Best 3-year fixed home loans

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
1
75 position up today
Advertised Rate

2.79%

Fixed - 3 years

Comparison Rate*

3.44%

Company
Mortgage House
Repayment

$1,231

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.07

/ 5
Ranking
2
17 position up today
Advertised Rate

2.29%

Fixed - 3 years

Comparison Rate*

3.55%

Company
Bank Australia
Repayment

$1,153

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.31

/ 5
Ranking
3
75 position up today
Advertised Rate

3.84%

Fixed - 3 years

Comparison Rate*

4.14%

Company
Liberty Financial
Repayment

$1,405

monthly

Features
Redraw facility
Offset Account
Borrow up to 85%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.05

/ 5
Ranking
4
76 position up today
Advertised Rate

3.17%

Fixed - 3 years

Comparison Rate*

4.24%

Company
Orange Credit Union
Repayment

$1,292

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.03

/ 5
Ranking
5
48 position up today
Advertised Rate

2.29%

Fixed - 3 years

Comparison Rate*

3.79%

Company
Community First Credit Union
Repayment

$1,153

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.33

/ 5
Ranking
6
64 position up today
Advertised Rate

2.79%

Fixed - 3 years

Comparison Rate*

4.42%

Company
Auswide Bank
Repayment

$1,231

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.01

/ 5
Ranking
7
74 position up today
Advertised Rate

3.40%

Fixed - 3 years

Comparison Rate*

4.14%

Company
WAW Credit Union
Repayment

$1,330

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.97

/ 5
Ranking
8
1 position up today
Advertised Rate

3.24%

Fixed - 3 years

Comparison Rate*

3.52%

Company
Goldfields Money
Repayment

$1,304

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.10

/ 5
Ranking
9
1 position down today
Advertised Rate

2.19%

Fixed - 3 years

Comparison Rate*

2.89%

Company
Bendigo Bank
Repayment

$1,138

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.01

/ 5
Ranking
10
1 position up today
Advertised Rate

2.14%

Fixed - 3 years

Comparison Rate*

4.03%

Company
St.George Bank
Repayment

$1,130

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.59

/ 5
Ranking
11
1 position down today
Product
Advertised Rate

2.19%

Fixed - 3 years

Comparison Rate*

2.88%

Company
SERVICE ONE Alliance Bank
Repayment

$1,138

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.55

/ 5
Ranking
12
6 position up today
Advertised Rate

2.34%

Fixed - 3 years

Comparison Rate*

3.18%

Company
Citi
Repayment

$1,161

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.55

/ 5
Ranking
13
51 position up today
Advertised Rate

2.05%

Fixed - 3 years

Comparison Rate*

3.81%

Company
Firefighters Mutual Bank
Repayment

$1,116

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.88

/ 5
Ranking
14
59 position up today
Advertised Rate

2.59%

Fixed - 3 years

Comparison Rate*

3.86%

Company
Beyond Bank Australia
Repayment

$1,199

monthly

Features
Redraw facility
Offset Account
Borrow up to 89.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.53

/ 5
Ranking
15
13 position up today
Advertised Rate

2.29%

Fixed - 3 years

Comparison Rate*

4.12%

Company
Westpac
Repayment

$1,153

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.30

/ 5
Ranking
16
5 position down today
Product
Advertised Rate

2.04%

Fixed - 3 years

Comparison Rate*

2.80%

Company
Endeavour Mutual Bank
Repayment

$1,115

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.14

/ 5
Ranking
17
3 position up today
Advertised Rate

2.79%

Fixed - 3 years

Comparison Rate*

3.62%

Company
The Mac
Repayment

$1,231

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.41

/ 5
Ranking
18
1 position down today
Advertised Rate

2.40%

Fixed - 3 years

Comparison Rate*

2.60%

Company
Illawarra Credit Union
Repayment

$1,170

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.74

/ 5
Ranking
19
11 position down today
Advertised Rate

2.09%

Fixed - 3 years

Comparison Rate*

3.37%

Company
Bank of Melbourne
Repayment

$1,122

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.08

/ 5
Ranking
20
2 position down today
Advertised Rate

2.85%

Fixed - 3 years

Comparison Rate*

2.72%

Company
Yard
Repayment

$1,241

monthly

Features
Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.13

/ 5