Best 4-year fixed rate principal and interest home loan

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
1 position up today
Advertised Rate

1.89%

Fixed - 4 years

Comparison Rate*

3.16%

Company
St.George Bank
Repayment

$1,092

monthly

Features
Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.64

/ 5
Ranking
2
1 position down today
Advertised Rate

1.89%

Fixed - 4 years

Comparison Rate*

3.16%

Company
Bank of Melbourne
Repayment

$1,092

monthly

Features
Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.64

/ 5
Ranking
3
3 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

3.26%

Company
BankSA
Repayment

$1,107

monthly

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

4.64

/ 5
Ranking
4
4 position down today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

3.29%

Company
Westpac
Repayment

$1,107

monthly

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

4.60

/ 5
Ranking
5
2 position down today
Advertised Rate

2.09%

Fixed - 4 years

Comparison Rate*

2.82%

Company
Bendigo Bank
Repayment

$1,122

monthly

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

4.49

/ 5
Ranking
6
1 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

3.33%

Company
Bankwest
Repayment

$1,107

monthly

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

4.33

/ 5
Ranking
7
1 position up today
Advertised Rate

2.27%

Fixed - 4 years

Comparison Rate*

2.06%

Company
Freedom Lend
Repayment

$1,150

monthly

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

4.25

/ 5
Ranking
8
1 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

3.45%

Company
Newcastle Permanent
Repayment

$1,107

monthly

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

4.30

/ 5
Ranking
9
1 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

2.69%

Company
RAMS
Repayment

$1,107

monthly

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

4.33

/ 5
Ranking
10
1 position up today
Advertised Rate

1.97%

Fixed - 4 years

Comparison Rate*

3.26%

Company
QBANK
Repayment

$1,104

monthly

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

4.22

/ 5
Ranking
11
1 position up today
Product
Advertised Rate

2.09%

Fixed - 4 years

Comparison Rate*

2.80%

Company
SERVICE ONE Alliance Bank
Repayment

$1,122

monthly

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

4.23

/ 5
Ranking
12
1 position up today
Advertised Rate

2.29%

Fixed - 4 years

Comparison Rate*

2.76%

Company
Virgin Money
Repayment

$1,153

monthly

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

4.13

/ 5
Ranking
13
1 position up today
Advertised Rate

1.95%

Fixed - 4 years

Comparison Rate*

3.61%

Company
Firefighters Mutual Bank
Repayment

$1,101

monthly

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

4.09

/ 5
Ranking
14
1 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

3.66%

Company
Commonwealth Bank of Australia
Repayment

$1,107

monthly

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

3.91

/ 5
Ranking
15
1 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

2.91%

Company
Regional Australia Bank
Repayment

$1,107

monthly

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

3.59

/ 5
Ranking
16
1 position up today
Advertised Rate

1.99%

Fixed - 4 years

Comparison Rate*

2.85%

Company
Illawarra Credit Union
Repayment

$1,107

monthly

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

3.45

/ 5
Ranking
17
1 position up today
Advertised Rate

2.09%

Fixed - 4 years

Comparison Rate*

3.16%

Company
Greater Bank
Repayment

$1,122

monthly

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

3.89

/ 5
Ranking
18
1 position up today
Advertised Rate

1.98%

Fixed - 4 years

Comparison Rate*

3.69%

Company
NAB
Repayment

$1,106

monthly

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

3.66

/ 5
Ranking
19
13 position down today
Advertised Rate

2.29%

Fixed - 4 years

Comparison Rate*

3.62%

Company
People's Choice Credit Union
Repayment

$1,153

monthly

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

3.90

/ 5
Ranking
20
4 position down today
Advertised Rate

1.95%

Fixed - 4 years

Comparison Rate*

3.61%

Company
Health Professionals Bank
Repayment

$1,101

monthly

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

3.77

/ 5