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Best 4-year fixed home loans

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

Ranking
1
2 position up today
Advertised Rate

2.24

% p.a

Fixed - 4 years

Comparison Rate*

2.14

% p.a

Company
Repayment

$1,307

monthly

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

4.46

/ 5
Ranking
2
1 position up today
Advertised Rate

2.27

% p.a

Fixed - 4 years

Comparison Rate*

2.03

% p.a

Company
Repayment

$1,311

monthly

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

4.09

/ 5
Ranking
3
1 position up today
Advertised Rate

2.14

% p.a

Fixed - 4 years

Comparison Rate*

2.85

% p.a

Company
Repayment

$1,292

monthly

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

4.05

/ 5
Ranking
4
1 position up today
Advertised Rate

2.14

% p.a

Fixed - 4 years

Comparison Rate*

2.85

% p.a

Company
Repayment

$1,292

monthly

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

3.66

/ 5
Ranking
5
1 position up today
Advertised Rate

2.34

% p.a

Fixed - 4 years

Comparison Rate*

3.12

% p.a

Company
Repayment

$1,322

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.80

/ 5
Ranking
6
1 position up today
Advertised Rate

2.29

% p.a

Fixed - 4 years

Comparison Rate*

3.21

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.74

/ 5
Ranking
7
3 position down today
Advertised Rate

2.29

% p.a

Fixed - 4 years

Comparison Rate*

2.66

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.55

/ 5
Ranking
8
4 position up today
Advertised Rate

2.49

% p.a

Fixed - 4 years

Comparison Rate*

2.39

% p.a

Company
Repayment

$1,344

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.56

/ 5
Ranking
9
4 position up today
Advertised Rate

2.49

% p.a

Fixed - 4 years

Comparison Rate*

2.49

% p.a

Company
Repayment

$1,344

monthly

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

3.48

/ 5
Ranking
10
8 position up today
Advertised Rate

2.29

% p.a

Fixed - 4 years

Comparison Rate*

3.54

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.58

/ 5
Ranking
11
1 position down today
Advertised Rate

2.49

% p.a

Fixed - 4 years

Comparison Rate*

3.35

% p.a

Company
Repayment

$1,344

monthly

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

3.62

/ 5
Ranking
12
1 position down today
Advertised Rate

2.39

% p.a

Fixed - 4 years

Comparison Rate*

3.41

% p.a

Company
Repayment

$1,329

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.53

/ 5
Ranking
13
1 position down today
Advertised Rate

2.49

% p.a

Fixed - 4 years

Comparison Rate*

3.35

% p.a

Company
Repayment

$1,344

monthly

Features
Redraw facility
Offset Account
Borrow up to 59.99%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.59

/ 5
Ranking
14
1 position down today
Advertised Rate

2.59

% p.a

Fixed - 4 years

Comparison Rate*

2.12

% p.a

Company
Repayment

$1,359

monthly

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

3.36

/ 5
Ranking
15
1 position up today
Advertised Rate

2.14

% p.a

Fixed - 4 years

Comparison Rate*

3.04

% p.a

Company
Repayment

$1,292

monthly

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

3.49

/ 5
Ranking
16
1 position down today
Advertised Rate

2.14

% p.a

Fixed - 4 years

Comparison Rate*

2.91

% p.a

Company
Repayment

$1,292

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.49

/ 5
Ranking
17
1 position down today
Advertised Rate

2.15

% p.a

Fixed - 4 years

Comparison Rate*

2.90

% p.a

Company
Repayment

$1,294

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.97

/ 5
Ranking
18
1 position down today
Advertised Rate

2.29

% p.a

Fixed - 4 years

Comparison Rate*

3.36

% p.a

Company
Repayment

$1,314

monthly

Features
Redraw facility
Offset Account
Borrow up to 94.99%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.45

/ 5
Ranking
19
3 position up today
Advertised Rate

2.69

% p.a

Fixed - 4 years

Comparison Rate*

2.35

% p.a

Company
Repayment

$1,375

monthly

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

3.32

/ 5
Ranking
20
1 position down today
Advertised Rate

2.49

% p.a

Fixed - 4 years

Comparison Rate*

2.90

% p.a

Company
Repayment

$1,344

monthly

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

3.25

/ 5