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

2.09

% p.a

Variable

Comparison Rate*

2.09

% p.a

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

1.94

% p.a

Variable

Comparison Rate*

1.98

% p.a

Company
Mortgage House
Repayment

$1,100

monthly

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

4.23

/ 5
Ranking
3
1 position up today
Advertised Rate

2.17

% p.a

Variable

Comparison Rate*

2.17

% p.a

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
1 position down today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.05

% p.a

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
5
1 position down today
Advertised Rate

2.14

% p.a

Variable

Comparison Rate*

2.17

% p.a

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

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

1.89

% p.a

Variable

Comparison Rate*

1.89

% p.a

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 up today
Advertised Rate

1.97

% p.a

Variable

Comparison Rate*

1.97

% p.a

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
2 position down today
Advertised Rate

1.79

% p.a

Variable

Comparison Rate*

1.84

% p.a

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
1 position up today
Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.01

% p.a

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
1 position up today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

2.28

% p.a

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 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
Easy Street Financial Services
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 down today
Advertised Rate

2.09

% p.a

Variable

Comparison Rate*

2.09

% p.a

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
3
1 position down today
Advertised Rate

2.17

% p.a

Variable

Comparison Rate*

2.17

% p.a

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
1 position down today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.69

% p.a

Company
WLTH
Repayment

$1,138

monthly

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

3.90

/ 5
Ranking
5
1 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.34

% p.a

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 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
4 position up today
Advertised Rate

2.24

% p.a

Variable

Comparison Rate*

2.27

% p.a

Company
Well Home Loans
Repayment

$1,145

monthly

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

3.79

/ 5
Ranking
2
1 position down today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.38

% p.a

Company
Reduce Home Loans
Repayment

$1,153

monthly

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

3.75

/ 5
Ranking
3
1 position up today
Advertised Rate

2.47

% p.a

Variable

Comparison Rate*

2.47

% p.a

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™

3.74

/ 5
Ranking
4
1 position down today
Advertised Rate

2.33

% p.a

Variable

Comparison Rate*

2.34

% p.a

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
5
1 position down today
Advertised Rate

2.39

% p.a

Variable

Comparison Rate*

2.41

% p.a

Company
Homeloans.com.au
Repayment

$1,168

monthly

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

3.56

/ 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

2.69

% p.a

Fixed - 5 years

Comparison Rate*

3.04

% p.a

Company
Virgin Money
Repayment

$673

monthly

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

2.97

/ 5
Ranking
2
29 position up today
Advertised Rate

2.80

% p.a

Fixed - 5 years

Comparison Rate*

3.20

% p.a

Company
Bank Australia
Repayment

$700

monthly

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

3.01

/ 5
Ranking
3
1 position down today
Product
Advertised Rate

2.69

% p.a

Fixed - 5 years

Comparison Rate*

3.61

% p.a

Company
BCU
Repayment

$673

monthly

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

2.74

/ 5
Ranking
4
1 position down today
Product
Advertised Rate

2.79

% p.a

Fixed - 5 years

Comparison Rate*

3.40

% p.a

Company
Endeavour Mutual Bank
Repayment

$698

monthly

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

2.81

/ 5
Ranking
5
1 position down today
Advertised Rate

2.79

% p.a

Fixed - 5 years

Comparison Rate*

3.40

% p.a

Company
Sydney Mutual Bank
Repayment

$698

monthly

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

2.72

/ 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
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
2
1 position down today
Advertised Rate

1.89

% p.a

Variable

Comparison Rate*

2.28

% p.a

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
3
1 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.31

% p.a

Company
Bank of Sydney
Repayment

$1,153

monthly

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

4.07

/ 5
Ranking
4
1 position down today
Advertised Rate

3.04

% p.a

Variable

Comparison Rate*

3.46

% p.a

Company
People's Choice Credit Union
Repayment

$760

monthly

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

2.33

/ 5
Ranking
5
2 position up today
Advertised Rate

2.54

% p.a

Variable

Comparison Rate*

2.97

% p.a

Company
HSBC
Repayment

$1,192

monthly

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

3.68

/ 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
1 position up today
Advertised Rate

2.44

% p.a

Variable

Comparison Rate*

2.45

% p.a

Company
HSBC
Repayment

$1,176

monthly

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

4.02

/ 5
Ranking
2
2 position up today
Advertised Rate

2.49

% p.a

Variable

Comparison Rate*

2.51

% p.a

Company
St.George Bank
Repayment

$1,184

monthly

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

3.34

/ 5
Ranking
3
1 position down today
Advertised Rate

2.44

% p.a

Variable

Comparison Rate*

2.45

% p.a

Company
Suncorp Bank
Repayment

$1,176

monthly

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

3.54

/ 5
Ranking
4
5 position up today
Advertised Rate

2.99

% p.a

Variable

Comparison Rate*

2.95

% p.a

Company
AMP Bank
Repayment

$748

monthly

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

2.03

/ 5
Ranking
5
1 position down today
Advertised Rate

2.49

% p.a

Variable

Comparison Rate*

2.52

% p.a

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

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

% p.a

Variable

Comparison Rate*

2.20

% p.a

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
Ranking
2
1 position up today
Advertised Rate

2.19

% p.a

Variable

Comparison Rate*

2.19

% p.a

Company
Athena Home Loans
Repayment

$1,138

monthly

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

3.87

/ 5
Ranking
3
1 position down today
Advertised Rate

2.79

% p.a

Variable

Comparison Rate*

2.84

% p.a

Company
Bank of Heritage Isle
Repayment

$698

monthly

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

2.26

/ 5
Ranking
4
18 position up today
Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.63

% p.a

Company
Fire Service Credit Union
Repayment

$1,153

monthly

Features
Redraw facility
Offset Account
Borrow up to 79.9999%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.63

/ 5
Ranking
5
1 position down today
Advertised Rate

2.42

% p.a

Variable

Comparison Rate*

3.22

% p.a

Company
Laboratories Credit Union
Repayment

$1,173

monthly

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

3.30

/ 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
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
2
4 position up today
Advertised Rate

2.54

% p.a

Variable

Comparison Rate*

2.56

% p.a

Company
St.George Bank
Repayment

$1,192

monthly

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

3.22

/ 5
Ranking
3
1 position down today
Advertised Rate

2.29

% p.a

Intro 24 months

Comparison Rate*

2.72

% p.a

Company
Westpac
Repayment

$1,231

monthly

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

3.17

/ 5
Ranking
4
40 position up today
Advertised Rate

2.59

% p.a

Variable

Comparison Rate*

2.69

% p.a

Company
Easy Street Financial Services
Repayment

$1,199

monthly

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

3.18

/ 5
Ranking
5
38 position up today
Advertised Rate

2.59

% p.a

Variable

Comparison Rate*

2.64

% p.a

Company
Illawarra Credit Union
Repayment

$1,199

monthly

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

3.04

/ 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
Hume Bank
Repayment

$1,100

monthly

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

4.39

/ 5
Ranking
2
1 position up today
Advertised Rate

1.75

% p.a

Fixed - 3 years

Comparison Rate*

2.22

% p.a

Company
UBank
Repayment

$1,072

monthly

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

3.80

/ 5
Ranking
3
1 position down today
Advertised Rate

1.99

% p.a

Fixed - 3 years

Comparison Rate*

2.15

% p.a

Company
Tic Toc
Repayment

$1,107

monthly

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

4.24

/ 5
Ranking
4
1 position down today
Advertised Rate

2.04

% p.a

Fixed - 3 years

Comparison Rate*

2.17

% p.a

Company
Well Home Loans
Repayment

$1,115

monthly

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

4.39

/ 5
Ranking
5
1 position down today
Advertised Rate

1.89

% p.a

Fixed - 3 years

Comparison Rate*

3.03

% p.a

Company
People's Choice Credit Union
Repayment

$1,092

monthly

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

4.41

/ 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
9 position up today
Advertised Rate

1.89

% p.a

Fixed - 4 years

Comparison Rate*

3.16

% p.a

Company
Bank of Melbourne
Repayment

$1,092

monthly

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

4.64

/ 5
Ranking
2
4 position up today
Advertised Rate

1.94

% p.a

Fixed - 4 years

Comparison Rate*

3.21

% p.a

Company
St.George Bank
Repayment

$1,100

monthly

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

4.64

/ 5
Ranking
3
17 position up today
Advertised Rate

2.04

% p.a

Fixed - 4 years

Comparison Rate*

2.07

% p.a

Company
Hume Bank
Repayment

$1,115

monthly

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

4.39

/ 5
Ranking
4
1 position down today
Advertised Rate

1.99

% p.a

Fixed - 4 years

Comparison Rate*

3.26

% p.a

Company
BankSA
Repayment

$1,107

monthly

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

4.64

/ 5
Ranking
5
1 position down today
Advertised Rate

1.99

% p.a

Fixed - 4 years

Comparison Rate*

3.29

% p.a

Company
Westpac
Repayment

$1,107

monthly

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

4.49

/ 5

Best 5-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
3 position up today
Advertised Rate

2.10

% p.a

Fixed - 5 years

Comparison Rate*

2.77

% p.a

Company
Bank Australia
Repayment

$1,124

monthly

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

4.89

/ 5
Ranking
2
1 position up today
Advertised Rate

2.19

% p.a

Fixed - 5 years

Comparison Rate*

3.19

% p.a

Company
Bank of Melbourne
Repayment

$1,138

monthly

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

4.64

/ 5
Ranking
3
1 position down today
Advertised Rate

2.19

% p.a

Fixed - 5 years

Comparison Rate*

3.19

% p.a

Company
St.George Bank
Repayment

$1,138

monthly

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

4.64

/ 5
Ranking
4
1 position down today
Advertised Rate

2.29

% p.a

Fixed - 5 years

Comparison Rate*

2.75

% p.a

Company
RAMS
Repayment

$1,153

monthly

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

4.62

/ 5
Ranking
5
1 position up today
Advertised Rate

2.29

% p.a

Fixed - 5 years

Comparison Rate*

3.29

% p.a

Company
BankSA
Repayment

$1,153

monthly

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

4.51

/ 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
Bank Australia
Repayment

$1,131

monthly

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

4.28

/ 5
Ranking
2
1 position down today
Advertised Rate

2.29

% p.a

Fixed - 3 years

Comparison Rate*

2.39

% p.a

Company
Well Home Loans
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
3
1 position down today
Advertised Rate

2.25

% p.a

Fixed - 3 years

Comparison Rate*

2.55

% p.a

Company
Tic Toc
Repayment

$1,147

monthly

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

3.87

/ 5
Ranking
4
1 position down today
Advertised Rate

2.37

% p.a

Fixed - 3 years

Comparison Rate*

2.28

% p.a

Company
Freedom Lend
Repayment

$1,165

monthly

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

3.79

/ 5
Ranking
5
62 position up today
Advertised Rate

2.34

% p.a

Fixed - 3 years

Comparison Rate*

2.49

% p.a

Company
Hume Bank
Repayment

$1,161

monthly

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

3.77

/ 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

2.30

% p.a

Fixed - 5 years

Comparison Rate*

2.96

% p.a

Company
Bank Australia
Repayment

$1,154

monthly

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

4.45

/ 5
Ranking
2
1 position down today
Product
Advertised Rate

2.59

% p.a

Fixed - 5 years

Comparison Rate*

3.18

% p.a

Company
Endeavour Mutual Bank
Repayment

$1,199

monthly

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

3.60

/ 5
Ranking
3
1 position up today
Advertised Rate

2.69

% p.a

Fixed - 5 years

Comparison Rate*

3.72

% p.a

Company
Bank of Melbourne
Repayment

$1,215

monthly

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

3.64

/ 5
Ranking
4
1 position down today
Advertised Rate

2.69

% p.a

Fixed - 5 years

Comparison Rate*

3.71

% p.a

Company
St.George Bank
Repayment

$1,215

monthly

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

3.64

/ 5
Ranking
5
1 position down today
Advertised Rate

2.57

% p.a

Fixed - 5 years

Comparison Rate*

2.37

% p.a

Company
Freedom Lend
Repayment

$1,196

monthly

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

3.44

/ 5

Best SMSF home loan

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

Ranking
1
1 position up today
Advertised Rate

2.79

% p.a

Variable

Comparison Rate*

2.83

% p.a

Company
Yellow Brick Road
Repayment

$698

monthly

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

2.23

/ 5
Ranking
2
1 position down today
Advertised Rate

2.79

% p.a

Variable

Comparison Rate*

2.83

% p.a

Company
RESI Mortgage Corp
Repayment

$698

monthly

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

2.23

/ 5
Ranking
3
2 position down today
Advertised Rate

4.64

% p.a

Variable

Comparison Rate*

5.18

% p.a

Company
Freedom Lend
Repayment

$1,545

monthly

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

1.97

/ 5
Ranking
4
2 position down today
Product
Advertised Rate

5.48

% p.a

Variable

Comparison Rate*

5.96

% p.a

Company
WLTH
Repayment

$1,700

monthly

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

1.76

/ 5
Ranking
5
2 position down today
Advertised Rate

4.99

% p.a

Variable

Comparison Rate*

5.48

% p.a

Company
Mortgage House
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

The 2021 Home Loan Award Winners