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
1
1 position up today
Advertised Rate

2.19%

Fixed - 5 years

Comparison Rate*

3.19%

Company
St.George Bank
Repayment

$1,138

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

2.19%

Fixed - 5 years

Comparison Rate*

3.19%

Company
Bank of Melbourne
Repayment

$1,138

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
2 position down today
Advertised Rate

2.14%

Fixed - 5 years

Comparison Rate*

3.07%

Company
Bank Australia
Repayment

$1,130

monthly

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

4.66

/ 5
Ranking
4
8 position up today
Advertised Rate

2.29%

Fixed - 5 years

Comparison Rate*

2.93%

Company
Citi
Repayment

$1,153

monthly

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

4.68

/ 5
Ranking
5
8 position up today
Advertised Rate

2.29%

Fixed - 5 years

Comparison Rate*

3.29%

Company
BankSA
Repayment

$1,153

monthly

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

4.63

/ 5
Ranking
6
2 position up today
Advertised Rate

2.19%

Fixed - 5 years

Comparison Rate*

3.42%

Company
Newcastle Permanent
Repayment

$1,138

monthly

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

4.50

/ 5
Ranking
7
2 position down today
Advertised Rate

2.29%

Fixed - 5 years

Comparison Rate*

3.31%

Company
Westpac
Repayment

$1,153

monthly

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

4.49

/ 5
Ranking
8
6 position down today
Advertised Rate

2.09%

Fixed - 5 years

Comparison Rate*

2.87%

Company
Bank of Queensland
Repayment

$1,122

monthly

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

4.23

/ 5
Ranking
9
6 position down today
Advertised Rate

2.25%

Fixed - 5 years

Comparison Rate*

3.56%

Company
Firefighters Mutual Bank
Repayment

$1,147

monthly

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

4.40

/ 5
Ranking
10
10 position up today
Advertised Rate

2.29%

Fixed - 5 years

Comparison Rate*

2.73%

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™

4.28

/ 5
Ranking
11
1 position down today
Advertised Rate

2.19%

Fixed - 5 years

Comparison Rate*

3.09%

Company
Greater Bank
Repayment

$1,138

monthly

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

4.30

/ 5
Ranking
12
1 position down today
Advertised Rate

2.25%

Fixed - 5 years

Comparison Rate*

3.56%

Company
Health Professionals Bank
Repayment

$1,147

monthly

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

4.09

/ 5
Ranking
13
1 position down today
Product
Advertised Rate

2.34%

Fixed - 5 years

Comparison Rate*

2.78%

Company
Endeavour Mutual Bank
Repayment

$1,161

monthly

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

4.23

/ 5
Ranking
14
1 position down today
Advertised Rate

2.35%

Fixed - 5 years

Comparison Rate*

3.34%

Company
Credit Union SA
Repayment

$1,162

monthly

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

4.18

/ 5
Ranking
15
1 position down today
Advertised Rate

2.27%

Fixed - 5 years

Comparison Rate*

2.07%

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™

4.10

/ 5
Ranking
16
1 position down today
Advertised Rate

2.25%

Fixed - 5 years

Comparison Rate*

3.56%

Company
UniBank
Repayment

$1,147

monthly

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

3.87

/ 5
Ranking
17
1 position down today
Advertised Rate

2.34%

Fixed - 5 years

Comparison Rate*

2.81%

Company
Adelaide Bank
Repayment

$1,161

monthly

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

4.04

/ 5
Ranking
18
1 position down today
Advertised Rate

2.25%

Fixed - 5 years

Comparison Rate*

3.56%

Company
Teachers Mutual Bank
Repayment

$1,147

monthly

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

3.81

/ 5
Ranking
19
2 position up today
Advertised Rate

2.25%

Fixed - 5 years

Comparison Rate*

3.49%

Company
BankVic
Repayment

$1,147

monthly

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

3.83

/ 5
Ranking
20
1 position down today
Advertised Rate

2.24%

Fixed - 5 years

Comparison Rate*

2.33%

Company
UBank
Repayment

$1,145

monthly

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

3.69

/ 5