Best 5-year fixed home loans

Home
Home Loans

Best 5-year fixed home loans

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 Since null day	Product Smart Booster Home Loan Discounted Variable - 1yr special 1.99% variable rate for 12 months then 2.48% variable rate	Advertised Rate 1.99% p.a Intro 12 months	Comparison Rate* 2.47% p.a	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.56 / 5
Ranking Since null day	Product Smart Home Loan (Principal and Interest)	Advertised Rate 2.48% p.a Variable	Comparison Rate* 2.50% p.a	Company Compare	Repayment $1,343 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.31 / 5
Ranking Since null day	Product Basic Home Loan	Advertised Rate 2.09% p.a Fixed - 3 years	Comparison Rate* 2.43% p.a	Company Compare	Repayment $1,285 monthly	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.12 / 5
Ranking Since null day	Product Super Saver Cashback Get between $1000 to $2000 in cashback for loans > $250k~ Ends in about 2 months	Advertised Rate 2.29% p.a Variable	Comparison Rate* 2.36% 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™ 3.96 / 5
Ranking Since null day	Product Investor Rate Cutter	Advertised Rate 2.29% p.a Variable	Comparison Rate* 2.38% 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™ 3.75 / 5

Data last updated on 14 Apr 2021

Read our important disclosures and general advice warning

Home Loans leaderboards

How are Real Time Ratings™ calculated?