Home Loans Leaderboards

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

Best variable rate 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 down today
Advertised Rate

2.09%

Variable

Comparison Rate*

2.09%

Company
Pacific Mortgage Group
Repayment

$1,122

monthly

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

4.58

/ 5
Ranking
2
1 position up today
Advertised Rate

1.99%

Variable

Comparison Rate*

2.05%

Company
Reduce Home Loans
Repayment

$1,107

monthly

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

4.18

/ 5
Ranking
3
1 position down today
Advertised Rate

2.17%

Variable

Comparison Rate*

2.17%

Company
Freedom Lend
Repayment

$1,135

monthly

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

4.42

/ 5
Ranking
4
4 position down today
Advertised Rate

2.14%

Variable

Comparison Rate*

2.17%

Company
Homestar Finance
Repayment

$1,130

monthly

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

4.00

/ 5
Ranking
5
5 position down today
Advertised Rate

2.19%

Variable

Comparison Rate*

2.34%

Company
Tic Toc
Repayment

$1,138

monthly

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

4.04

/ 5

Best refinance home loan

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 down today
Advertised Rate

1.89%

Variable

Comparison Rate*

1.89%

Company
Pacific Mortgage Group
Repayment

$1,092

monthly

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

4.87

/ 5
Ranking
2
2 position down today
Advertised Rate

1.97%

Variable

Comparison Rate*

1.97%

Company
Freedom Lend
Repayment

$1,104

monthly

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

4.87

/ 5
Ranking
3
3 position down today
Advertised Rate

1.79%

Variable

Comparison Rate*

1.84%

Company
Homestar Finance
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
4 position down today
Advertised Rate

1.99%

Variable

Comparison Rate*

2.01%

Company
G&C Mutual Bank
Repayment

$1,107

monthly

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

4.84

/ 5
Ranking
5
5 position down today
Advertised Rate

1.89%

Variable

Comparison Rate*

2.28%

Company
Northern Inland CU
Repayment

$1,092

monthly

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

4.68

/ 5

Best 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
1 position down today
Advertised Rate

2.09%

Variable

Comparison Rate*

2.09%

Company
Pacific Mortgage Group
Repayment

$1,122

monthly

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

4.58

/ 5
Ranking
2
2 position down today
Advertised Rate

2.17%

Variable

Comparison Rate*

2.17%

Company
Freedom Lend
Repayment

$1,135

monthly

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

4.42

/ 5
Ranking
3
3 position down today
Advertised Rate

2.19%

Variable

Comparison Rate*

2.34%

Company
Tic Toc
Repayment

$1,138

monthly

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

4.04

/ 5
Ranking
4
4 position down today
Advertised Rate

2.29%

Variable

Comparison Rate*

2.31%

Company
G&C Mutual Bank
Repayment

$1,153

monthly

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

4.13

/ 5
Ranking
5
1 position up today
Advertised Rate

2.39%

Variable

Comparison Rate*

2.61%

Company
Mortgage House
Repayment

$1,168

monthly

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

3.64

/ 5

Best variable rate home loans for investors

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

Ranking
1
4 position up today
Advertised Rate

2.47%

Variable

Comparison Rate*

2.47%

Company
Freedom Lend
Repayment

$1,181

monthly

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

3.71

/ 5
Ranking
2
1 position down today
Advertised Rate

2.33%

Variable

Comparison Rate*

2.34%

Company
Tic Toc
Repayment

$1,159

monthly

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

3.48

/ 5
Ranking
3
1 position down today
Advertised Rate

2.36%

Variable

Comparison Rate*

2.39%

Company
Well Home Loans
Repayment

$1,164

monthly

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

3.51

/ 5
Ranking
4
1 position down today
Advertised Rate

2.44%

Variable

Comparison Rate*

2.47%

Company
Homestar Finance
Repayment

$1,176

monthly

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

3.60

/ 5
Ranking
5
1 position down today
Advertised Rate

2.39%

Variable

Comparison Rate*

2.44%

Company
Reduce Home Loans
Repayment

$1,168

monthly

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

3.46

/ 5

Best interest-only investor home loan

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

2.59%

Fixed - 5 years

Comparison Rate*

3.47%

Company
Greater Bank
Repayment

$648

monthly

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

3.30

/ 5
Ranking
2
6 position up today
Advertised Rate

2.79%

Fixed - 5 years

Comparison Rate*

3.48%

Company
Citi
Repayment

$698

monthly

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

3.32

/ 5
Ranking
3
4 position up today
Advertised Rate

2.69%

Fixed - 5 years

Comparison Rate*

3.04%

Company
Virgin Money
Repayment

$673

monthly

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

3.12

/ 5
Ranking
4
2 position down today
Advertised Rate

2.69%

Fixed - 5 years

Comparison Rate*

3.79%

Company
Newcastle Permanent
Repayment

$673

monthly

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

3.11

/ 5
Ranking
5
2 position down today
Advertised Rate

2.70%

Fixed - 5 years

Comparison Rate*

3.77%

Company
Health Professionals Bank
Repayment

$675

monthly

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

3.11

/ 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

1.89%

Variable

Comparison Rate*

2.28%

Company
Northern Inland CU
Repayment

$1,092

monthly

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

4.68

/ 5
Ranking
2
2 position down today
Advertised Rate

2.99%

Variable

Comparison Rate*

2.87%

Company
Suncorp Bank
Repayment

$748

monthly

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

2.10

/ 5
Ranking
3
1 position up today
Advertised Rate

2.39%

Variable

Comparison Rate*

2.41%

Company
Auswide Bank
Repayment

$1,168

monthly

Features
Redraw facility
Offset Account
Borrow up to 75%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.42

/ 5
Ranking
4
1 position down today
Advertised Rate

2.95%

Variable

Comparison Rate*

3.38%

Company
Greater Bank
Repayment

$738

monthly

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

2.14

/ 5
Ranking
5
5 position up today
Advertised Rate

1.99%

Intro 24 months

Comparison Rate*

2.93%

Company
Illawarra Credit Union
Repayment

$1,185

monthly

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

3.29

/ 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
5 position up today
Advertised Rate

2.59%

Variable

Comparison Rate*

2.61%

Company
St.George Bank
Repayment

$1,199

monthly

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

3.10

/ 5
Ranking
2
1 position down today
Advertised Rate

2.94%

Variable

Comparison Rate*

2.70%

Company
Suncorp Bank
Repayment

$735

monthly

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

1.97

/ 5
Ranking
3
1 position up today
Advertised Rate

2.49%

Variable

Comparison Rate*

2.52%

Company
ING
Repayment

$1,184

monthly

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

3.26

/ 5
Ranking
4
2 position down today
Advertised Rate

2.98%

Variable

Comparison Rate*

2.99%

Company
HSBC
Repayment

$745

monthly

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

1.80

/ 5
Ranking
5
5 position up today
Advertised Rate

2.69%

Variable

Comparison Rate*

2.70%

Company
Commonwealth Bank of Australia
Repayment

$1,215

monthly

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

3.35

/ 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

2.19%

Variable

Comparison Rate*

2.20%

Company
86 400
Repayment

$1,138

monthly

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

4.01

/ 5