Find Home Loans, Car & Personal Loans, Credit Cards - RateCity

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Today's Interest Rates

Product

Available

Rates

Savings Accounts

Up to 3.50%

Up to 2.88%

As seen on

RateCity has helped millions of Australians make better financial decisions since 2006, through our product comparison tools, calculators, guides, ratings and expert commentary

Today's Products

Owner Occupier Discounted Variable Rate

Home Loans

REAL TIME RATING™

Advertised Rate

Comparison Rate*

Special$0 application fee

Premium Plus Package Fixed Rate

Home Loans

REAL TIME RATING™

Advertised Rate

Comparison Rate*

Extra low interest rate for refinancers
No upfront fees
Suitable for low deposits
Extra repayments + redraw services

Smart Home Loan

Home Loans

REAL TIME RATING™

Advertised Rate

Comparison Rate*

SpecialGet one of the lowest variable interest rates on the market and pay no application or ongoing fees

Rate Buster Variable Home Loan

Home Loans

REAL TIME RATING™

Advertised Rate

Comparison Rate*

Extra low interest rate for refinancers
No upfront or ongoing fees
Parents can sign as guarantor
Extra repayments + redraw services

Personal Loan

Personal Loans

Advertised Rate

Comparison Rate*

Special$100 establishment fee waiver when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account

Secured Fixed Low Rate (Excellent Credit Rating)

Personal Loans

Advertised Rate

Comparison Rate*

Can apply online

Unsecured Fixed Low Rate (Excellent Credit Rating)

Personal Loans

Advertised Rate

Comparison Rate*

Can apply online

Secured Personal Loan

Personal Loans

Advertised Rate

Comparison Rate*

Can apply online

Car Loan

Car Loans

Advertised Rate

Comparison Rate*

Features a low rate
Can apply online
Can apply in branch
Suitable for both new or used car

Car Loan

Car Loans

Advertised Rate

Comparison Rate*

Features a low rate
No ongoing fees
Can apply online
Suitable for both new or used car

New Car Loan

Car Loans

Advertised Rate

Comparison Rate*

Features a low rate
No ongoing fees
No early exit penalty
Can apply online

Car Loan

Car Loans

Advertised Rate

Comparison Rate*

Features a low rate
No early exit penalty
Can apply online
Suitable for both new or used car

Bendigo Bank Low Rate Mastercard

Credit Cards

for 15 months then 11.99%

Purchase Offers0% on purchases for 15 months for new applications between 1 November - 31 December 2019

Virgin Money Virgin Australia Velocity Flyer Card (Balance Transfer & Annual Fee Offer)

Credit Cards

for 12 months then $129

Balance Transfer0% p.a. for 22 months on balance transfers. Earn 3 additional bonus Velocity Points per $1 on your everyday spend in the first 3 months (capped at 10,000 points per month).

Heritage Bank Gold Low Rate

Credit Cards

Free supplementary cards

Latitude Financial Services Latitude Low Rate Mastercard

Credit Cards

SpecialEnjoy complimentary insurance benefits, including Price Protection, Purchase Protection and Extended Warranty

USaver Reach

Savings Accounts

Has no ongoing fees
Has no minimum balances

Saver Account

Savings Accounts

Intro 4 months then 1.40%

*Bonus rate applies to the first $250,000 deposited. For new Saver customers only, offer is not available for existing or prior Saver/eASYSaver customers.

Has no ongoing fees
Has no minimum balances

USaver with Ultra

Savings Accounts

*Deposit at least $200 a month into your USaver Ultra transaction or USaver savings account from a non-UBank account to earn bonus rate. This offer is available on balances up to $200,000.

Has no overseas ATM fees
Has no international transaction fees
Has no ongoing fees
Has no minimum balances

USaver

Savings Accounts

Has no ongoing fees
Has no minimum balances

Term Deposit ($250k+)

Term Deposits

p.a for 3 months

Covered by government guarantee

Personal Term Deposit

Term Deposits

p.a for 6 months

SpecialLoyalty Bonus - Roll over your principal after it reaches maturity to another Term Deposit and receive an additional 0.10% bonus on top of our standard Term Deposit for the new term

Green Term Deposit

Term Deposits

p.a for 2 months

SpecialWhen your term deposit matures, roll over your full deposit amount (or more) for another term and receive a Loyalty Bonus of 0.10% p.a. on top of the current standard interest rate

Term Deposit

Term Deposits

p.a for 3 months

SpecialWhen your term deposit matures, roll over your full deposit amount (or more) for another term and receive a Loyalty Bonus of 0.10% p.a. on top of the current standard interest rate

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Top Lenders

View all popular banks

Top Calculators

Top Pick Mortgage Repayments

Home Loans

Calculate what your repayments could be on your home loan.

Car Loan Repayments

Car Loans

Calculate what your repayments could be on your car loan.

How Much Can I Borrow?

Home Loans

Calculate what you can borrow based on your current circumstances.

Stamp Duty Calculator

Home Loans

Calculate how much tax you’ll need to pay upfront when you buy a property.

Refinance Calculator

Home Loans

Calculate how much you can save per month by refinancing your home loan.

Balance Transfer Calculator

Credit Cards

Calculate how much you could save with your credit card transfer.

Home Loans

Calculate your Lender Mortgage Insurance on your loan.

Personal Loan Repayments

Personal Loans

Calculate what your repayments could be on your personal loan.

Learn with our guides

guide image

Home Loan Guide

Home loans have five key areas to consider: loan type, interest rate, fees, features and loan size.

Car Loan Guide

New or used, big or small, here's what to consider when choosing a car loan.

Personal
Loan Guide

Personal loans provide a way of achieving what you need now by paying it off in the future.

Credit
Cards Guide

To find one of the best credit cards for your spending habits, it is essential to compare credit cards.

Super-
annuation Guide

What to consider when choosing a superannuation fund.

guide image

Home loan
consideration guide

This guide takes you through the factors you should consider before committing to a loan.

Refinance Guide

Refinancing can help you save money, increase flexibility, consolidate debts and much more.

Compare your product with the big 4 banks, or add more products to compare

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