Best 3-year fixed home loans

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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.

Data last updated on 16 May 2021

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Ranking Since null day	Product Smart Home Loan (Principal and Interest)	Advertised Rate 2.48 % p.a Variable	Comparison Rate* 2.50 % p.a	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.31 / 5
Ranking Since null day	Product Special Offer - 3 yr Fixed P&I	Advertised Rate 1.99 % p.a Fixed - 3 years	Comparison Rate* 2.70 % p.a	Company Compare	Repayment $1,270 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.32 / 5
Ranking Since null day	Product Investor Rate Cutter	Advertised Rate 2.29 % p.a Variable	Comparison Rate* 2.38 % p.a	Company Compare	Repayment $1,314 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.75 / 5
Ranking Since null day	Product Basic Home Loan	Advertised Rate 2.09 % p.a Fixed - 3 years	Comparison Rate* 2.32 % p.a	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.30 / 5
Ranking Since null day	Product Yard Home Loan (Special) special Yard’s low-rate variable special home loan~ Ends in 14 days	Advertised Rate 2.09 % p.a Variable	Comparison Rate* 2.12 % p.a	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.07 / 5
Ranking Since null day	Product Yard Investor Loan	Advertised Rate 2.45 % p.a Variable	Comparison Rate* 2.48 % p.a	Company Compare	Repayment $1,338 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.33 / 5
Ranking Since null day	Product Home Value Loan special Get a low variable interest rate loan with no ongoing fees.~ Ends in 14 days	Advertised Rate 2.44 % p.a Variable	Comparison Rate* 2.45 % p.a	Company Compare	Repayment $1,337 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.49 / 5
Ranking Since null day	Product Package Cashback Receive $3,288 when you refinance min of $250k with HSBC as at 15 February to 31 May. Settle by 31 July 2021.~ Ends in 14 days	Advertised Rate 1.88 % p.a Fixed - 2 years	Comparison Rate* 2.86 % p.a	Company Compare	Repayment $1,254 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.22 / 5
Ranking Since null day	Product Smart Booster Home Loan Discounted Variable - 1yr special 1.99% variable rate for 12 months then 2.48% variable rate	Advertised Rate 1.99 % p.a Intro 12 months	Comparison Rate* 2.47 % p.a	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.56 / 5
Ranking Since null day	Product Star Gold Home Loan special Limited Time Special - Applications must be received by 31/08/2021~ Ends in 4 months	Advertised Rate 1.79 % p.a Variable	Comparison Rate* 1.84 % p.a	Company Compare	Repayment $1,241 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.77 / 5
Ranking Since null day	Product Star Essentials Home Loan	Advertised Rate 2.14 % p.a Variable	Comparison Rate* 2.17 % p.a	Company Compare	Repayment $1,292 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.00 / 5
Ranking Since null day	Product 2 Year Fixed Rate Special Owner Occupied	Advertised Rate 1.74 % p.a Fixed - 2 years	Comparison Rate* 2.23 % p.a	Company Compare	Repayment $1,234 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.46 / 5
Ranking Since null day	Product 2 Year Fixed Rate Special Investment	Advertised Rate 1.99 % p.a Fixed - 2 years	Comparison Rate* 2.44 % p.a	Company Compare	Repayment $1,270 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.99 / 5
Ranking Since null day	Product Back to Basics Home Loan Special Offer	Advertised Rate 2.44 % p.a Variable	Comparison Rate* 2.45 % p.a	Company Compare	Repayment $1,337 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.54 / 5
Ranking Since null day	Product Home Package Plus	Advertised Rate 1.89 % p.a Fixed - 2 years	Comparison Rate* 2.85 % p.a	Company Compare	Repayment $1,256 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.59 / 5
Ranking Since null day	Product Owner Occupier Accelerates - Celebrate (Principal and Interest)	Advertised Rate 1.99 % p.a Variable	Comparison Rate* 1.99 % p.a	Company Compare	Repayment $1,270 monthly	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.34 / 5
Ranking Since null day	Product Owner Occupier Accelerates - Liberate (Principal and Interest)	Advertised Rate 2.19 % p.a Variable	Comparison Rate* 2.08 % p.a	Company Compare	Repayment $1,299 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.87 / 5
Ranking Since null day	Product Investor Accelerates - Liberate (Principal and Interest)	Advertised Rate 2.59 % p.a Variable	Comparison Rate* 2.48 % p.a	Company Compare	Repayment $1,359 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.93 / 5
Ranking Since null day	Product Mortgage Simplifier	Advertised Rate 2.49 % p.a Variable	Comparison Rate* 2.52 % p.a	Company Compare	Repayment $1,344 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.26 / 5
Ranking Since null day	Product Orange Advantage	Advertised Rate 2.54 % p.a Variable	Comparison Rate* 2.89 % p.a	Company Compare	Repayment $1,352 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.07 / 5