Home Loan Leaderboard

Look at more than just the interest rate

Whether you're looking for a mortgage to invest, to refinance, or to purchase your first home, you'll want to be confident you're making the best choice for your finances. RateCity’s Real Time Ratings™ take into account the interest rates, fees and features of different home loan options, to help you make a smarter financial decision.

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Narrow down your options by eliminating unsuitable lenders and home loans

Best big deposit home loan

Table shows today’s top-rated home loans in the RateCity database for owner-occupier borrowers with $400,000 a deposit of at least $500,000 of the value of the property or higher, based on a loan size of $400,000

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 77 days	Freedom Variable	Advertised rate 3.04% Variable	Comparison rate* 3.04%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.79 / 5
2 Since 23 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.76 / 5
3 Since 17 days	Standard Variable Home Loan	Advertised rate 2.99% Variable	Comparison rate* 2.99%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.72 / 5
4 Since 17 days	Mortgage Plus	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.51%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.7 / 5
5 Since 17 days	Owner Occupied Home Loan	Advertised rate 3.04% Variable	Comparison rate* 3.07%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.69 / 5

Best small deposit home loan

Table shows today’s top-rated owner-occupier home loans in the RateCity database for borrowers with a deposit of 5% of the value of the property or higher, based on a loan size of $400,000

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 30 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.76 / 5
2 Since 30 days	Freedom Variable	Advertised rate 3.04% Variable	Comparison rate* 3.04%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.74 / 5
3 Since 30 days	Owner Occupied Home Loan Cashback$700 cashback after your settlement	Advertised rate 3.04% Variable	Comparison rate* 3.07%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.69 / 5
4 Since 30 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.67 / 5
5 Since 14 days	Well Balanced	Advertised rate 2.97% Variable	Comparison rate* 3.00%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.6 / 5

Best investor home loan

Table shows today’s top-rated investor home loans in the RateCity database on a loan size of $400K

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 77 days	Freedom Variable	Advertised rate 3.34% Variable	Comparison rate* 3.34%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.45 / 5
2 Since 50 days	Investment Variable Home Loan	Advertised rate 3.29% Variable	Comparison rate* 3.29%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.43 / 5
3 Since 16 days	Well Balanced	Advertised rate 3.27% Variable	Comparison rate* 3.30%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.31 / 5
4 1 position up today	Rate Slasher Variable Investment Loan	Advertised rate 3.24% Variable	Comparison rate* 3.24%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.22 / 5
5 1 position down today	Investor Rate Lovers Variable	Advertised rate 3.34% Variable	Comparison rate* 3.34%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.22 / 5

Best first home buyer home loan

Table shows today’s top-rated home loans in the RateCity database for first home buyers with a deposit of XX% of the value of the property or higher, based on a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 77 days	Freedom Variable	Advertised rate 3.04% Variable	Comparison rate* 3.04%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.79 / 5
2 Since 23 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.76 / 5
3 Since 17 days	Standard Variable Home Loan	Advertised rate 2.99% Variable	Comparison rate* 2.99%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.72 / 5
4 Since 17 days	Mortgage Plus	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.51%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.7 / 5
5 Since 17 days	Owner Occupied Home Loan	Advertised rate 3.04% Variable	Comparison rate* 3.07%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.69 / 5

Best construction home loan

Table shows today’s top-rated construction home loans in the RateCity database. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 93 days	Freedom Variable	Advertised rate 3.04% Variable	Comparison rate* 3.04%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.79 / 5
2 Since 17 days	Standard Variable Home Loan	Advertised rate 2.99% Variable	Comparison rate* 2.99%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.72 / 5
3 Since 17 days	Mortgage Plus	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.51%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.7 / 5
4 Since 17 days	Advantage - Essentials Home Loan	Advertised rate 2.99% Variable	Comparison rate* 3.02%	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.62 / 5
5 Since 17 days	Health, Wealth and Happiness Package	Advertised rate 3.30% Variable	Comparison rate* 3.70%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.6 / 5

Best fixed home loan

Table shows today’s top-rated fixed home loans in the RateCity database for borrowers with a deposit of XX% of the value of the property or higher, based on a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 25 days	Mortgage Plus	Advertised rate 2.99% Fixed - 3 years	Comparison rate* 3.54%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.58 / 5
2 Since 25 days	Flexi Options SpecialWaiver of standard valuation fees up to a max cost of $300 and document preparation fee of $150.	Advertised rate 2.99% Fixed - 3 years	Comparison rate* 3.27%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.55 / 5
3 Since 14 days	Well Balanced SpecialNo application, settlement and valuation fee	Advertised rate 2.74% Fixed - 3 years	Comparison rate* 2.94%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.52 / 5
4 Since 1 day	Flexi Options	Advertised rate 2.99% Fixed - 3 years	Comparison rate* 3.36%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.49 / 5
5 Since 1 day	Advantage Package	Advertised rate 2.94% Fixed - 3 years	Comparison rate* 3.76%	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.49 / 5

Best line of credit home loan

Table shows today’s top-rated line of credit home loans in the RateCity database. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 120 days	Horizon Loan	Advertised rate 3.54% Variable	Comparison rate* 3.86%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.83 / 5
2 Since 59 days	Low Rate Line of Credit Home Loan	Advertised rate 3.40% Variable	Comparison rate* 3.42%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.57 / 5
3 Since 59 days	Standard Variable Loan	Advertised rate 4.04% Variable	Comparison rate* 4.05%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.18 / 5
4 Since 60 days	Select Line of Credit	Advertised rate 3.99% Variable	Comparison rate* 4.20%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.58 / 5
5 Since 60 days	Line of Credit Home Loan	Advertised rate 3.84% Variable	Comparison rate* 3.84%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.46 / 5

Best SMSF home loan

Table shows today’s top-rated self-managed super fund home loans in the RateCity database. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 24 days	Owner Occupied Home Loans	Advertised rate 2.99% Variable	Comparison rate* 3.04%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.64 / 5
2 Since 1 day	Freedom SMSF	Advertised rate 5.99% Variable	Comparison rate* 6.60%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.96 / 5
3 Since 2 days	Mhouse - Home Loan Prime (SMSF - Class 1 - Combo)	Advertised rate 4.99% Variable	Comparison rate* 5.48%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.72 / 5
4 Since 2 days	Self-Managed Super Fund	Advertised rate 5.89% Variable	Comparison rate* 6.47%	Features Redraw facility Offset Account Borrow up to 75% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.68 / 5
5 Since 24 days	Self Managed Super Fund	Advertised rate 5.39% Variable	Comparison rate* 5.90%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.56 / 5

Best package home loan

Table shows today’s top-rated packaged home loans in the RateCity database. These are home loans available as part of a package with one or more other financial products, such as a credit card and transaction account. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 24 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.76 / 5
2 Since 17 days	Mortgage Plus	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.51%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.7 / 5
3 Since 1 day	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.67 / 5
4 Since 1 day	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.80%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.67 / 5
5 Since 17 days	Health, Wealth and Happiness Package	Advertised rate 3.30% Variable	Comparison rate* 3.70%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.6 / 5

Best basic home loan

Table shows today’s top-rated basic home loans in the RateCity database. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 82 days	Low Rider	Advertised rate 2.89% Variable	Comparison rate* 2.91%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.35 / 5
2 Since 3 days	Back to Basics Home Loan	Advertised rate 3.18% Variable	Comparison rate* 3.19%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.31 / 5
3 Since 3 days	BOSBasic Home Loan	Advertised rate 3.11% Variable	Comparison rate* 3.13%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.25 / 5
4 Since 3 days	Citibank Basic Mortgage	Advertised rate 3.21% Variable	Comparison rate* 3.26%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.22 / 5
5 Since 3 days	Basic Home Loan	Advertised rate 3.24% Variable	Comparison rate* 3.24%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.19 / 5

Best home loan - popular banks

Table shows today’s top-rated home loans from the four major Australian banks and available in the RateCity database. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 64 days	Extra Loan Cashback$2,000 cashback for refinances of eligible home loans to CommBank applied by 7th October 2019	Advertised rate 3.35% Variable	Comparison rate* 3.36%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.35 / 5
2 Since 64 days	Base Variable Rate Home Loan	Advertised rate 3.35% Variable	Comparison rate* 3.39%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.01 / 5
3 Since 64 days	Simplicity Plus Loan	Advertised rate 3.38% Variable	Comparison rate* 3.42%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.95 / 5
4 Since 2 days	Fixed Rate Loans	Advertised rate 3.53% Fixed - 5 years	Comparison rate* 4.46%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.6 / 5
5 Since 57 days	Simplicity Plus Investment Loan	Advertised rate 3.66% Variable	Comparison rate* 3.70%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.53 / 5

Best home loan from a bank

Table shows today’s top-rated home loans from banks and available in the RateCity database. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 26 days	Advantage Package	Advertised rate 2.94% Fixed - 5 years	Comparison rate* 3.72%	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.76 / 5
2 Since 3 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.77%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.67 / 5
3 Since 3 days	Advantage Package	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.80%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.67 / 5
4 4 position down today	Ultimate SpecialBorrow up to 110% of the property value by asking your family to guarantee the home loan by using their property as security on your mortgage	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.92%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.57 / 5
5 1 position up today	SmartFix Loan	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.40%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.57 / 5

Best home loan from a green lender

Table shows today’s top-rated green home loans in the RateCity database. This includes home loans that reward borrowers for renovating or building in a sustainable way. This is based on borrowers with a deposit of XX% of the value of the property or higher, and a loan size of $0.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 65 days	Sustainable Home Loan	Advertised rate 3.44% Variable	Comparison rate* 3.46%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4 / 5
2 Since 64 days	Green Home Loan	Advertised rate 3.69% Variable	Comparison rate* 3.81%	Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.38 / 5
3 Since 64 days	Eco Home Loan	Advertised rate 3.64% Variable	Comparison rate* 3.69%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.32 / 5
4 Since 64 days	Green Home Loan	Advertised rate 4.18% Variable	Comparison rate* 4.24%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.06 / 5

Best home loan

The best home loan as ranked by RateCity’s real time ratings™ system.

Ranking	Product	Advertised rate	Comparison rate*	Features	Real Time Rating™

1 Since 77 days	Freedom Variable	Advertised rate 3.04% Variable	Comparison rate* 3.04%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.79 / 5
2 Since 17 days	Advantage Package	Advertised rate 2.94% Fixed - 5 years	Comparison rate* 3.72%	Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.76 / 5
3 Since 17 days	Standard Variable Home Loan	Advertised rate 2.99% Variable	Comparison rate* 2.99%	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.72 / 5
4 Since 17 days	Mortgage Plus	Advertised rate 2.99% Fixed - 5 years	Comparison rate* 3.51%	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.7 / 5
5 Since 17 days	Owner Occupied Home Loan	Advertised rate 2.99% Variable	Comparison rate* 3.02%	Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 4.69 / 5

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