Best 3-year fixed rate principal and interest home loan

RateCity's top-rated principal and interest home loans with a fixed interest rate for three years. Assumes a $400,000 mortgage for an owner occupier.

Ranking
Product
Advertised Rate
Comparison Rate*
Company
Monthly Repayment
Features
Real Time Rating™
1
1 position up today

1.99%

Fixed - 3 years

2.15%

Tic Toc

$1.1k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

4.07

/ 5
2
1 position down today

2.04%

Fixed - 3 years

2.17%

Well Home Loans

$1.1k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

4.11

/ 5
3
1 position up today

1.95%

Fixed - 3 years

2.35%

Homestar Finance

$1.1k

Redraw facility
Offset Account
Borrow up to 75%
Extra Repayments
Interest Only
Owner Occupied

3.88

/ 5
4
1 position down today

1.99%

Fixed - 3 years

2.70%

loans.com.au

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.97

/ 5
5
1 position down today

1.99%

Fixed - 3 years

3.28%

St.George Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied

4.07

/ 5
6
1 position down today

1.99%

Fixed - 3 years

2.90%

Suncorp Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.77

/ 5
7
1 position down today

2.09%

Fixed - 3 years

2.43%

Macquarie Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied

3.83

/ 5
8
1 position up today

1.99%

Fixed - 3 years

2.61%

Reduce Home Loans

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.69

/ 5
9
3 position up today

2.04%

Fixed - 3 years

2.80%

Endeavour Mutual Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied

3.76

/ 5
10
2 position down today

1.97%

Fixed - 3 years

3.01%

AMP Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

3.53

/ 5
11
3 position up today

1.98%

Fixed - 3 years

2.79%

Sydney Mutual Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied

3.70

/ 5
12
1 position down today

2.15%

Fixed - 3 years

2.62%

86 400

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.52

/ 5
13
3 position down today

2.09%

Fixed - 3 years

2.94%

Citi

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.62

/ 5
14
15 position up today

1.99%

Fixed - 3 years

3.15%

Bank Australia

$1.1k

Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied

3.68

/ 5
15
2 position down today

1.99%

Fixed - 3 years

3.10%

Bank First

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.52

/ 5
16
3 position down today

2.09%

Fixed - 3 years

3.37%

BankSA

$1.1k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

3.69

/ 5
17
2 position down today

2.19%

Fixed - 3 years

2.89%

Bendigo Bank

$1.1k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

3.61

/ 5
18
1 position up today

2.44%

Fixed - 3 years

2.56%

Freedom Lend

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.49

/ 5
19
3 position down today

2.04%

Fixed - 3 years

2.73%

Virgin Money

$1.1k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.87

/ 5
20
1 position up today

2.29%

Fixed - 3 years

2.48%

Yard

$1.2k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

3.48

/ 5