimate Essentials DHOAS Construction (OO) 6.69% 6.79% –––––
Defence Bank Ultimate Essentials DHOAS Fix – – 6.39%6.49%6.55%6.55%6.55%
Defence Bank Ultimate Essentials Fixed – – 6.39%6.49%6.55%6.55%6.55%
Defence Bank Ultimate Essentials Variable 6.74% 6.84% –––––
Dnister Premier HL Fixed Interest Rate – – 6.41%6.42%6.51%6.55%6.59%
Dnister Premier Home Loan 6.70% 6.79% –––––
Dnister Simple Home Loan 6.54% 6.93% –––––
Dnister Simple Home Loan Plus 6.60% 7.09% –––––
Dnister STD VAR Home Loan 6.85% 6.94% –––––
Easy Street 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) changed 16 Oct – – 6.54%––––
Easy Street 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) changed 16 Oct – – –6.54%–––
Easy Street 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) changed 16 Oct – – ––6.44%––
Easy Street STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest) changed 16 Oct 6.29% 6.34% –––––
Fire Service Credit Union L25 Firefighter Package changed 16 Oct 6.14% 6.41% –––––
Fire Service Credit Union L26 Home Loan changed 16 Oct 6.69% 6.70% –––––
Fire Service Credit Union L5 Mortgage Insured Home Loan changed 16 Oct 6.34% 6.35% –––––
Firefighters Mutual Bank Your Way Fixed Rate Home Loan – – 6.49%6.89%6.99%7.09%7.14%
Firefighters Mutual Bank Your Way Home Loan 6.19% 6.25% –––––
Firefighters Mutual Bank Your Way Plus Fixed Home Loan – – 6.39%6.74%6.84%6.89%7.04%
Firefighters Mutual Bank Your Way Plus Home Loan 6.44% 6.74% –––––
First Option Bank COMPLETE PACKAGE HOME LOAN 6.24% 6.59% –––––
First Option Bank SIMPLE HOME LOAN 6.19% 6.19% –––––
Gateway Bank Allium Money Essentials changed 13 Oct 6.19% 6.19% –––––
Gateway Bank Allium Money Premium changed 13 Oct 6.24% 6.24% –––––
Gateway Bank Construction Loan Var Rate changed 13 Oct 8.93% 9.00% –––––
Gateway Bank Green Home Loan changed 13 Oct 6.35% 6.63% –––––
Gateway Bank Green Plus Home Loan changed 13 Oct 6.10% 6.38% –––––
Gateway Bank Home Loan - Variable Rate changed 13 Oct 8.93% 9.00% –––––
Gateway Bank Home Loan 1yr Fixed Rate changed 13 Oct – – 6.94%––––
Gateway Bank Home Loan 2yr Fixed Rate changed 13 Oct – – –7.04%–––
Gateway Bank Home Loan 3yr Fixed Rate changed 13 Oct – – ––7.14%––
Gateway Bank Home Loan 5yr Fixed changed 13 Oct – – ––––7.34%
Gateway Bank Land Loan Variable Rate changed 13 Oct 8.93% 9.00% –––––
Gateway Bank Low Rate Essentials changed 13 Oct 6.14% 6.16% –––––
Gateway Bank Premium Package changed 16 Oct 6.24% 6.52% –––––
Gateway Bank Premium Package 1Yr Fixed changed 13 Oct – – 6.54%––––
Gateway Bank Premium Package 2Yr Fixed changed 13 Oct – – –6.59%–––
Gateway Bank Premium Package 3Yr Fixed changed 13 Oct – – ––6.69%––
Gateway Bank Premium Package 5yr Fixed changed 13 Oct – – ––––7.09%
gmcu Fixed Rate Home Loan – – 6.24%6.19%6.59%––
gmcu Standard Variable Plus 6.19% 6.35% –––––
Great Southern Bank 1 year Fixed Rate OO P&I – – 6.75%––––
Great Southern Bank 2 year Fixed Rate OO P&I – – –6.75%–––
Great Southern Bank 3 year Fixed Rate OO P&I – – ––6.75%––
Great Southern Bank 5 year Fixed Rate OO P&I – – ––––6.80%
Great Southern Bank Basic Variable OO P&I 8.25% 6.55% –––––
Great Southern Bank Offset Variable OO P&I 8.45% 6.70% –––––
Greater Bank Discounted Great Rate Home Loan - Variable Owner Occupied new customers 6.09% 6.10% –––––
Greater Bank Discounted Ultimate Packaged Home Loan - Variable Owner Occupied new customers 6.44% 6.80% –––––
Greater Bank Great Rate Home Loan - Fixed 1 Year Owner Occupied – – 6.44%––––
Greater Bank Great Rate Home Loan - Fixed 2 Year Owner Occupied – – –6.44%–––
Greater Bank Great Rate Home Loan - Fixed 3 Year Owner Occupied – – ––6.39%––
Greater Bank Great Rate Home Loan - Fixed 4 Year Owner Occupied – – –––6.54%–
Greater Bank Great Rate Home Loan - Fixed 5 Year Owner Occupied – – ––––6.54%
Greater Bank Great Rate Home Loan - Variable Owner Occupied 8.11% 8.12% –––––
Greater Bank Ultimate Packaged Home Loan - Fixed 1 Year Owner Occupied – – 6.39%––––
Greater Bank Ultimate Packaged Home Loan - Fixed 2 Year Owner Occupied – – –6.39%–––
Greater Bank Ultimate Packaged Home Loan - Fixed 3 Year Owner Occupied – – ––6.34%––
Greater Bank Ultimate Packaged Home Loan - Fixed 4 Year Owner Occupied – – –––6.49%–
Greater Bank Ultimate Packaged Home Loan - Fixed 5 Year Owner Occupied – – ––––6.49%
Greater Bank Ultimate Packaged Home Loan - Variable Owner Occupied 7.91% 8.26% –––––
Health Professionals Bank Your Way Fixed Rate Home Loan – – 6.49%6.89%6.99%7.09%7.14%
Health Professionals Bank Your Way Home Loan 6.19% 6.25% –––––
Health Professionals Bank Your Way Plus Fixed Home Loan – – 6.39%6.74%6.84%6.89%7.04%
Health Professionals Bank Your Way Plus Home Loan 6.44% 6.74% –––––
Horizon Bank 1 Year Fixed Home Loan – – 6.29%––––
Horizon Bank 2 Year Fixed Home Loan – – –6.39%–––
Horizon Bank 3 Year Fixed Home Loan – – ––6.49%––
Horizon Bank 5 Year Fixed Home Loan – – ––––6.79%
Horizon Bank First Home Buyer Loan 6.14% 6.15% –––––
Horizon Bank Home Sweet Home Loan 6.89% 7.12% –––––
Hume Bank liteBlue Deposit Scheme O/Occ P+I (up to 98%LVR) changed 16 Oct 6.24% 6.25% –––––
Hume Bank liteBlue FHB Non Scheme O/Occ P+I (up to 95%LVR) changed 16 Oct 6.24% 6.25% –––––
Hume Bank liteBlue O/Occ P+I (60%-80% LVR) changed 16 Oct 6.34% 6.35% –––––
Hume Bank liteBlue O/Occ P+I (80%-90% LVR) changed 16 Oct 6.54% 6.55% –––––
Hume Bank liteBlue O/Occ P+I (90%-95% LVR) changed 16 Oct 6.94% 6.95% –––––
Hume Bank liteBlue O/Occ P+I (up to 60%LVR) changed 16 Oct 6.24% 6.25% –––––
Hume Bank myBlue 1 Year Fix O/Occ P+I (60.01 -80.00% LVR) changed 16 Oct – – 6.39%––––
Hume Bank myBlue 1 Year Fix O/Occ P+I (80.01-90.00% LVR) changed 16 Oct – – 6.59%––––
Hume Bank myBlue 1 Year Fix O/Occ P+I (90.01 -95.00% LVR) changed 16 Oct – – 6.69%––––
Hume Bank myBlue 1 Year Fix O/Occ P+I (up to 60% LVR) changed 16 Oct – – 6.39%––––
Hume Bank myBlue 2 Year Fix O/Occ P+I (60.01 - 80.00% LVR) changed 16 Oct – – –6.39%–––
Hume Bank myBlue 2 Year Fix O/Occ P+I (80.01-90.00% LVR) changed 16 Oct – – –6.59%–––
Hume Bank myBlue 2 Year Fix O/Occ P+I (90.01 -95.00% LVR) changed 16 Oct – – –6.69%–––
Hume Bank myBlue 2 Year Fix O/Occ P+I (up to 60% LVR) changed 16 Oct – – –6.39%–––
Hume Bank myBlue 3 Year Fix O/Occ P+I (60.01 - 80.00% LVR) changed 16 Oct – – ––6.49%––
Hume Bank myBlue 3 Year Fix O/Occ P+I (80.01-90.00% LVR) changed 16 Oct – – ––6.69%––
Hume Bank myBlue 3 Year Fix O/Occ P+I (90.01 -95.00% LVR) changed 16 Oct – – ––6.79%––
Hume Bank myBlue 3 Year Fix O/Occ P+I (up to 60% LVR) changed 16 Oct – – ––6.49%––
Hume Bank myBlue 4 Year Fix O/Occ P+I (60.01 - 80.00% LVR) changed 16 Oct – – –––6.59%–
Hume Bank myBlue 4 Year Fix O/Occ P+I (80.01-90.00% LVR) changed 16 Oct – – –––6.79%–
Hume Bank myBlue 4 Year Fix O/Occ P+I (90.01 -95.00% LVR) changed 16 Oct – – –––6.89%–
Hume Bank myBlue 4 Year Fix O/Occ P+I (up to 60% LVR) changed 16 Oct – – –––6.59%–
Hume Bank myBlue 5 Year Fix O/Occ P&I (90.01 -95.00% LVR) changed 16 Oct – – ––––6.99%
Hume Bank myBlue 5 Year Fix O/Occ P+I (60.01 - 80.00% LVR) changed 16 Oct – – ––––6.69%
Hume Bank myBlue 5 Year Fix O/Occ P+I (80.01-90.00% LVR) changed 16 Oct – – ––––6.89%
Hume Bank myBlue 5 Year Fix O/Occ P+I (up to 60% LVR) changed 16 Oct – – ––––6.69%
Hume Bank myBlue Deposit Scheme 1 Year Fix O/Occ P+I (up to 98% LVR) changed 16 Oct – – 6.39%––––
Hume Bank myBlue Deposit Scheme 2 Year Fix O/Occ P+I (up to 98% LVR) changed 16 Oct – – –6.39%–––
Hume Bank myBlue Deposit Scheme 3 Year Fix O/Occ P+I (up to 98% LVR) changed 16 Oct – – ––6.49%––
Hume Bank myBlue Deposit Scheme 4 Year Fix O/Occ P+I (up to 98% LVR) changed 16 Oct – – –––6.59%–
Hume Bank myBlue Deposit Scheme 5 Year Fix O/Occ P+I (up to 98% LVR) changed 16 Oct – – ––––6.69%
Hume Bank myBlue Deposit Scheme Variable O/Occ P+I (up to 98% LVR) changed 16 Oct 6.34% 6.34% –––––
Hume Bank myBlue FHB Non Scheme 1 Year Fix O/Occ P+I (up to 95% LVR) changed 16 Oct – – 6.39%––––
Hume Bank myBlue FHB Non Scheme 2 Year Fix O/Occ P+I (up to 95% LVR) changed 16 Oct – – –6.39%–––
Hume Bank myBlue FHB Non Scheme 3 Year Fix O/Occ P+I (up to 95% LVR) changed 16 Oct – – ––6.49%––
Hume Bank myBlue FHB Non Scheme 4 Year Fix O/Occ P+I (up to 95% LVR) changed 16 Oct – – –––6.59%–
Hume Bank myBlue FHB Non Scheme 5 Year Fix O/Occ P+I (up to 95% LVR) changed 16 Oct – – ––––6.69%
Hume Bank myBlue FHB Non Scheme Variable O/Occ P+I (up to 95% LVR) changed 16 Oct 6.34% 6.34% –––––
Hume Bank myBlue Variable O/Occ P+I (60.01 - 80.00% LVR) changed 16 Oct 6.44% 6.44% –––––
Hume Bank myBlue Variable O/Occ P+I (80.01-90.00% LVR) changed 16 Oct 6.64% 6.64% –––––
Hume Bank myBlue Variable O/Occ P+I (90.01 -95.00% LVR) changed 16 Oct 7.04% 7.04% –––––
Hume Bank myBlue Variable O/Occ P+I (up to 60% LVR) changed 16 Oct 6.34% 6.34% –––––
IMB Bank 1 year Fixed Rate Home Loan – – 6.49%––––
IMB Bank 2 year Fixed Rate Home Loan – – –6.49%–––
IMB Bank 3 year Fixed Rate Home Loan – – ––6.49%––
IMB Bank 4 year Fixed Rate Home Loan – – –––6.69%–
IMB Bank 5 year Fixed Rate Home Loan – – ––––6.69%
IMB Bank Budget Home Loan 6.29% 6.32% –––––
IMB Bank Essentials Home Loan 6.39% 6.50% –––––
IMB Bank Standard Variable Home Loan 9.21% 9.28% –––––
ING BANK (Australia) Ltd Fixed Rate Loan – – 6.64%6.59%6.74%6.84%6.84%
ING BANK (Australia) Ltd Mortgage Simplifier 6.34% 6.37% –––––
ING BANK (Australia) Ltd Orange Advantage 6.44% 6.73% –––––
Judo Bank Home Loan changed 16 Oct 8.90% 8.92% 9.46%9.43%9.34%9.54%9.56%
Laboratories Credit Union Bridging Loan Owner Occupied Variable 7.49% 7.51% –––––
Laboratories Credit Union First Home Buyer Loan Variable 6.60% 6.47% –––––
Laboratories Credit Union Intelligent Mortgage 1 Year Fixed 6.60% 6.61% 6.55%––––
Laboratories Credit Union Intelligent Mortgage 2 Years Fixed 6.60% 6.63% –6.65%–––
Laboratories Credit Union Intelligent Mortgage Variable 6.60% 6.62% –––––
Liberty Financial Australian Government 5% Deposit Scheme 7.34% 7.61% –––––
Liberty Financial Debt consolidation home loan 6.84% 7.11% –––––
Liberty Financial Flexible home loan 6.84% 7.11% –––––
Liberty Financial Fresh start home loan 7.39% 7.73% –––––
Liberty Financial Low deposit home loan 9.14% 9.89% –––––
Liberty Financial Low doc home loan 7.24% 7.51% –––––
Liberty Financial Low rate home loan 6.74% 6.82% –––––
Macquarie Bank Limited Macquarie Basic Home Loan changed 16 Oct 6.34% 6.36% 6.54%6.64%6.64%6.69%6.69%
Macquarie Bank Limited Macquarie Offset Home Loan changed 16 Oct 6.34% 6.59% 6.54%6.64%6.64%6.69%6.69%
Maitland Mutual Limited Budget Home Loan changed 16 Oct 6.04% 6.04% –––––
Maitland Mutual Limited Package Home Loan changed 16 Oct 6.44% 6.80% 6.34%6.34%6.44%––
Maitland Mutual Limited Standard Home Loan changed 16 Oct 8.88% 8.91% 6.44%6.44%6.54%––
ME Bank - ME Go ME Bank CompleteME Home Loan 6.34% 6.72% 6.89%6.79%6.84%6.99%6.99%
ME Bank - ME Go ME Bank EconoME Home Loan 6.29% 6.31% 6.89%6.79%6.84%6.99%6.99%
MoveBank Everyday Home Loan changed 16 Oct 6.09% – 6.49%6.49%6.44%–6.64%
MoveBank Offset Home Loan changed 16 Oct 6.29% – 6.69%6.69%6.64%–6.84%
MyState Bank Basic Variable Loan changed 16 Oct 6.19% 6.22% –––––
MyState Bank Fixed Rate Loan changed 16 Oct – – 6.54%6.54%6.59%–6.89%
MyState Bank Special Residential Variable Loan changed 16 Oct 6.19% 6.24% –––––
MyState Bank Standard Variable Loan 8.37% 8.43% –––––
NATIONAL AUSTRALIA BANK NAB Base Variable Rate Home Loan 6.69% 6.69% –––––
NATIONAL AUSTRALIA BANK NAB Defence Force Home Loan 6.29% 6.42% 6.79%6.81%6.92%6.92%6.94%
NATIONAL AUSTRALIA BANK NAB Tailored Home Loan 6.44% 6.57% 6.79%6.81%6.92%6.92%6.94%
Newcastle Permanent Fixed Rate Home Loan Principal and Interest – – 6.49%6.49%6.49%6.59%6.59%
Newcastle Permanent Premium Plus Package Fixed Rate Home Loan Principal and Interest – – 6.39%6.39%6.39%6.49%6.49%
Newcastle Permanent Premium Plus Package Variable Home Loan Principal and Interest 6.39% 6.73% –––––
Newcastle Permanent Real Deal Home Loan Principal and Interest 6.19% 6.23% –––––
Northern Inland Credit Union Limited Dream Home Loan New Borrowing 6.24% 6.58% –––––
Northern Inland Credit Union Limited Dream Home Loan Variable PI Owner Occupied 6.69% 7.03% –––––
Northern Inland Credit Union Limited Smart Home Loan Fixed 12M – – 6.29%––––
Northern Inland Credit Union Limited Smart Home Loan Fixed 24M – – –6.39%–––
Northern Inland Credit Union Limited Smart Home Loan Fixed 36M – – ––6.59%––
Northern Inland Credit Union Limited Smart Home Loan Variable 7.69% 7.86% –––––
Northern Inland Credit Union Limited Value Home Loan - Fixed 12M – – 5.99%––––
Northern Inland Credit Union Limited Value Home Loan - Owner Occupied 5.94% 5.98% –––––
NRMA Home Loans NRMA Basic Home Loan 6.33% 6.37% 6.59%6.59%6.69%6.79%6.79%
NRMA Home Loans NRMA Offset Home Loan 6.33% 6.53% 6.59%6.59%6.69%6.79%6.79%
ORANGE CREDIT UNION LTD Basic Variable Rate Home Loan 6.39% 6.44% –––––
ORANGE CREDIT UNION LTD Premium Home Loan Fixed 12 mths Interest Only Owner Occupied 6.54% – –––––
ORANGE CREDIT UNION LTD Premium Home Loan Fixed 12 mths P&I Owner Occupied 6.54% – 6.44%––––
ORANGE CREDIT UNION LTD Premium Home Loan Fixed 24 mths Interest Only Owner Occupied 6.54% – –––––
ORANGE CREDIT UNION LTD Premium Home Loan Fixed 24 mths P&I Owner Occupied 6.54% – –6.34%–––
ORANGE CREDIT UNION LTD Premium Home Loan Fixed 36 mths Interest Only Owner Occupied 6.54% – –––––
ORANGE CREDIT UNION LTD Premium Home Loan Fixed 36 mths P&I Owner Occupied 6.54% – ––6.64%––
ORANGE CREDIT UNION LTD Premium Home Loan Variable 6.64% 6.69% –––––
P&N Bank Basic Variable HL LVR <60 new customers changed 13 Oct 6.38% 6.41% –––––
P&N Bank Basic Variable HL LVR >60-70 new customers changed 13 Oct 6.42% 6.45% –––––
P&N Bank Basic Variable HL LVR >70-80 new customers changed 13 Oct 6.44% 6.47% –––––
P&N Bank Basic Variable HL LVR >80-90 new customers changed 13 Oct 6.74% 6.77% –––––
P&N Bank Basic Variable HL LVR >90-95 new customers changed 13 Oct 7.04% 7.07% –––––
P&N Bank Fixed Home Loan (P&I) LVR <80 changed 13 Oct – – 6.49%–6.69%6.74%6.79%
P&N Bank Fixed Home Loan (P&I) LVR >80 changed 13 Oct – – 6.59%6.59%6.79%6.84%6.89%
P&N Bank Offset Variable HL LVR<60 new customers changed 13 Oct 6.42% 6.45% –––––
P&N Bank Offset Variable HL LVR>60-70 new customers changed 13 Oct 6.44% 6.47% –––––
P&N Bank Offset Variable HL LVR>80-90 new customers changed 13 Oct 6.92% 6.95% –––––
P&N Bank Offset Variable HL LVR>90-95 new customers changed 13 Oct 7.45% 7.48% –––––
P&N Bank Offset Variable HL>70-80 new customers changed 13 Oct 6.60% 6.63% –––––
People First and Heritage Bank Basic Variable Home Construction changed 13 Oct 8.43% 8.43% –––––
People First and Heritage Bank Basic Variable Home Loan changed 13 Oct 8.43% 8.43% –––––
People First and Heritage Bank Discount Variable - Owner Occupied changed 13 Oct 6.34% 6.35% –––––
People First and Heritage Bank Fee Assistance Loan - Sub 0.00% – –––––
People First and Heritage Bank Home Build Access (HBA) SIL 9.05% – –––––
People First and Heritage Bank Staff Home Loan changed 13 Oct 8.18% – –––––
People First and Heritage Bank Standard Fixed Rate Home Loans - Owner Occupied changed 13 Oct – – 6.49%6.54%6.54%–6.54%
Police Bank Essential Workers Home Loan changed 16 Oct 6.34% 6.41% 6.24%6.24%6.14%–6.54%
Police Bank First Home Loan changed 16 Oct 6.09% 6.16% 6.24%6.24%6.09%–6.54%
Police Bank Goldrate Home Loan changed 16 Oct 6.29% 6.36% 6.34%6.34%6.19%–6.64%
Police Bank Police Value Home Loan changed 16 Oct 6.24% 6.31% 6.24%6.24%6.09%–6.54%
Police Credit Union Ltd 1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied – – 6.19%––––
Police Credit Union Ltd 1 Year Fixed Rate Home Loan 95% LVR - First Home Buyer – – 6.09%––––
Police Credit Union Ltd 2 Year Fixed Rate Home Loan 80% LVR - Owner Occupied – – –6.29%–––
Police Credit Union Ltd 2 Year Fixed Rate Home Loan 95% LVR - First Home Buyer – – –6.19%–––
Police Credit Union Ltd 3 Year Fixed Rate Home Loan 80% LVR - Owner Occupied – – ––6.29%––
Police Credit Union Ltd 3 Year Fixed Rate Home Loan 95% LVR - First Home Buyer – – ––6.19%––
Police Credit Union Ltd 4 Year Fixed Rate Home Loan 80% LVR - Owner Occupied – – –––6.49%–
Police Credit Union Ltd 4 Year Fixed Rate Home Loan 95% LVR - First Home Buyer – – –––6.39%–
Police Credit Union Ltd 5 Year Fixed Rate Home Loan 80% LVR - Owner Occupied – – ––––6.49%
Police Credit Union Ltd 5 Year Fixed Rate Home Loan 95% LVR - First Home Buyer – – ––––6.39%
Police Credit Union Ltd Better Home Loan 80% LVR - Owner Occupied 6.94% 7.01% –––––
Police Credit Union Ltd Better Home Loan 95% LVR - First Home Buyer 6.84% 6.91% –––––
Police Credit Union Ltd Low Rate Home Loan - First Home Buyer 6.14% 6.18% –––––
Police Credit Union Ltd Low Rate Home Loan - Owner Occupied 6.39% 6.46% –––––
Police Credit Union Ltd Low Rate Home Loan Special Offer - Owner Occupied 6.14% 6.18% –––––
Police Credit Union Ltd Renovation Loan - Owner Occupied 6.39% 6.46% –––––
Police Credit Union Ltd Standard Variable Home Loan 80% LVR - Owner Occupied 7.74% 7.81% –––––
Police Credit Union Ltd Standard Variable Home Loan 95% LVR - First Home Buyer 7.74% 7.81% –––––
Qantas Money Basic/Offset Home Loans QANTAS Money Basic Home Loan 6.38% 6.45% 6.54%6.54%6.64%6.74%6.74%
Qantas Money Basic/Offset Home Loans QANTAS Money Offset Home Loan 6.38% 6.61% 6.54%6.54%6.64%6.74%6.74%
QBANK 1 Year Fixed Home Loan changed 16 Oct – – 6.54%––––
QBANK 2 Year Fixed Home Loan changed 16 Oct – – –6.49%–––
QBANK 3 Year Fixed Home Loan changed 16 Oct – – ––6.49%––
QBANK 4 Year Fixed Home Loan changed 16 Oct – – –––6.69%–
QBANK 5 Year Fixed Home Loan changed 16 Oct – – ––––6.64%
QBANK Classic Home Loan changed 16 Oct 6.34% 6.36% –––––
QBANK Classic Plus Home Loan changed 16 Oct 6.44% 6.71% –––––
Qudos Bank Fixed Rate Home Loan changed 16 Oct – – 6.74%6.79%6.89%6.99%6.99%
Qudos Bank Low Cost Value Package changed 16 Oct 6.43% 6.61% –––––
Qudos Bank No Frills Home Loan changed 16 Oct 6.39% 6.39% –––––
Queensland Country Bank Home Loan-Fixed changed 16 Oct – – 6.64%6.64%6.64%––
Queensland Country Bank Home Loan-Package changed 16 Oct 6.24% 6.25% –––––
Queensland Country Bank Home Loan-Package Fixed Rate changed 16 Oct – – 6.49%6.29%6.49%––
Queensland Country Bank Home Loan-Variable Rate changed 16 Oct 8.99% 9.14% –––––
RACQ Bank 1 Year Fixed Home Loan Owner Occupier changed 13 Oct – – 6.69%––––
RACQ Bank 2 Year Fixed Home Loan Owner Occupier changed 13 Oct – – –6.74%–––
RACQ Bank 3 Year Fixed Home Loan Owner Occupier changed 13 Oct – – ––6.74%––
RACQ Bank 5 Year Fixed Home Loan Owner Occupier changed 13 Oct – – ––––6.94%
RACQ Bank Fair Dinkum Home Loan changed 13 Oct 6.54% 6.54% –––––
RACQ Bank Green Home Loan 2.79% 2.79% –––––
RACQ Bank Mortgage Breaker Owner Occupied changed 13 Oct 6.74% 6.78% –––––
RACQ Bank Mortgage Saver Home Loan changed 13 Oct 6.64% 6.68% –––––
Regional Australia Bank Regional Australia Bank Home Loan (Fixed Owner Occupied) – – 6.39%6.42%6.41%6.66%6.81%
Regional Australia Bank Regional Australia Bank Home Loan (Non Offset) 6.04% 6.07% –––––
Regional Australia Bank Regional Australia Bank Home Loan (Offset) 6.25% 6.28% –––––
Southern Cross Credit Union BROKER HOME LOAN 5.93% 6.28% 6.14%6.24%6.34%6.54%6.64%
Southern Cross Credit Union EMONEY HOME LOAN 5.93% 6.28% 6.14%6.24%6.34%6.54%6.64%
Southern Cross Credit Union LJH 5STAR HOME LOAN 5.93% 6.28% 6.14%6.24%6.34%6.54%6.64%
Southern Cross Credit Union PREMIUM HOME LOAN 5.93% 6.28% 6.14%6.24%6.34%6.54%6.64%
St.George Bank Basic Variable Home Loan 6.64% 6.65% –––––
St.George Bank Fixed Rate Home Loan – – 6.84%6.84%7.04%7.19%7.24%
St.George Bank Variable Home Loan with Offset 6.74% 7.11% –––––
Summerland Bank Basic Variable Home Loan 5.89% 5.95% –––––
Summerland Bank ECO Home Loan 5.84% 5.90% –––––
Summerland Bank Fixed Rate Loan – – 6.35%6.38%6.37%6.62%6.77%
Summerland Bank Premium Variable Home Loan 5.99% 6.36% –––––
SWSbank Intro Discounted Standard Variable Home Loan 6.10% – –––––
SWSbank Intro Discounted Standard Variable Home Loan 6.10% – –––––
SWSbank Optimum 1 Year Fixed Rate Home Loan 6.10% – 6.70%––––
SWSbank Optimum 2 Year Fixed Rate Home Loan 6.10% – –6.94%–––
SWSbank Optimum 3 Year Fixed Rate Home Loan 6.10% – ––6.84%––
SWSbank Standard Variable Rate Home Loan 6.10% 6.10% –––––
Teachers Mutual Bank Your Way Fixed Rate Home Loan – – 6.49%6.89%6.99%7.09%7.14%
Teachers Mutual Bank Your Way Home Loan 6.19% 6.25% –––––
Teachers Mutual Bank Your Way Plus Fixed Home Loan – – 6.39%6.74%6.84%6.89%7.04%
Teachers Mutual Bank Your Way Plus Home Loan 6.44% 6.74% –––––
The Capricornian Access Equity Home Loan 8.09% 8.14% –––––
The Capricornian Lifestyle Home Loan 6.94% 6.99% 6.54%6.64%6.84%––
The Capricornian Mortgage Plus Home Loan 9.23% – –––––
The Capricornian No Frills Owner Occupied Home Loan 6.24% 6.29% –––––
The Capricornian Premium Choice Home Loan 7.45% 7.50% 6.24%6.34%6.54%––
The Capricornian Variable Rate Offset Home Loan 6.44% 6.44% –––––
The Mac BASIC VARIABLE LOAN OWNER OCCUPIED P&I 7.92% 7.99% –––––
The Mac BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K 7.82% 7.89% –––––
The Mac BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K 7.72% 7.79% –––––
The Mac BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K 7.62% 7.69% –––––
The Mac FIRST HOME BUYERS OWNER OCCUPIED P&I 5.92% 5.98% –––––
The Mac GOVT LOW DEP 1YR FIXED OOC PI – – 6.29%––––
The Mac GOVT LOW DEP 2YR FIXED OOC PI – – –6.39%–––
The Mac GOVT LOW DEP 3YR FIXED OOC PI – – ––6.39%––
The Mac LOW LVR OOC P&I 6.74% 6.81% –––––
The Mac MORTGAGE 1YR FIXED OWNER OCCUPIED P&I – – 6.29%––––
The Mac MORTGAGE 2YR FIXED OWNER OCCUPIED P&I – – –6.39%–––
The Mac MORTGAGE 3YR FIXED OWNER OCCUPIED P&I – – ––6.39%––
The Mac MORTGAGE OFFSET OWNER OCCUPIED P&I 7.92% 7.99% –––––
Tiimely Home Tiimely Basic Home Loan 6.29% 6.30% 6.49%6.49%6.59%6.69%6.69%
Tiimely Home Tiimely Offset Home Loan 6.29% 6.46% 6.49%6.49%6.59%6.69%6.69%
TMCU 1 YEAR FIXED INTEREST ONLY 7.24% – –––––
TMCU 1 YEAR FIXED RATE LOAN 6.14% – 6.24%––––
TMCU 2 FIXED RATE HOME LOAN 6.14% – –6.54%–––
TMCU 2 YEAR FIXED INTEREST ONLY 7.24% – –––––
TMCU BASIC VARIABLE LOAN 6.49% 6.59% –––––
TMCU HOME EQUITY LOAN 7.74% 7.85% –––––
TMCU REFI SPECIAL OWNER OCCUPIED 6.14% 6.24% –––––
TMCU STANDARD VARIABLE LOAN 6.74% 6.84% –––––
TMCU VARIABLE INTEREST ONLY 7.24% – –––––
UBank Flex - Fixed OO P&I – – 6.74%6.79%6.84%–6.99%
UBank Flex - Variable OO P&I 6.39% 6.63% –––––
UBank Neat - OO Variable P&I 6.39% 6.41% –––––
UniBank Your Way Fixed Rate Home Loan – – 6.49%6.89%6.99%7.09%7.14%
UniBank Your Way Home Loan 6.19% 6.25% –––––
UniBank Your Way Plus Fixed Home Loan – – 6.39%6.74%6.84%6.89%7.04%
UniBank Your Way Plus Home Loan 6.44% 6.74% –––––
Unity Bank Advantage Home Loan - Owner Occupied - Variable P&I - With Offset 6.44% 6.49% –––––
Unity Bank Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset 6.34% 6.39% –––––
Unity Bank Australian Government 5% Deposit Scheme 6.15% 6.20% –––––
Unity Bank Essential Worker Home Loan - Owner Occupier 6.05% 6.10% –––––
Unity Bank First Home Buyer Loan - Owner Occupied - SO 6.15% 6.20% –––––
Unity Bank Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths – – 6.50%––––
Unity Bank Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths changed 16 Oct – – –6.35%–––
Unity Bank Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths – – ––6.50%––
Unity Bank Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths – – –––6.65%–
Unity Bank Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths – – ––––6.65%
Unity Bank Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO 6.34% 6.39% –––––
Unity Bank Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO 6.24% 6.29% –––––
Unity Bank Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO 6.44% 6.49% –––––
Unity Bank Vic Homebuyer Fund 6.15% 6.18% –––––
Unloan Unloan Home Loan new customers changed 16 Oct 6.14% 6.05% –––––
Up Up Home Loan 6.20% 6.20% 6.45%6.45%6.55%6.65%6.65%
Virgin Money Virgin Money Lite Home Loan 6.09% 6.11% 6.89%6.79%6.84%6.99%6.99%
Virgin Money Virgin Money Loaded Home Loan 6.39% 6.68% 6.89%6.79%6.84%6.99%6.99%
Westpac Fixed Rate Home Loan – – 6.84%6.84%7.04%7.19%7.24%
Westpac Flexi First : Our lowest online variable home loan rate (Owner Occupied) 6.34% 6.35% –––––
Westpac Flexi First Option Home Loan - Veterans 3.25% – –––––
Westpac Rocket Loan : Variable Home Loan with Offset (Owner Occupied) 6.74% 7.11% –––––
Westpac Sustainable Upgrades Home Loan 4.74% 4.74% –––––
Woolworths Team Bank Flexible Home Loan Owner Occupied 6.59% 6.68% –––––
Woolworths Team Bank Plain and Simple Home Loan Owner Occupied 6.49% 6.58% 6.64%6.79%6.69%––
Woolworths Team Bank Team Member Home Loan 6.29% 6.38% –––––
Woolworths Team Bank Team Member Home Loan - No Offset 6.19% 6.28% 6.64%6.79%6.69%––

Fixed rates are on the bank pages too. The comparison rate is worked out on a $150,000 loan over 25 years, as the law sets out, so it may not match your loan.

Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.

General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.

Free, independent help with a home loan or money worries: the National Debt Helpline on 1800 007 007 or ndh.org.au. Moneysmart has a mortgage calculator for your own numbers.

Source: each bank's own product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at the bank.