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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 variable home loans over $1 million
- Best variable investor home loans
- Best interest only investor home loans
- Best packaged home loans
- Best home loans from large banks
- Best home loans from new lenders
- Best small deposit home loans
- Best 3-year fixed home loans
- Best 4-year fixed home loans
- Best 5-year fixed home loans
- Best 3-year fixed investor home loans
- Best 5-year fixed investor home loans
- Best SMSF 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 1 position up today | Advertised Rate 1.89 % p.a Variable | Comparison Rate* 2.04 % p.a | Company | Repayment $1,092 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 1 position down today | Product | Advertised Rate 2.04 % p.a Variable | Comparison Rate* 2.04 % p.a | Company | Repayment $1,115 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position up today | Product | Advertised Rate 1.99 % p.a Variable | Comparison Rate* 2.04 % p.a | Company | Repayment $1,107 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | |
Ranking 4 6 position up today | Product | Advertised Rate 1.99 % p.a Variable | Comparison Rate* 2.02 % p.a | Company | Repayment $1,107 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 1 position down today | Advertised Rate 1.94 % p.a Variable | Comparison Rate* 1.98 % p.a | Company | Repayment $1,100 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
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 | Advertised Rate 1.84 % p.a Variable | Comparison Rate* 1.84 % p.a | Company | Repayment $1,085 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 1 position down today | Product | Advertised Rate 1.79 % p.a Variable | Comparison Rate* 1.79 % p.a | Company | Repayment $1,078 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position down today | Advertised Rate 1.79 % p.a Variable | Comparison Rate* 1.84 % p.a | Company | Repayment $1,078 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position down today | Product | Advertised Rate 1.99 % p.a Variable | Comparison Rate* 2.01 % p.a | Company | Repayment $1,107 monthly | Features Redraw facility Offset Account Borrow up to 59% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 1 position up today | Advertised Rate 1.77 % p.a Variable | Comparison Rate* 1.86 % p.a | Company | Repayment $1,075 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied |
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 | Product | Advertised Rate 1.95 % p.a Variable | Comparison Rate* 1.99 % p.a | Company | Repayment $1,101 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 1 position up today | Advertised Rate 1.89 % p.a Variable | Comparison Rate* 2.04 % p.a | Company | Repayment $1,092 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
Ranking 3 1 position down today | Product | Advertised Rate 2.04 % p.a Variable | Comparison Rate* 2.04 % p.a | Company | Repayment $1,115 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 4 4 position down today | Product | Advertised Rate 2.08 % p.a Variable | Comparison Rate* 2.36 % p.a | Company | Repayment $1,121 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 1 position up today | Product | Advertised Rate 2.14 % p.a Variable | Comparison Rate* 2.14 % p.a | Company | Repayment $1,130 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
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 1 position up today | Advertised Rate 2.19 % p.a Variable | Comparison Rate* 2.26 % p.a | Company | Repayment $1,138 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 2 position up today | Product | Advertised Rate 2.19 % p.a Variable | Comparison Rate* 2.20 % p.a | Company | Repayment $1,138 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 12 position up today | Advertised 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 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 2 position up today | Product | Advertised Rate 2.39 % p.a Variable | Comparison Rate* 2.39 % p.a | Company | Repayment $1,168 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 1 position down today | Product | Advertised Rate 2.34 % p.a Variable | Comparison Rate* 2.63 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied |
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 2.78 % p.a Fixed - 5 years | Comparison Rate* 3.89 % p.a | Company | Repayment $695 monthly | Features Redraw facility Offset Account Borrow up to 89.9999% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 1 position up today | Advertised Rate 2.64 % p.a Fixed - 5 years | Comparison Rate* 2.73 % p.a | Company | Repayment $660 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 3 1 position down today | Advertised Rate 2.89 % p.a Fixed - 5 years | Comparison Rate* 4.01 % p.a | Company | Repayment $723 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position up today | Product | Advertised Rate 2.79 % p.a Fixed - 5 years | Comparison Rate* 3.65 % p.a | Company | Repayment $698 monthly | Features Redraw facility Offset Account Borrow up to 89% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 1 position up today | Advertised Rate 2.88 % p.a Fixed - 5 years | Comparison Rate* 3.02 % p.a | Company | Repayment $720 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
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 | Repayment $1,078 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 1 position down today | Product | Advertised Rate 1.89 % p.a Variable | Comparison Rate* 2.28 % p.a | Company | Repayment $1,092 monthly | Features Redraw facility Offset Account Borrow up to 59.9999% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position up today | Advertised Rate 2.29 % p.a Variable | Comparison Rate* 2.31 % p.a | Company | Repayment $1,153 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position up today | Product | Advertised Rate 2.29 % p.a Variable | Comparison Rate* 2.57 % p.a | Company | Repayment $1,153 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 2 position up today | Advertised Rate 2.34 % p.a Variable | Comparison Rate* 2.76 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied |
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 11 position up today | Product | Advertised Rate 2.19 % p.a Variable | Comparison Rate* 2.36 % p.a | Company | Repayment $1,138 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 1 position up today | Advertised 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 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 3 1 position up today | Advertised Rate 2.29 % p.a Variable | Comparison Rate* 2.32 % p.a | Company | Repayment $1,153 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position down today | Advertised Rate 2.49 % p.a Variable | Comparison Rate* 2.51 % p.a | Company | Repayment $1,184 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 5 3 position up today | Advertised Rate 2.49 % p.a Variable | Comparison Rate* 2.52 % p.a | Company | Repayment $1,184 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
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 1.99 % p.a Variable | Comparison Rate* 1.99 % p.a | Company | Repayment $1,107 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 1 position down today | Product | Advertised Rate 2.19 % p.a Variable | Comparison Rate* 2.20 % p.a | Company | Repayment $1,138 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position up today | Advertised Rate 2.33 % p.a Variable | Comparison Rate* 3.71 % p.a | Company | Repayment $1,159 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position down today | Product | Advertised Rate 2.79 % p.a Variable | Comparison Rate* 2.87 % p.a | Company | Repayment $698 monthly | Features Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 4 position up today | Product | Advertised Rate 2.34 % p.a Variable | Comparison Rate* 2.38 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied |
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 | Product | Advertised Rate 2.29 % p.a Variable | Comparison Rate* 2.31 % p.a | Company | Repayment $1,153 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 1 position up today | Product | Advertised Rate 2.34 % p.a Variable | Comparison Rate* 2.38 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position down today | Product | Advertised Rate 2.34 % p.a Variable | Comparison Rate* 2.38 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 98% Extra Repayments Interest Only Owner Occupied | |
Ranking 4 2 position down today | Advertised Rate 2.54 % p.a Variable | Comparison Rate* 2.56 % p.a | Company | Repayment $1,192 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | ||
Ranking 5 2 position down today | Advertised Rate 2.29 % p.a Intro 24 months | Comparison Rate* 2.72 % p.a | Company | Repayment $1,231 monthly | Features Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied |
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 | Repayment $1,100 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 1 position up today | Product | Advertised Rate 2.14 % p.a Fixed - 3 years | Comparison Rate* 2.06 % p.a | Company | Repayment $1,130 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position up today | Product | Advertised Rate 2.07 % p.a Fixed - 3 years | Comparison Rate* 1.97 % p.a | Company | Repayment $1,119 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | |
Ranking 4 1 position down today | Product | Advertised Rate 2.14 % p.a Fixed - 3 years | Comparison Rate* 1.96 % p.a | Company | Repayment $1,130 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 1 position up today | Advertised Rate 1.85 % p.a Fixed - 3 years | Comparison Rate* 2.24 % p.a | Company | Repayment $1,086 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
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 2 position up today | Advertised Rate 2.24 % p.a Fixed - 4 years | Comparison Rate* 2.14 % p.a | Company | Repayment $1,145 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 2 1 position up today | Product | Advertised Rate 2.27 % p.a Fixed - 4 years | Comparison Rate* 2.03 % p.a | Company | Repayment $1,150 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 1 position up today | Advertised Rate 2.19 % p.a Fixed - 4 years | Comparison Rate* 3.26 % p.a | Company | Repayment $1,138 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position down today | Advertised Rate 2.14 % p.a Fixed - 4 years | Comparison Rate* 2.85 % p.a | Company | Repayment $1,130 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 5 1 position down today | Advertised Rate 2.19 % p.a Fixed - 4 years | Comparison Rate* 3.26 % p.a | Company | Repayment $1,138 monthly | Features Redraw facility Offset Account Borrow up to 59.9999% Extra Repayments Interest Only Owner Occupied |
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 1 3 position up today | Product | Advertised Rate 2.40 % p.a Fixed - 5 years | Comparison Rate* 2.88 % p.a | Company | Repayment $1,170 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 2 position up today | Product | Advertised Rate 2.27 % p.a Fixed - 5 years | Comparison Rate* 2.05 % p.a | Company | Repayment $1,150 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 5 position up today | Advertised Rate 2.39 % p.a Fixed - 5 years | Comparison Rate* 2.98 % p.a | Company | Repayment $1,168 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position down today | Advertised Rate 2.24 % p.a Fixed - 5 years | Comparison Rate* 2.33 % p.a | Company | Repayment $1,145 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 5 1 position up today | Advertised Rate 2.49 % p.a Fixed - 5 years | Comparison Rate* 3.31 % p.a | Company | Repayment $1,184 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied |
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 | Product | Advertised Rate 2.15 % p.a Fixed - 3 years | Comparison Rate* 2.99 % p.a | Company | Repayment $1,131 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 1 position up today | Advertised Rate 2.34 % p.a Fixed - 3 years | Comparison Rate* 2.49 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 3 1 position up today | Product | Advertised Rate 2.32 % p.a Fixed - 3 years | Comparison Rate* 2.22 % p.a | Company | Repayment $1,157 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | |
Ranking 4 1 position down today | Product | Advertised Rate 2.34 % p.a Fixed - 3 years | Comparison Rate* 2.36 % p.a | Company | Repayment $1,161 monthly | Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | |
Ranking 5 2 position up today | Advertised Rate 2.24 % p.a Fixed - 3 years | Comparison Rate* 2.79 % p.a | Company | Repayment $1,145 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied |
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 | Product | Advertised Rate 2.60 % p.a Fixed - 5 years | Comparison Rate* 3.08 % p.a | Company | Repayment $1,201 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 1 position up today | Product | Advertised Rate 2.52 % p.a Fixed - 5 years | Comparison Rate* 2.30 % p.a | Company | Repayment $1,188 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 11 position up today | Advertised Rate 2.64 % p.a Fixed - 5 years | Comparison Rate* 3.93 % p.a | Company | Repayment $1,207 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 1 position up today | Advertised Rate 2.69 % p.a Fixed - 5 years | Comparison Rate* 3.71 % p.a | Company | Repayment $1,215 monthly | Features Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied | ||
Ranking 5 1 position down today | Advertised Rate 2.69 % p.a Fixed - 5 years | Comparison Rate* 3.72 % p.a | Company | Repayment $1,215 monthly | Features Redraw facility Offset Account Borrow up to 59.9999% Extra Repayments Interest Only Owner Occupied |
Best SMSF home loan
RateCity's top-rated home loans for Self-Managed Super Funds. Assumes a a $400,000 mortgage.
Ranking 1 2 position up today | Product | Advertised Rate 4.39 % p.a Variable | Comparison Rate* 5.02 % p.a | Company | Repayment $1,098 monthly | Features Redraw facility Offset Account Borrow up to 65% Extra Repayments Interest Only Owner Occupied | |
Ranking 2 2 position up today | Product | Advertised Rate 4.74 % p.a Variable | Comparison Rate* 5.28 % p.a | Company | Repayment $1,185 monthly | Features Redraw facility Offset Account Borrow up to 65% Extra Repayments Interest Only Owner Occupied | |
Ranking 3 2 position up today | Advertised Rate 4.99 % p.a Variable | Comparison Rate* 5.48 % p.a | Company | Repayment $1,609 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | ||
Ranking 4 2 position up today | Advertised Rate 5.34 % p.a Variable | Comparison Rate* 5.52 % p.a | Company | Repayment $1,673 monthly | Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
Ranking 5 1 position up today | Product | Advertised Rate 4.75 % p.a Variable | Comparison Rate* 4.78 % p.a | Company | Repayment $1,565 monthly | Features Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied |