Home Loans Leaderboards

Looking for top-rated home loan offers on the market? Compare home loan ratings and see how we’ve ranked current Australian mortgages using Real-Time Ratings.

Best variable home loans

RateCity's top-rated home loans with a variable interest rate. Assumes a $400,000 mortgage with a maximum LVR of 80%.

Ranking
1
1 position up today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,092

monthly

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

4.58

/ 5
Ranking
2
1 position down today
Advertised Rate

2.04

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,115

monthly

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

4.64

/ 5
Ranking
3
1 position up today
Product
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,107

monthly

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

4.50

/ 5
Ranking
4
6 position up today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.02

% p.a

Company
Repayment

$1,107

monthly

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

4.30

/ 5
Ranking
5
1 position down today
Advertised Rate

1.94

% p.a

Variable

Comparison Rate*

1.98

% p.a

Company
Repayment

$1,100

monthly

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

4.17

/ 5

Best refinance home loans

Today’s top-rated home loans for refinancing. Assumes a $400,000 mortgage with a variable interest rate for an owner occupier.

Ranking
1
1 position up today
Advertised Rate

1.84

% p.a

Variable

Comparison Rate*

1.84

% p.a

Company
Repayment

$1,085

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.87

/ 5
Ranking
2
1 position down today
Advertised Rate

1.79

% p.a

Variable

Comparison Rate*

1.79

% p.a

Company
Repayment

$1,078

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.87

/ 5
Ranking
3
1 position down today
Advertised Rate

1.79

% p.a

Variable

Comparison Rate*

1.84

% p.a

Company
Repayment

$1,078

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.77

/ 5
Ranking
4
1 position down today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.01

% p.a

Company
Repayment

$1,107

monthly

Features
Redraw facility
Offset Account
Borrow up to 59%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.77

/ 5
Ranking
5
1 position up today
Advertised Rate

1.77

% p.a

Variable

Comparison Rate*

1.86

% p.a

Company
Repayment

$1,075

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.64

/ 5

Best variable home loans over $1 million

RateCity's top-rated home loans for borrowing more than one million dollars. Assumes a $1 million home loan for an owner occupier, with a variable interest rate, an offset account and a maximum LVR of 80%.

Ranking
1
22 position up today
Advertised Rate

1.95

% p.a

Variable

Comparison Rate*

1.99

% p.a

Company
Repayment

$1,101

monthly

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

4.65

/ 5
Ranking
2
1 position up today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,092

monthly

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

4.58

/ 5
Ranking
3
1 position down today
Advertised Rate

2.04

% p.a

Variable

Comparison Rate*

2.04

% p.a

Company
Repayment

$1,115

monthly

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

4.64

/ 5
Ranking
4
4 position down today
Advertised Rate

2.08

% p.a

Variable

Comparison Rate*

2.36

% p.a

Company
Repayment

$1,121

monthly

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

4.37

/ 5
Ranking
5
1 position up today
Advertised Rate

2.14

% p.a

Variable

Comparison Rate*

2.14

% p.a

Company
Repayment

$1,130

monthly

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

4.45

/ 5

Best variable investor home loans

RateCity's top-rated investment home loans with variable interest rates. Assumes a $400,000 mortgage and a maximum LVR of 80%.

Ranking
1
1 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.26

% p.a

Company
Repayment

$1,138

monthly

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

3.86

/ 5
Ranking
2
2 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.20

% p.a

Company
Repayment

$1,138

monthly

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

3.74

/ 5
Ranking
3
12 position up today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.34

% p.a

Company
Repayment

$1,161

monthly

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

3.92

/ 5
Ranking
4
2 position up today
Advertised Rate

2.39

% p.a

Variable

Comparison Rate*

2.39

% p.a

Company
Repayment

$1,168

monthly

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

3.85

/ 5
Ranking
5
1 position down today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.63

% p.a

Company
Repayment

$1,161

monthly

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

3.75

/ 5

Best interest only investor home loans

RateCity's top-rated interest-only investor home loans. Assumes a $400,000 mortgage with a maximum LVR of 80%, paying interest only at a fixed rate for a five year term.

Ranking
1
1 position up today
Advertised Rate

2.78

% p.a

Fixed - 5 years

Comparison Rate*

3.89

% p.a

Company
Repayment

$695

monthly

Features
Redraw facility
Offset Account
Borrow up to 89.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.72

/ 5
Ranking
2
1 position up today
Advertised Rate

2.64

% p.a

Fixed - 5 years

Comparison Rate*

2.73

% p.a

Company
Repayment

$660

monthly

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

2.44

/ 5
Ranking
3
1 position down today
Advertised Rate

2.89

% p.a

Fixed - 5 years

Comparison Rate*

4.01

% p.a

Company
Repayment

$723

monthly

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

2.69

/ 5
Ranking
4
1 position up today
Product
Advertised Rate

2.79

% p.a

Fixed - 5 years

Comparison Rate*

3.65

% p.a

Company
Repayment

$698

monthly

Features
Redraw facility
Offset Account
Borrow up to 89%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.59

/ 5
Ranking
5
1 position up today
Advertised Rate

2.88

% p.a

Fixed - 5 years

Comparison Rate*

3.02

% p.a

Company
Repayment

$720

monthly

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

2.62

/ 5

Best packaged home loans

RateCity's top-rated home loans that are available as a package with one or more other financial products, such as a credit card or bank account. Assumes a $400,000 mortgage with a variable interest rate for an owner occupier.

Ranking
1
1 position down today
Advertised Rate

1.79

% p.a

Variable

Comparison Rate*

1.84

% p.a

Company
Repayment

$1,078

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.77

/ 5
Ranking
2
1 position down today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

2.28

% p.a

Company
Repayment

$1,092

monthly

Features
Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.61

/ 5
Ranking
3
1 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.31

% p.a

Company
Repayment

$1,153

monthly

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

3.99

/ 5
Ranking
4
1 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.57

% p.a

Company
Repayment

$1,153

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.73

/ 5
Ranking
5
2 position up today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.76

% p.a

Company
Repayment

$1,161

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.53

/ 5

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
1
11 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.36

% p.a

Company
Repayment

$1,138

monthly

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

3.97

/ 5
Ranking
2
1 position up today
Advertised Rate

2.44

% p.a

Variable

Comparison Rate*

2.45

% p.a

Company
Repayment

$1,176

monthly

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

3.95

/ 5
Ranking
3
1 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.32

% p.a

Company
Repayment

$1,153

monthly

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

3.74

/ 5
Ranking
4
1 position down today
Advertised Rate

2.49

% p.a

Variable

Comparison Rate*

2.51

% p.a

Company
Repayment

$1,184

monthly

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

3.25

/ 5
Ranking
5
3 position up today
Advertised Rate

2.49

% p.a

Variable

Comparison Rate*

2.52

% p.a

Company
Repayment

$1,184

monthly

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

3.67

/ 5

Best home loans from new lenders

RateCity's top-rated home loans from lenders recently added to RateCity. Assumes a $400,000 mortgage for an owner occupier with a variable interest rate

Ranking
1
1 position up today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

1.99

% p.a

Company
Repayment

$1,107

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.27

/ 5
Ranking
2
1 position down today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.20

% p.a

Company
Repayment

$1,138

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.61

/ 5
Ranking
3
1 position up today
Advertised Rate

2.33

% p.a

Variable

Comparison Rate*

3.71

% p.a

Company
Repayment

$1,159

monthly

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

3.53

/ 5
Ranking
4
1 position down today
Advertised Rate

2.79

% p.a

Variable

Comparison Rate*

2.87

% p.a

Company
Repayment

$698

monthly

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

2.16

/ 5
Ranking
5
4 position up today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.38

% p.a

Company
Repayment

$1,161

monthly

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

3.44

/ 5

Best small deposit home loans

RateCity's top-rated home loans with a deposit requirement of 5% or less. Assumes a $400,000 mortgage for an owner occupier with a variable interest rate and a maximum LVR of 95% or more.

Ranking
1
18 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.31

% p.a

Company
Repayment

$1,153

monthly

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

4.06

/ 5
Ranking
2
1 position up today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.38

% p.a

Company
Repayment

$1,161

monthly

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

3.44

/ 5
Ranking
3
1 position down today
Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.38

% p.a

Company
Repayment

$1,161

monthly

Features
Redraw facility
Offset Account
Borrow up to 98%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.44

/ 5
Ranking
4
2 position down today
Advertised Rate

2.54

% p.a

Variable

Comparison Rate*

2.56

% p.a

Company
Repayment

$1,192

monthly

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

3.14

/ 5
Ranking
5
2 position down today
Advertised Rate

2.29

% p.a

Intro 24 months

Comparison Rate*

2.72

% p.a

Company
Repayment

$1,231

monthly

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

3.68

/ 5

Best 3-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
1
50 position up today
Advertised Rate

1.94

% p.a

Fixed - 3 years

Comparison Rate*

2.05

% p.a

Company
Repayment

$1,100

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.75

/ 5
Ranking
2
1 position up today
Advertised Rate

2.14

% p.a

Fixed - 3 years

Comparison Rate*

2.06

% p.a

Company
Repayment

$1,130

monthly

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

4.43

/ 5
Ranking
3
1 position up today
Advertised Rate

2.07

% p.a

Fixed - 3 years

Comparison Rate*

1.97

% p.a

Company
Repayment

$1,119

monthly

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

4.41

/ 5
Ranking
4
1 position down today
Advertised Rate

2.14

% p.a

Fixed - 3 years

Comparison Rate*

1.96

% p.a

Company
Repayment

$1,130

monthly

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

4.24

/ 5
Ranking
5
1 position up today
Advertised Rate

1.85

% p.a

Fixed - 3 years

Comparison Rate*

2.24

% p.a

Company
Repayment

$1,086

monthly

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

3.80

/ 5

Best 4-year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for four years. Assumes a $400,000 mortgage for an owner occupier.

Ranking
1
2 position up today
Advertised Rate

2.24

% p.a

Fixed - 4 years

Comparison Rate*

2.14

% p.a

Company
Repayment

$1,145

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.58

/ 5
Ranking
2
1 position up today
Advertised Rate

2.27

% p.a

Fixed - 4 years

Comparison Rate*

2.03

% p.a

Company
Repayment

$1,150

monthly

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

4.21

/ 5
Ranking
3
1 position up today
Advertised Rate

2.19

% p.a

Fixed - 4 years

Comparison Rate*

3.26

% p.a

Company
Repayment

$1,138

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.29

/ 5
Ranking
4
1 position down today
Advertised Rate

2.14

% p.a

Fixed - 4 years

Comparison Rate*

2.85

% p.a

Company
Repayment

$1,130

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.18

/ 5
Ranking
5
1 position down today
Advertised Rate

2.19

% p.a

Fixed - 4 years

Comparison Rate*

3.26

% p.a

Company
Repayment

$1,138

monthly

Features
Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.26

/ 5

Best 5-year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for five years. Assumes a $400,000 mortgage for an owner occupier.

Ranking
1
3 position up today
Advertised Rate

2.40

% p.a

Fixed - 5 years

Comparison Rate*

2.88

% p.a

Company
Repayment

$1,170

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.30

/ 5
Ranking
2
2 position up today
Advertised Rate

2.27

% p.a

Fixed - 5 years

Comparison Rate*

2.05

% p.a

Company
Repayment

$1,150

monthly

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

4.04

/ 5
Ranking
3
5 position up today
Advertised Rate

2.39

% p.a

Fixed - 5 years

Comparison Rate*

2.98

% p.a

Company
Repayment

$1,168

monthly

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

3.98

/ 5
Ranking
4
1 position down today
Advertised Rate

2.24

% p.a

Fixed - 5 years

Comparison Rate*

2.33

% p.a

Company
Repayment

$1,145

monthly

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

3.63

/ 5
Ranking
5
1 position up today
Advertised Rate

2.49

% p.a

Fixed - 5 years

Comparison Rate*

3.31

% p.a

Company
Repayment

$1,184

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.02

/ 5

Best 3-year fixed investor home loans

RateCity's top-rated principal and interest investor home loans with a fixed interest rate for three years. Assumes a $400,000 mortgage.

Ranking
1
26 position up today
Advertised Rate

2.15

% p.a

Fixed - 3 years

Comparison Rate*

2.99

% p.a

Company
Repayment

$1,131

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.35

/ 5
Ranking
2
1 position up today
Advertised Rate

2.34

% p.a

Fixed - 3 years

Comparison Rate*

2.49

% p.a

Company
Repayment

$1,161

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.15

/ 5
Ranking
3
1 position up today
Advertised Rate

2.32

% p.a

Fixed - 3 years

Comparison Rate*

2.22

% p.a

Company
Repayment

$1,157

monthly

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

4.00

/ 5
Ranking
4
1 position down today
Advertised Rate

2.34

% p.a

Fixed - 3 years

Comparison Rate*

2.36

% p.a

Company
Repayment

$1,161

monthly

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

3.93

/ 5
Ranking
5
2 position up today
Advertised Rate

2.24

% p.a

Fixed - 3 years

Comparison Rate*

2.79

% p.a

Company
Repayment

$1,145

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.71

/ 5

Best 5-year fixed investor home loans

RateCity's top-rated principal and interest investor home loans with a fixed interest rate for five years. Assumes a $400,000 mortgage.

Ranking
1
34 position up today
Advertised Rate

2.60

% p.a

Fixed - 5 years

Comparison Rate*

3.08

% p.a

Company
Repayment

$1,201

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.87

/ 5
Ranking
2
1 position up today
Advertised Rate

2.52

% p.a

Fixed - 5 years

Comparison Rate*

2.30

% p.a

Company
Repayment

$1,188

monthly

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

3.62

/ 5
Ranking
3
11 position up today
Advertised Rate

2.64

% p.a

Fixed - 5 years

Comparison Rate*

3.93

% p.a

Company
Repayment

$1,207

monthly

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

3.50

/ 5
Ranking
4
1 position up today
Advertised Rate

2.69

% p.a

Fixed - 5 years

Comparison Rate*

3.71

% p.a

Company
Repayment

$1,215

monthly

Features
Redraw facility
Offset Account
Borrow up to 60%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.56

/ 5
Ranking
5
1 position down today
Advertised Rate

2.69

% p.a

Fixed - 5 years

Comparison Rate*

3.72

% p.a

Company
Repayment

$1,215

monthly

Features
Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.56

/ 5

Best SMSF home loan

RateCity's top-rated home loans for Self-Managed Super Funds. Assumes a a $400,000 mortgage.

Ranking
1
2 position up today
Advertised Rate

4.39

% p.a

Variable

Comparison Rate*

5.02

% p.a

Company
Repayment

$1,098

monthly

Features
Redraw facility
Offset Account
Borrow up to 65%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.97

/ 5
Ranking
2
2 position up today
Advertised Rate

4.74

% p.a

Variable

Comparison Rate*

5.28

% p.a

Company
Repayment

$1,185

monthly

Features
Redraw facility
Offset Account
Borrow up to 65%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

1.76

/ 5
Ranking
3
2 position up today
Advertised Rate

4.99

% p.a

Variable

Comparison Rate*

5.48

% p.a

Company
Repayment

$1,609

monthly

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

1.71

/ 5
Ranking
4
2 position up today
Advertised Rate

5.34

% p.a

Variable

Comparison Rate*

5.52

% p.a

Company
Repayment

$1,673

monthly

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

1.40

/ 5
Ranking
5
1 position up today
Advertised Rate

4.75

% p.a

Variable

Comparison Rate*

4.78

% p.a

Company
Repayment

$1,565

monthly

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

1.33

/ 5

The 2021 Home Loan Award Winners