Lowest Rate Home Loans

Variable Rates Top 3 · Sign up for more

Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Gateway Bank Green Plus Home Loan 5.85% NA Yes Yes NA View NA
2 Bank Australia Clean Energy Home Loan 5.88% 0-90% Yes Yes NA View NA
3 Gateway Bank Low Rate Essentials 5.89% NA Yes No NA View NA
Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Gateway Bank Allium Money Essentials IO 6.09% NA Yes No NA View NA
2 Gateway Bank Allium Money Premium IO 6.29% NA Yes Yes NA View NA
3 Gateway Bank Green Plus Home Loan IO 6.34% NA Yes Yes NA View NA
Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Bank Australia Clean Energy Investment Loan 6.04% 0-90% Yes Yes NA View View
2 Bank Australia Offset Investment Loan 6.09% 0-80% Yes Yes NA View View
3 Bank of China Discount Investment Home Loan (With Principal and Interest Repayment) 6.13% NA Yes No NA View NA
Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Bank of China Discount Investment Home Loan (with Interest Only Repayment) 6.13% NA Yes No NA View NA
2 Bank of China Discount Plus Investment Home Loan (with Interest Only Repayment) 6.13% NA Yes Yes NA View NA
3 Auswide Bank BASIC HOME LOAN 6.24% 0-80% Yes No NA View View

Fixed Rates Top 3 · Sign up for more

Rank Product Rate Term LVR Redraw Offset Cashback Detail Additional Info
1 Macquarie Bank Macquarie Basic Home Loan 6.09% 3 years 0-70% No No NA View View
2 ING Bank Fixed Rate Loan 6.19% 2 years 0-70% No No NA View NA
3 Bank Australia Clean Energy Home Loan Fixed 6.19% 3 years 0-90% No Yes NA View NA
Rank Product Rate Term LVR Redraw Offset Cashback Detail Additional Info
1 Bank of China Fixed Rate Home Loan (With Interest Only Repayment) 6.39% 1 year NA Yes No NA View NA
2 ING Bank Fixed Rate Loan 6.44% 2 years 0-70% No No NA View NA
3 Macquarie Bank Macquarie Basic Home Loan 6.44% 3 years 0-70% No No NA View View
Rank Product Rate Term LVR Redraw Offset Cashback Detail Additional Info
1 Macquarie Bank Macquarie Basic Home Loan 6.24% 3 years 0-70% No No NA View View
2 Bank Australia Clean Energy Investment Fixed 6.24% 3 years 0-90% No Yes NA View View
3 Suncorp Bank 1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers 6.34% 2 years 0-80% No No NA View NA
Rank Product Rate Term LVR Redraw Offset Cashback Detail Additional Info
1 ANZ ANZ Fixed Rate home loan 6.24% 1 year 0-80% No Yes $3,000 View View
2 Westpac Fixed Rate Home Loan 6.34% 2 years 0-70% Yes No NA View View
3 ING Bank Fixed Rate Loan 6.39% 2 years 0-70% No No NA View NA
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Frequently asked questions

The lowest home loan rates from our lender panel are displayed at the top of this page and updated regularly. As mortgage brokers, we work with a select panel of lenders through our aggregator — rates shown reflect the best available within our panel. Rates vary depending on whether you are an owner-occupier or investor, and whether you choose principal and interest or interest-only repayments.

A variable rate moves up or down with the market and the RBA cash rate. A fixed rate is locked in for a set period (usually 1 to 5 years), giving repayment certainty regardless of rate changes.

Some lenders offer a one-off cash payment when you take out or refinance to their home loan. This can range from a few hundred to several thousand dollars. VIP members can see the best cashback deals alongside standard rates on this page.

Some lenders offer dedicated first home buyer rates with lower interest or reduced fees. These are available to view as a VIP member on this page.

Non-members can see the top 3 rates. Sign up for a free account to unlock the top 6. Upgrade to VIP to see all 10 rates across every category including first home buyer and cashback options.
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Mortgage Assistant

🔒 Top 3 rates & RBA rate only · Sign up free for more data  ·  Not financial advice