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
- Best refinance home loans
- Best 3-year fixed home loans
- Best 5-year fixed home loans
- Best 2 year interest only investor home loans
- Best 4 year interest only investor home loans
- Best investor variable home loans
- Best packaged home loans
- Best investor 3-year fixed principal and interest loans
- Best investor 3-year fixed interest only loans
- Best investor 5-year fixed principal and interest loans
- Best investor 5-year fixed interest only loans
- Best 4 year fixed home loans
- Best 2 year fixed home loans
- Best home loans from large banks
- Best small deposit home loans
- Best home loans over $1M
- Best SMSF home loan
- Best green home loan
- Best new lender home loan
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 5 position up today | Product Select Variable Home Loan Real Time Rating™ | Interest Rate 2.34 % p.a Variable | Comparison Rate* 2.37 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position up today | Product & Basic Home Loan Real Time Rating™ | Interest Rate 2.44 % p.a Variable | Comparison Rate* 2.44 % p.a | Company | Repayment $1,176 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position up today | Product The Essentials Low Rate Home Loan Real Time Rating™ | Interest Rate 2.94 % p.a Variable | Comparison Rate* 3.11 % p.a | Company | Repayment $1,255 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 1 position up today | Product Standard Variable Home Loan Real Time Rating™ Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.54 % p.a Variable | Comparison Rate* 2.54 % p.a | Company | Repayment $1,192 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2022 | |
Ranking 5 1 position up today | Product Rate Lovers Variable Home Loan Real Time Rating™ | Interest Rate 2.29 % p.a Variable | Comparison Rate* 2.37 % p.a | Company | Repayment $1,153 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site |
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 | Product Select Variable Home Loan Real Time Rating™ | Interest Rate 2.34 % p.a Variable | Comparison Rate* 2.37 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position down today | Product The Essentials Low Rate Home Loan Real Time Rating™ | Interest Rate 2.84 % p.a Variable | Comparison Rate* 3.01 % p.a | Company | Repayment $1,239 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position down today | Product & Basic Home Loan Real Time Rating™ | Interest 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 60% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 1 position up today | Product Refinance with Lendi Real Time Rating™ | Interest 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 70% Extra Repayments Interest Only Owner Occupied | Go to site | Cashback $2,000 cashback when you switch your home loan to us. ~ Ends in 6 months | |
Ranking 5 1 position up today | Product Standard Variable Home Loan Real Time Rating™ Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 | Interest Rate 2.49 % p.a Variable | Comparison Rate* 2.49 % p.a | Company | Repayment $1,184 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | Go to site | Winner of Best Refinance Home Loan, RateCity Gold Awards 2022 |
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 2 position up today | Product Advantage - Fixed Home Loan (Special) Real Time Rating™ | Interest Rate 6.09 % p.a Fixed - 3 years | Comparison Rate* 3.51 % p.a | Company | Repayment $1,816 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 2 position up today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 4.04 % p.a Fixed - 3 years | Comparison Rate* 4.18 % p.a | Company | Repayment $1,439 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 2 position up today | Product Liberty Star Real Time Rating™ | Interest Rate 3.84 % p.a Fixed - 3 years | Comparison Rate* 4.14 % p.a | Company | Repayment $1,405 monthly | Features Redraw facility Offset Account Borrow up to 85% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 2 position up today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 5.39 % p.a Fixed - 3 years | Comparison Rate* 5.38 % p.a | Company | Repayment $1,683 monthly | Features Redraw facility Offset Account Borrow up to 94.99% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 4 position down today | Product Accelerator package home loan Real Time Rating™ | Interest Rate 5.14 % p.a Fixed - 3 years | Comparison Rate* 3.97 % p.a | Company | Repayment $1,636 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | Go to site |
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 2 1 position up today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 5.60 % p.a Fixed - 5 years | Comparison Rate* 5.26 % p.a | Company | Repayment $1,722 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position up today | Product myBlue Home Loan (Fixed Rate) (Principal and Interest) Real Time Rating™ | Interest Rate 5.30 % p.a Fixed - 5 years | Comparison Rate* 4.00 % p.a | Company | Repayment $1,666 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 1 position up today | Product Basic Home Loan Real Time Rating™ | Interest Rate 5.35 % p.a Fixed - 5 years | Comparison Rate* 4.31 % p.a | Company | Repayment $1,675 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 1 position up today | Product Mortgage Plus Real Time Rating™ | Interest Rate 6.04 % p.a Fixed - 5 years | Comparison Rate* 4.83 % p.a | Company | Repayment $1,806 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 6 1 position down today | Product Complete Home Loan Fixed Real Time Rating™ | Interest Rate 5.99 % p.a Fixed - 5 years | Comparison Rate* 4.51 % p.a | Company | Repayment $1,797 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site |
Best 2 year 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 two year term.
Ranking 1 1 position up today | Product Select Fixed Investment Loan Real Time Rating™ | Interest Rate 4.89 % p.a Fixed - 2 years | Comparison Rate* 3.10 % p.a | Company | Repayment $1,223 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position up today | Product Advantage - Fixed - Investment Real Time Rating™ | Interest Rate 6.09 % p.a Fixed - 2 years | Comparison Rate* 4.16 % p.a | Company | Repayment $1,523 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position up today | Product Premium Home Loan Package Real Time Rating™ | Interest Rate 4.85 % p.a Fixed - 2 years | Comparison Rate* 3.77 % p.a | Company | Repayment $1,213 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 3 position down today | Product Fixed Home Loan Real Time Rating™ | Interest Rate 4.84 % p.a Fixed - 2 years | Comparison Rate* 3.26 % p.a | Company | Repayment $1,210 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 4 position up today | Product Home Package Plus Real Time Rating™ | Interest Rate 5.14 % p.a Fixed - 2 years | Comparison Rate* 3.93 % p.a | Company | Repayment $1,285 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | special Home Package Plus Annual Fee reimbursed for the life of the loan. |
Best 4 year 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 four year term.
Ranking 1 1 position down today | Product Advantage - Fixed - Investment Real Time Rating™ | Interest Rate 6.69 % p.a Fixed - 4 years | Comparison Rate* 4.82 % p.a | Company | Repayment $1,673 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position down today | Product Freedom Package Real Time Rating™ | Interest Rate 5.99 % p.a Fixed - 4 years | Comparison Rate* 5.69 % p.a | Company | Repayment $1,498 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position down today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 5.65 % p.a Fixed - 4 years | Comparison Rate* 5.72 % p.a | Company | Repayment $1,413 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 1 position down today | Product myBlue Investment Loan (Fixed Rate) (Interest Only) Real Time Rating™ | Interest Rate 5.55 % p.a Fixed - 4 years | Comparison Rate* 4.16 % p.a | Company | Repayment $1,388 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 1 position down today | Product Complete Home Loan Investment Fixed Real Time Rating™ | Interest Rate 6.29 % p.a Fixed - 4 years | Comparison Rate* 4.49 % p.a | Company | Repayment $1,573 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site |
Best investor variable 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 | Product Select Variable Home Loan Real Time Rating™ | Interest Rate 2.69 % p.a Variable | Comparison Rate* 2.72 % p.a | Company | Repayment $1,215 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position up today | Product Advantage Investment Home Loan (Special) Real Time Rating™ | Interest Rate 4.24 % p.a Variable | Comparison Rate* 4.28 % p.a | Company | Repayment $1,474 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position up today | Product Standard Variable Investment Loan Real Time Rating™ | Interest Rate 3.14 % p.a Variable | Comparison Rate* 3.20 % p.a | Company | Repayment $1,288 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 2 position up today | Product Variable Home Loan Real Time Rating™ | Interest Rate 3.24 % p.a Variable | Comparison Rate* 3.24 % p.a | Company | Repayment $1,304 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 2 position up today | Product Basic Real Time Rating™ | Interest Rate 3.18 % p.a Variable | Comparison Rate* 3.23 % p.a | Company | Repayment $1,294 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site |
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 up today | Product Select Home Loan Real Time Rating™ | Interest Rate 2.34 % p.a Variable | Comparison Rate* 2.37 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position up today | Product Home Loan Package Real Time Rating™ | Interest Rate 2.44 % p.a Variable | Comparison Rate* 2.88 % p.a | Company | Repayment $1,176 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | special $5,000 First Home Buyers Grant on eligible loans | |
Ranking 3 2 position up today | Product Ultimate Home Loan Package Real Time Rating™ | Interest Rate 2.49 % p.a Variable | Comparison Rate* 2.88 % p.a | Company | Repayment $1,184 monthly | Features Redraw facility Offset Account Borrow up to 79.99% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 2 position up today | Product Expect More Home Loan Package Real Time Rating™ | Interest Rate 2.69 % p.a Variable | Comparison Rate* 2.71 % p.a | Company | Repayment $1,215 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 7 position up today | Product Flexible Loan Real Time Rating™ | Interest Rate 2.79 % p.a Variable | Comparison Rate* 3.24 % p.a | Company | Repayment $1,231 monthly | Features Redraw facility Offset Account Borrow up to 50% Extra Repayments Interest Only Owner Occupied | Go to site | Cashback Refinance Home Loan with ME Bank and receive a $2500 cashback ~ Ends in about 2 months |
Best investor 3-year fixed principal and interest 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 2 2 position up today | Product Liberty Star Real Time Rating™ | Interest Rate 4.19 % p.a Fixed - 3 years | Comparison Rate* 5.00 % p.a | Company | Repayment $1,465 monthly | Features Redraw facility Offset Account Borrow up to 85% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position down today | Product Accelerator package home loan Real Time Rating™ | Interest Rate 5.34 % p.a Fixed - 3 years | Comparison Rate* 4.13 % p.a | Company | Repayment $1,673 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 1 position up today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 4.89 % p.a Fixed - 3 years | Comparison Rate* 5.24 % p.a | Company | Repayment $1,590 monthly | Features Redraw facility Offset Account Borrow up to 94.99% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 1 position up today | Product Freedom Package Real Time Rating™ | Interest Rate 4.79 % p.a Fixed - 3 years | Comparison Rate* 5.28 % p.a | Company | Repayment $1,572 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 6 1 position up today | Product Wealth Builder Investor Package Real Time Rating™ | Interest Rate 5.17 % p.a Fixed - 3 years | Comparison Rate* 4.00 % p.a | Company | Repayment $1,642 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | Go to site |
Best investor 3-year fixed interest only 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 three year term.
Ranking 1 1 position up today | Product Advantage - Fixed - Investment Real Time Rating™ | Interest Rate 6.49 % p.a Fixed - 3 years | Comparison Rate* 4.49 % p.a | Company | Repayment $1,623 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 1 position up today | Product Accelerator package home loan Real Time Rating™ | Interest Rate 5.64 % p.a Fixed - 3 years | Comparison Rate* 4.17 % p.a | Company | Repayment $1,410 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 1 position up today | Product Freedom Package Real Time Rating™ | Interest Rate 4.99 % p.a Fixed - 3 years | Comparison Rate* 5.33 % p.a | Company | Repayment $1,248 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 1 position up today | Product Wealth Builder Investor Loan Real Time Rating™ | Interest Rate 5.62 % p.a Fixed - 3 years | Comparison Rate* 4.18 % p.a | Company | Repayment $1,405 monthly | Features Redraw facility Offset Account Borrow up to 89.99% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 1 position up today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 5.50 % p.a Fixed - 3 years | Comparison Rate* 5.76 % p.a | Company | Repayment $1,375 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site |
Best investor 5-year fixed principal and interest 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 1 position down today | Product Freedom Package Real Time Rating™ | Interest Rate 5.69 % p.a Fixed - 5 years | Comparison Rate* 5.63 % p.a | Company | Repayment $1,739 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 2 position down today | Product Wealth Builder Investor Package Real Time Rating™ | Interest Rate 5.74 % p.a Fixed - 5 years | Comparison Rate* 4.73 % p.a | Company | Repayment $1,749 monthly | Features Redraw facility Offset Account Borrow up to 89.99% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 3 position down today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 5.75 % p.a Fixed - 5 years | Comparison Rate* 5.68 % p.a | Company | Repayment $1,751 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 4 4 position down today | Product myBlue Investment Loan (Fixed Rate) (Principal and Interest) Real Time Rating™ | Interest Rate 5.45 % p.a Fixed - 5 years | Comparison Rate* 4.27 % p.a | Company | Repayment $1,694 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 5 1 position up today | Product Mortgage Plus Real Time Rating™ | Interest Rate 6.09 % p.a Fixed - 5 years | Comparison Rate* 4.89 % p.a | Company | Repayment $1,816 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | Go to site |
Best investor 5-year fixed interest only 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 down today | Product Freedom Package Real Time Rating™ | Interest Rate 5.99 % p.a Fixed - 5 years | Comparison Rate* 5.76 % p.a | Company | Repayment $1,498 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 2 2 position down today | Product Wealth Builder Investor Package Real Time Rating™ | Interest Rate 5.84 % p.a Fixed - 5 years | Comparison Rate* 4.97 % p.a | Company | Repayment $1,460 monthly | Features Redraw facility Offset Account Borrow up to 89.99% Extra Repayments Interest Only Owner Occupied | Go to site | ||
Ranking 3 3 position down today | Product Fixed Rate Home Loan Real Time Rating™ | Interest Rate 6.00 % p.a Fixed - 5 years | Comparison Rate* 5.93 % p.a | Company | Repayment $1,500 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied |