RateCity.com.au
powering smart financial decisions

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%.

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.

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%.

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%.

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.

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.

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%.

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

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.

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.

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.

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.

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.

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.

Best SMSF home loan

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

The 2021 Home Loan Award Winners