Best 4-year fixed rate principal and interest home loan

Home
Home Loans

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.

Home Loans leaderboards

Best variable rate home loans
Best refinance home loan
Best home loans over $1 million
Best variable rate home loans for investors
Best interest-only investor home loan
Best packaged home loans
Best home loans from large banks
Best home loans from new lenders
Best small deposit home loans
Best 3-year fixed rate principal and interest home loan
Best 4-year fixed rate principal and interest home loan
Best 5-year fixed rate principal and interest home loan
Best 3-year principal and interest investor home loans
Best 5-year principal and interest investor home loans
Best SMSF home loans

How are Real Time Ratings™ calculated?

Ranking 1 1 position up today	Product Advantage Package Cashback Up to $4,000 Refinance Cashback ~ Ends in 11 days	Advertised Rate 1.89% Fixed - 4 years	Comparison Rate* 3.16%	Company Compare	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	Product Advantage Package Cashback Up to $4,000 Refinance Cashback ~ Ends in 10 days	Advertised Rate 1.89% Fixed - 4 years	Comparison Rate* 3.16%	Company Compare	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	Product Advantage Package Cashback Refinance Cashback offer - $4,000 cashback per property refinanced~ Ends in 11 days	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 3.26%	Company Compare	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	Product Premier Advantage Package Cashback Upto $3,000 refinance cashback for new Owner Occupier and Investment Loans. ~ Ends in 10 days	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 3.29%	Company Compare	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	Product Complete Home Loan Fixed	Advertised Rate 2.09% Fixed - 4 years	Comparison Rate* 2.82%	Company Compare	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	Product Complete Fixed Home Loan Package Cashback $2000 Refinance Cashback~ Ends in 16 days	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 3.33%	Company Compare	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	Product Freedom Fixed	Advertised Rate 2.27% Fixed - 4 years	Comparison Rate* 2.06%	Company Compare	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	Product Premium Plus Package Fixed Rate Cashback Get a $2000 refinance cashback when you refinance your loan. ~ Ends in about 1 month	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 3.45%	Company Compare	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	Product Fixed Rate Classic Home Loan Cashback $4000 Refinance cashback~ Ends in about 1 month	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 2.69%	Company Compare	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	Product FIxed Rate Home Loan	Advertised Rate 1.97% Fixed - 4 years	Comparison Rate* 3.26%	Company Compare	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 Fixed Rate	Advertised Rate 2.09% Fixed - 4 years	Comparison Rate* 2.80%	Company Compare	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	Product Reward Me Fixed Rate Home Loan Cashback $3000 cashback when you refinance. ~ Ends in 1 day	Advertised Rate 2.29% Fixed - 4 years	Comparison Rate* 2.76%	Company Compare	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	Product Fixed Rate Home Loan	Advertised Rate 1.95% Fixed - 4 years	Comparison Rate* 3.61%	Company Compare	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	Product 4 year Fixed Rate Home Loan Cashback $2,000 cashback for refinancers~ Ends in 2 months	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 3.66%	Company Compare	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	Product Partnership Advantage Home Loan	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 2.91%	Company Compare	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	Product The Works Package Fixed (Principal and Interest)	Advertised Rate 1.99% Fixed - 4 years	Comparison Rate* 2.85%	Company Compare	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	Product Great Rate special Borrow up to 110% of the property value by asking your family to guarantee the home loan by using their property as security on your mortgage	Advertised Rate 2.09% Fixed - 4 years	Comparison Rate* 3.16%	Company Compare	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	Product Choice Package Cashback $2,000 cashback when you refinance a loan of $250,000 or more~ Ends in 10 days	Advertised Rate 1.98% Fixed - 4 years	Comparison Rate* 3.69%	Company Compare	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	Product Fixed Loan Package Cashback Refinance and enjoy $4,000 cashback per property on home loans over $250,000~ Ends in 3 months	Advertised Rate 2.29% Fixed - 4 years	Comparison Rate* 3.62%	Company Compare	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	Product Fixed Rate Home Loan	Advertised Rate 1.95% Fixed - 4 years	Comparison Rate* 3.61%	Company Compare	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