Best 3-year fixed rate principal and interest home loan

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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*	Monthly Repayment	Features	Real Time Rating™
1 2 position up today	Well Balanced	2.27% Fixed - 3 years	2.23%	$1,150	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	3.90 / 5
2 2 position up today	Premier Package Home Loan Cashback Refinance and receive up to $2000~ Ends in about 2 months	1.99% Fixed - 3 years	3.10%	$1,107	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.97 / 5
3 1 position down today	Advantage Package Cashback Up to $4,000 Refinance Cashback ~ Ends in 4 months	2.19% Fixed - 3 years	3.33%	$1,138	Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	4.02 / 5
4 1 position down today	Offset Home Loan	2.19% Fixed - 3 years	2.80%	$1,138	Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	3.73 / 5
5 1 position down today	Mortgage Plus	2.19% Fixed - 3 years	3.00%	$1,138	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.94 / 5
6 1 position up today	Live-in Fixed	2.32% Fixed - 3 years	2.38%	$1,157	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	3.36 / 5
7 1 position down today	Advantage Package Cashback Refinance Cashback offer - $4,000 cashback per property refinanced~ Ends in 4 months	2.29% Fixed - 3 years	3.43%	$1,153	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	3.66 / 5
8 1 position down today	Owner Occupied Home Loan	2.49% Fixed - 3 years	2.37%	$1,184	Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	3.39 / 5
9 1 position up today	Freedom Fixed	2.44% Fixed - 3 years	2.56%	$1,176	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.35 / 5
10 1 position down today	Premium Home Loan Package	2.19% Fixed - 3 years	3.20%	$1,138	Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	3.51 / 5
11 1 position down today	Select Basic Fixed	2.21% Fixed - 3 years	2.60%	$1,141	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.28 / 5
12 1 position down today	Fixed Home Loan Cashback Get $2000 cashback on settlement for eligible applications of $250,000 or more, received by 30 September 2020 and settled by 30 November 2020. T&Cs apply.~ Ends in 6 days	2.29% Fixed - 3 years	2.80%	$1,153	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.27 / 5
13 1 position up today	Home Owners Dream Fixed	2.29% Fixed - 3 years	2.53%	$1,153	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	3.23 / 5
14 1 position down today	First Home Buyer Package Cashback $2000 cash back	2.50% Fixed - 3 years	2.93%	$1,185	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	3.55 / 5
15 1 position down today	Goldrate Home Loan Cashback Enjoy up to $2k Cashback on new home loans and refinances. ~ Ends in about 1 month	2.49% Fixed - 3 years	2.79%	$1,184	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.35 / 5
16 1 position up today	Premier	2.19% Fixed - 3 years	3.03%	$1,138	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.13 / 5
17 1 position up today	Special Owner Occupied Fixed Loan	2.28% Fixed - 3 years	2.86%	$1,151	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	3.29 / 5
18 1 position down today	Special Owner Occupied Fixed Loan	2.28% Fixed - 3 years	2.86%	$1,151	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	3.29 / 5
19 1 position down today	Complete Package Fixed Owner Occupier	2.19% Fixed - 3 years	3.15%	$1,138	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	3.15 / 5
20 1 position down today	Advantage Package	2.19% Fixed - 3 years	3.33%	$1,138	Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	3.31 / 5

Data last updated on 24 Sep 2020

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