Best home loans from large banks

RateCity's top-rated home loans from one of Australia’s major financial institutions. Assumes a $400,000 mortgage for an owner-occupier, with a variable interest rate and a maximum LVR of 80%.

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

3.04%

Variable

3.02%

Suncorp Bank

$760

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

2.69

/ 5
2
1 position up today

2.98%

Variable

2.99%

HSBC

$745

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

1.89

/ 5
3
1 position down today

2.59%

Variable

2.61%

St.George Bank

$1.2k

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

3.22

/ 5
4
1 position up today

2.69%

Variable

2.70%

Commonwealth Bank of Australia

$1.2k

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

3.67

/ 5
5
2 position down today

2.49%

Variable

2.52%

ING

$1.2k

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

3.42

/ 5
6
7 position up today

2.99%

Intro 24 months

3.63%

Bank of Queensland

$898

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

2.04

/ 5
7
1 position down today

2.69%

Variable

2.69%

NAB

$1.2k

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

3.38

/ 5
8
1 position down today

2.29%

Intro 24 months

2.72%

Westpac

$1.2k

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

3.29

/ 5
9
2 position up today

3.24%

Variable

3.50%

Macquarie Bank

$810

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

1.92

/ 5
10
1 position down today

2.58%

Variable

2.60%

ME Bank

$1.2k

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

3.19

/ 5
11
1 position down today

2.59%

Variable

3.00%

AMP Bank

$1.2k

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

3.25

/ 5
12
1 position down today

2.69%

Variable

2.90%

Bendigo Bank

$1.2k

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

3.12

/ 5
13
1 position down today

2.59%

Variable

2.61%

Bank of Melbourne

$1.2k

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

3.22

/ 5
14
1 position down today

2.72%

Variable

2.76%

ANZ

$1.2k

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

2.93

/ 5
15
2 position down today

3.03%

Variable

3.48%

Bankwest

$1.3k

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

2.39

/ 5