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
2 position up today

2.27%

Fixed - 3 years

2.23%

Well Home Loans

$1,150

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

3.90

/ 5
2
2 position up today

1.99%

Fixed - 3 years

3.10%

Bank First

$1,107

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

3.97

/ 5
3
1 position down today

2.19%

Fixed - 3 years

3.33%

St.George Bank

$1,138

Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied

4.02

/ 5
4
1 position down today

2.19%

Fixed - 3 years

2.80%

Macquarie Bank

$1,138

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

3.73

/ 5
5
1 position down today

2.19%

Fixed - 3 years

3.00%

Citi

$1,138

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

3.94

/ 5
6
1 position up today

2.32%

Fixed - 3 years

2.38%

Tic Toc

$1,157

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

3.36

/ 5
7
1 position down today

2.29%

Fixed - 3 years

3.43%

BankSA

$1,153

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

3.66

/ 5
8
1 position down today

2.49%

Fixed - 3 years

2.37%

Homestar Finance

$1,184

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

3.39

/ 5
9
1 position up today

2.44%

Fixed - 3 years

2.56%

Freedom Lend

$1,176

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

3.35

/ 5
10
1 position down today

2.19%

Fixed - 3 years

3.20%

Bank Australia

$1,138

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

3.51

/ 5
11
1 position down today

2.21%

Fixed - 3 years

2.60%

Aussie

$1,141

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

3.28

/ 5
12
1 position down today

2.29%

Fixed - 3 years

2.80%

86 400

$1,153

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

3.27

/ 5
13
1 position up today

2.29%

Fixed - 3 years

2.53%

Reduce Home Loans

$1,153

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

3.23

/ 5
14
1 position down today

2.50%

Fixed - 3 years

2.93%

BankVic

$1,185

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

3.55

/ 5
15
1 position down today

2.49%

Fixed - 3 years

2.79%

Police Bank

$1,184

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

3.35

/ 5
16
1 position up today

2.19%

Fixed - 3 years

3.03%

HSBC

$1,138

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

3.13

/ 5
17
1 position up today

2.28%

Fixed - 3 years

2.86%

Endeavour Mutual Bank

$1,151

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

3.29

/ 5
18
1 position down today

2.28%

Fixed - 3 years

2.86%

Sydney Mutual Bank

$1,151

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

3.29

/ 5
19
1 position down today

2.19%

Fixed - 3 years

3.15%

MOVE Bank

$1,138

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

3.15

/ 5
20
1 position down today

2.19%

Fixed - 3 years

3.33%

Bank of Melbourne

$1,138

Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied

3.31

/ 5