Best 5-year fixed rate principal and interest home loan

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.

Ranking
Product
Advertised Rate
Comparison Rate*
Company
Monthly Repayment
Features
Real Time Rating™
1
1 position up today

2.49%

Fixed - 5 years

2.84%

BankVic

$1.2k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

4.07

/ 5
2
4 position up today

2.39%

Fixed - 5 years

2.97%

Citi

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.96

/ 5
3
1 position down today

2.69%

Fixed - 5 years

3.39%

St.George Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied

3.70

/ 5
4
1 position down today

2.54%

Fixed - 5 years

3.34%

Bank of Queensland

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.34

/ 5
5
1 position down today

2.59%

Fixed - 5 years

2.79%

Police Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 79.9999%
Extra Repayments
Interest Only
Owner Occupied

3.39

/ 5
6
1 position down today

2.49%

Fixed - 5 years

2.84%

Virgin Money

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.09

/ 5
7
1 position down today

2.79%

Fixed - 5 years

3.49%

BankSA

$1.2k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

3.35

/ 5
8
1 position down today

2.64%

Fixed - 5 years

2.93%

Adelaide Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

3.06

/ 5
9
1 position down today

2.59%

Fixed - 5 years

2.79%

Bank of Heritage Isle

$1.2k

Redraw facility
Offset Account
Borrow up to 89.9999%
Extra Repayments
Interest Only
Owner Occupied

2.94

/ 5
10
1 position down today

2.69%

Fixed - 5 years

3.17%

Suncorp Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.95

/ 5
11
1 position down today

2.69%

Fixed - 5 years

3.39%

Bank of Melbourne

$1.2k

Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied

3.00

/ 5
12
1 position down today

2.69%

Fixed - 5 years

3.08%

IMB Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.93

/ 5
13
2 position up today

2.74%

Fixed - 5 years

3.20%

Mortgage House

$1.2k

Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied

2.95

/ 5
14
1 position up today

2.59%

Fixed - 5 years

3.21%

MOVE Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied

2.77

/ 5
15
1 position down today

2.69%

Fixed - 5 years

2.41%

Well Home Loans

$1.2k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.87

/ 5
16
1 position up today

2.79%

Fixed - 5 years

3.95%

Heritage Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied

2.96

/ 5
17
1 position up today

2.74%

Fixed - 5 years

3.30%

Bank Australia

$1.2k

Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied

2.99

/ 5
18
2 position down today

2.79%

Fixed - 5 years

3.51%

Westpac

$1.2k

Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied

2.96

/ 5
19
1 position down today

2.69%

Fixed - 5 years

2.85%

86 400

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.76

/ 5
20
1 position down today

2.59%

Fixed - 5 years

2.53%

UBank

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.63

/ 5