Best 5-year fixed rate principal and interest home loan

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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	First Home Buyer Package Cashback $2000 cash back	2.49% Fixed - 5 years	2.84%	Compare	$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	Mortgage Plus	2.39% Fixed - 5 years	2.97%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.96 / 5
3 1 position down today	Advantage Package Cashback Up to $4,000 Refinance Cashback ~ Ends in 3 months	2.69% Fixed - 5 years	3.39%	Compare	$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	Fixed Rate Home Loan Cashback $3,000 cashback when you refinance your home loan to BOQ ~ Ends in about 1 month	2.54% Fixed - 5 years	3.34%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.34 / 5
5 1 position down today	Goldrate Home Loan Cashback Enjoy up to $2k Cashback on new home loans and refinances. ~ Ends in 8 days	2.59% Fixed - 5 years	2.79%	Compare	$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	Reward Me Fixed Rate Home Loan special Take out a new Virgin Money Home Loan and you could save with our $0 Lenders Mortgage Insurance (LMI) offer.~ Ends in about 1 month	2.49% Fixed - 5 years	2.84%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.09 / 5
7 1 position down today	Advantage Package Cashback Refinance Cashback offer - $4,000 cashback per property refinanced~ Ends in 3 months	2.79% Fixed - 5 years	3.49%	Compare	$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	SmartFix Loan	2.64% Fixed - 5 years	2.93%	Compare	$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	First Home Loan Fixed	2.59% Fixed - 5 years	2.79%	Compare	$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	Home Package Plus Cashback Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan.~ Ends in about 2 months	2.69% Fixed - 5 years	3.17%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.95 / 5
11 1 position down today	Advantage Package	2.69% Fixed - 5 years	3.39%	Compare	$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	Fixed Rate Home Loan	2.69% Fixed - 5 years	3.08%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	2.93 / 5
13 2 position up today	MHouse Prime Essentials	2.74% Fixed - 5 years	3.20%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	2.95 / 5
14 1 position up today	Complete Package Fixed Owner Occupier	2.59% Fixed - 5 years	3.21%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	2.77 / 5
15 1 position down today	Well Balanced	2.69% Fixed - 5 years	2.41%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	2.87 / 5
16 1 position up today	Fixed Rate Cashback $2,000 cashback for First Home Buyers with Lender's Mortgage Insurance.~ Ends in 4 months	2.79% Fixed - 5 years	3.95%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	2.96 / 5
17 1 position up today	Premium Home Loan Package	2.74% Fixed - 5 years	3.30%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	2.99 / 5
18 2 position down today	Premier Advantage Package Cashback Upto $3,000 refinance cashback for new Owner Occupier and Principal & Interest repayments and Investment Loans. Min loan size $250k, LVR < 80%~ Ends in 3 months	2.79% Fixed - 5 years	3.51%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	2.96 / 5
19 1 position down today	Fixed Home Loan Cashback Get $2000 cashback on settlement for eligible applications of $250,000 or more, received by 30 September 2020 and settled by 30 November 2020. T&Cs apply.~ Ends in about 1 month	2.69% Fixed - 5 years	2.85%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.76 / 5
20 1 position down today	5 Year Fixed (Owner Occupied Principal & Interest)	2.59% Fixed - 5 years	2.53%	Compare	$1.2k	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.63 / 5

Data last updated on 21 Oct 2020

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