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Find home loans from a wide range of Australian lenders that best suit your needs, whether you're investing, refinancing or looking to buy your first home. Compare interest rates, mortgage repayments, fees and more.

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Product Basic Home Loan	Advertised Rate 2.09% Fixed - 3 years	Comparison Rate* 2.43%	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.25 / 5	Go to site Enquire Now	Owner occupiers with deposits of 30% or more can lock in a low fixed rate for three years, with no ongoing fees.	Compare Winner of Best 3 year fixed pi, RateCity Gold Awards 2021 More details	Highlighted
Product Discounted Variable Rate (Owner Occupied Principal & Interest)	Advertised Rate 2.34% Variable	Comparison Rate* 2.34%	Company Compare	Repayment $1,322 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.70 / 5	Go to site View Now	With a discounted variable interest rate and no upfront or ongoing fees, you may be able to minimise the cost of your owner-occupied home loan.	Compare Winner of Best variable, RateCity Gold Awards 2021 More details
Product Owner Occupier Accelerates - Celebrate (Principal and Interest)	Advertised Rate 2.19% Variable	Comparison Rate* 2.19%	Company Compare	Repayment $1,299 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.87 / 5	Go to site View Now	The more of your home you pay off, the lower your rate could be. This low rate is avialbe for borrowers with equity of 40% or more.	Compare Winner of Best refinance home loan, RateCity Gold Awards 2021 More details
Product Rate Cutter Home Loan special Get a 1.77% ongoing variable rate	Advertised Rate 1.77% Variable	Comparison Rate* 1.83%	Company Compare	Repayment $1,238 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.54 / 5	Go to site Enquire Now	If you have more than 40 per cent equity in your home, you could refinance to this low rate and also benefit from unlimited extra repayments and a redraw facility.	Compare Winner of Best refinance home loan, RateCity Gold Awards 2021 More details
Product Back to Basics Home Loan Special Offer	Advertised Rate 2.54% Variable	Comparison Rate* 2.55%	Company Compare	Repayment $1,352 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.30 / 5	Go to site View Now	Compare More details
Product Smart Home Loan (Principal and Interest)	Advertised Rate 2.48% Variable	Comparison Rate* 2.50%	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.31 / 5	Go to site View Now	Compare More details
Product Home Value Loan special Get a low variable interest rate loan with no ongoing fees.~ Ends in 6 days	Advertised Rate 2.59% Variable	Comparison Rate* 2.60%	Company Compare	Repayment $1,359 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.13 / 5	Go to site View Now	Compare More details
Product Home Advantage Package Cashback $2,000 cashback for First Home Buyers with Lender's Mortgage Insurance.~ Ends in about 1 month	Advertised Rate 2.29% Fixed - 3 years	Comparison Rate* 3.13%	Company Compare	Repayment $1,314 monthly	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.79 / 5	Go to site View Now	Compare More details
Product Well Balanced	Advertised Rate 2.17% Variable	Comparison Rate* 2.20%	Company Compare	Repayment $1,297 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.95 / 5	Go to site Enquire Now	Compare Winner of Best variable, Best refinance home loan, RateCity Gold Awards 2021 More details
Product Yard Home Loan (Special) special Yard’s low-rate variable special home loan~ Ends in about 1 month	Advertised Rate 2.09% Variable	Comparison Rate* 2.12%	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.08 / 5	Go to site Enquire Now	Compare Winner of Best refinance home loan, RateCity Gold Awards 2021 More details
Product Reward Me Fixed Rate Home Loan	Advertised Rate 2.04% Fixed - 3 years	Comparison Rate* 2.73%	Company Compare	Repayment $1,277 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.83 / 5	Go to site Enquire Now	Compare More details
Product SmartFix Loan	Advertised Rate 2.55% Fixed - 1 year	Comparison Rate* 3.21%	Company Compare	Repayment $638 monthly	Features Redraw facility Offset Account Borrow up to 79.9999% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.67 / 5	Go to site Enquire Now	Compare More details
Product Owner Occupier Interest Only Loan	Advertised Rate 2.84% Variable	Comparison Rate* 2.46%	Company Compare	Repayment $710 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.96 / 5	Go to site View Now	Compare More details
Product Essential Home Loan	Advertised Rate 3.39% Variable	Comparison Rate* 3.59%	Company Compare	Repayment $1,484 monthly	Features Redraw facility Offset Account Borrow up to 85% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.03 / 5	Go to site Enquire Now	Compare More details
Product Low Rider Cashback	Advertised Rate 2.29% Variable	Comparison Rate* 2.36%	Company Compare	Repayment $1,314 monthly	Features Redraw facility Offset Account Borrow up to 75% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.57 / 5	Go to site Enquire Now	Compare More details
Product Investor Interest Only Loan	Advertised Rate 2.84% Variable	Comparison Rate* 2.68%	Company Compare	Repayment $710 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.96 / 5	Go to site View Now	Compare More details
Product Base Variable Rate Home Loan Cashback $2,000 cashback when you refinance a loan of $250,000 or more~ Ends in 6 days	Advertised Rate 3.29% Variable	Comparison Rate* 3.71%	Company Compare	Repayment $823 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.46 / 5	Go to site Enquire Now	Compare More details
Product Discounted Variable Rate (Investor Principal & Interest)	Advertised Rate 2.74% Variable	Comparison Rate* 2.74%	Company Compare	Repayment $1,382 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.76 / 5	Go to site View Now	Compare Winner of Best investment home loan, RateCity Gold Awards 2021 More details
Product Discount Variable Cashback $2,000 cashback for First Home Buyers with Lender's Mortgage Insurance.~ Ends in about 1 month	Advertised Rate 2.68% Variable	Comparison Rate* 2.73%	Company Compare	Repayment $1,373 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.14 / 5	Go to site View Now	Compare More details
Product Rate Slasher Cash Back Variable Investment Loan	Advertised Rate 2.49% Variable	Comparison Rate* 2.56%	Company Compare	Repayment $1,344 monthly	Features Redraw facility Offset Account Borrow up to 75% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.23 / 5	Go to site Enquire Now	Compare More details

Data last updated on 24 Jan 2021

Read our important disclosures and general advice warning

Basic Home Loan

Interest rates ranked in the best 20%
No ongoing fees

Advertised Rate

2.09%

Fixed - 3 years

Comparison Rate*

2.43%

Real Time Rating™

4.25

/ 5

Monthly Repayment

$1,122

Enquire Now

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Mark Bristow

Senior Financial Writer

Mark Bristow is a senior financial writer for RateCity and an experienced analyst, researcher, and producer. Working for over ten years, Mark previously wrote and researched commercial real estate at CoreLogic, and has seen articles published at Lifehacker and Business Insider, among others. Most recently, Mark has joined RateCity working across finance as a whole. Whatever the topic, Mark’s goal is always to provide simple solutions to complex problems.