Compare the best home loan rates^ in Australia

Find some of the best home loans from a wide range of Australian lenders to best suit your needs. Compare interest rates, mortgage repayments, fees and more. - Data last updated on 27 Jun 2019

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Why should you look for the best home loan rates?

While there is no one-size-fits-all best mortgage, working out which home loans most closely match your needs can help you to find the best mortgage for you.

With the variety of Australian home loan offers available, there will likely be several mortgages that could fit your purposes. Once you know what to compare and what you're looking for, you should be able to identify some good options, leading you to your best mortgage.

RateCity's comparison tool allows you to filter mortgages by many different features, giving you a better idea of which mortgages could offer the best home loan rates, features and benefits to suit your needs.

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FAQs

Determining who has the ‘best’ home loan really does depend on your own personal circumstances and requirements. It may be tempting to judge a loan merely on the interest rate but there can be added value in the extras on offer, such as offset and redraw facilities, that aren’t available with all low rate loans.

To determine which loan is the best for you, think about whether you would prefer the consistency of a fixed loan or the flexibility and potential benefits of a variable loan. Then determine which features will be necessary throughout the life of your loan. Thirdly, consider how much you are willing to pay in fees for the loan you want. Once you find the perfect combination of these three elements you are on your way to determining the best loan for you. 

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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