Best 4-year fixed home loans

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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.

Data last updated on 17 Sep 2021

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Ranking 1 2 position up today	Product myBlue Home Loan (Fixed Rate) (Principal and Interest)	Advertised Rate 2.24 % p.a Fixed - 4 years	Comparison Rate* 2.14 % p.a	Company Compare	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	Product Freedom Fixed	Advertised Rate 2.27 % p.a Fixed - 4 years	Comparison Rate* 2.03 % p.a	Company Compare	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	Product Your Way Plus Fixed Home Loan	Advertised Rate 2.14 % p.a Fixed - 4 years	Comparison Rate* 2.85 % p.a	Company Compare	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	Product Your Way Plus Fixed Home Loan	Advertised Rate 2.14 % p.a Fixed - 4 years	Comparison Rate* 2.85 % p.a	Company Compare	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	Product Fixed Loan Package Cashback Get $3,000 cashback when you refinance your home loan over $250,000 (LVR <80%).~ Ends in 13 days	Advertised Rate 2.34 % p.a Fixed - 4 years	Comparison Rate* 3.12 % p.a	Company Compare	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	Product Complete Fixed Home Loan Package Cashback $2000 Refinance Cashback~ Ends in 13 days	Advertised Rate 2.29 % p.a Fixed - 4 years	Comparison Rate* 3.21 % 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™ 3.74 / 5
Ranking 7 3 position down today	Product Reward Me Fixed Rate Home Loan	Advertised Rate 2.29 % p.a Fixed - 4 years	Comparison Rate* 2.66 % 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™ 3.55 / 5
Ranking 8 4 position up today	Product Express Home Loan	Advertised Rate 2.49 % p.a Fixed - 4 years	Comparison Rate* 2.39 % 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™ 3.56 / 5
Ranking 9 4 position up today	Product Owner Occupied Home Loan	Advertised Rate 2.49 % p.a Fixed - 4 years	Comparison Rate* 2.49 % p.a	Company Compare	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	Product Premium Plus Package Fixed Rate Cashback Refinance and get $2,000 cashback for home loans over $250k with LVR ≤80%. Limited time offer extended, T&Cs apply.~ Ends in 3 months	Advertised Rate 2.29 % p.a Fixed - 4 years	Comparison Rate* 3.54 % 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™ 3.58 / 5
Ranking 11 1 position down today	Product Fixed Rate Home Loan (with Advantage Package) Cashback Refinance and get $3000 for new Owner Occupier (Principal & Interest) and Residential Investment loans. Terms and conditions apply.*~ Ends in 13 days	Advertised Rate 2.49 % p.a Fixed - 4 years	Comparison Rate* 3.35 % p.a	Company Compare	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	Product Home Loan Package Cashback Enjoy a $2,500 cashback when you take out a home loan with us.	Advertised Rate 2.39 % p.a Fixed - 4 years	Comparison Rate* 3.41 % p.a	Company Compare	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	Product Advantage Package Cashback $3000 refinance cashback~ Ends in 13 days	Advertised Rate 2.49 % p.a Fixed - 4 years	Comparison Rate* 3.35 % p.a	Company Compare	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	Product Live-in Fixed	Advertised Rate 2.59 % p.a Fixed - 4 years	Comparison Rate* 2.12 % p.a	Company Compare	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	Product Your Way Plus Fixed Home Loan	Advertised Rate 2.14 % p.a Fixed - 4 years	Comparison Rate* 3.04 % p.a	Company Compare	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	Product Your Way Plus Fixed Home Loan	Advertised Rate 2.14 % p.a Fixed - 4 years	Comparison Rate* 2.91 % 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™ 3.49 / 5
Ranking 17 1 position down today	Product The Works Package Fixed (Principal and Interest)	Advertised Rate 2.15 % p.a Fixed - 4 years	Comparison Rate* 2.90 % p.a	Company Compare	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	Product Fixed Rate Home Loan	Advertised Rate 2.29 % p.a Fixed - 4 years	Comparison Rate* 3.36 % p.a	Company Compare	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	Product Basic Home Loan	Advertised Rate 2.69 % p.a Fixed - 4 years	Comparison Rate* 2.35 % p.a	Company Compare	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	Product Fixed Rate Home Loan	Advertised Rate 2.49 % p.a Fixed - 4 years	Comparison Rate* 2.90 % p.a	Company Compare	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

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