Lowest Rate Home Loans

Variable Rates Top 3 · Sign up for more

Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Teachers Mutual Bank Your Way Plus Home Loan 5.84% 0-60% Yes Yes NA View NA
2 Virgin Money Virgin Money Lite Home Loan 5.84% 0-80% Yes No NA View View
3 Teachers Mutual Bank Your Way Home Loan 5.84% 0-95% 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 Beyond Bank Total Home Loan Package 6.19% NA Yes Yes NA View View
3 Bendigo Bank Single Parents (Bendigo Complete Home Loan) 6.23% NA Yes Yes NA View NA
Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Beyond Bank Purple Basic Vbl Home Loan-Inv 5.99% NA Yes No NA View View
2 Beyond Bank Invest Total Home Loan Package 5.99% NA Yes Yes NA View View
3 Bank Australia Clean Energy Investment Loan 6.04% 0-90% Yes Yes NA View View
Rank Product Rate LVR Redraw Offset Cashback Detail Additional Info
1 Bank of Sydney BOS Basic Investment Home Loan 0.67% NA Yes No NA View NA
2 Beyond Bank Invest Total Home Loan Package 6.19% NA Yes Yes NA View View
3 ME Bank ME Bank EconoME Home Loan 6.23% 0-70% Yes No $3,000 View View

Fixed Rates Top 3 · Sign up for more

Rank Product Rate Term LVR Redraw Offset Cashback Detail Additional Info
1 Bank Australia Clean Energy Home Loan Fixed 6.09% 3 years 0-90% No Yes NA View NA
2 Qudos Bank Fixed Rate Home Loan 6.24% 1 year 0-80% No No NA View View
3 Gateway Bank Premium Package 1Yr Fixed 6.24% 1 year NA No No 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 Qudos Bank Fixed Rate Home Loan 6.49% 1 year 0-80% No No NA View View
Rank Product Rate Term LVR Redraw Offset Cashback Detail Additional Info
1 Bank Australia Clean Energy Investment Fixed 6.14% 3 years 0-90% No Yes NA View View
2 Qudos Bank Fixed Rate Home Loan 6.29% 1 year 0-80% No No NA View View
3 Teachers Mutual Bank Your Way Plus Fixed Home Loan Investor 6.39% 2 years 0-60% Yes Yes 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.