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 down today	Product Standard Variable Home Loan	Advertised Rate 2.09% Variable	Comparison Rate* 2.09%	Company Compare	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	Product Super Saver	Advertised Rate 1.99% Variable	Comparison Rate* 2.05%	Company Compare	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 3 1 position down today	Product Freedom Variable	Advertised Rate 2.17% Variable	Comparison Rate* 2.17%	Company Compare	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 4 position down today	Product Star Essentials Home Loan	Advertised Rate 2.14% Variable	Comparison Rate* 2.17%	Company Compare	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
Ranking 5 5 position down today	Product Live-in Variable (With Offset)	Advertised Rate 2.19% Variable	Comparison Rate* 2.34%	Company Compare	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

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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 down today	Product Standard Variable Home Loan	Advertised Rate 1.89% Variable	Comparison Rate* 1.89%	Company Compare	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 down today	Product Freedom Variable	Advertised Rate 1.97% Variable	Comparison Rate* 1.97%	Company Compare	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 3 position down today	Product Star Gold Home Loan special Limited Time Special - Applications must be received by the 31/01/21.~ Ends in 11 days	Advertised Rate 1.79% Variable	Comparison Rate* 1.84%	Company Compare	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 4 position down today	Product Momentum Home Loan	Advertised Rate 1.99% Variable	Comparison Rate* 2.01%	Company Compare	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 5 position down today	Product Dream Value Home Loan	Advertised Rate 1.89% Variable	Comparison Rate* 2.28%	Company Compare	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

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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 1 position down today	Product Standard Variable Home Loan	Advertised Rate 2.09% Variable	Comparison Rate* 2.09%	Company Compare	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 2 position down today	Product Freedom Variable	Advertised Rate 2.17% Variable	Comparison Rate* 2.17%	Company Compare	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 3 3 position down today	Product Live-in Variable (With Offset)	Advertised Rate 2.19% Variable	Comparison Rate* 2.34%	Company Compare	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
Ranking 4 4 position down today	Product Momentum Home Loan	Advertised Rate 2.29% Variable	Comparison Rate* 2.31%	Company Compare	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 5 1 position up today	Product Advantage - Essentials Home Loan	Advertised Rate 2.39% Variable	Comparison Rate* 2.61%	Company Compare	Repayment $1,168 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.64 / 5

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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	Product Freedom Variable	Advertised Rate 2.47% Variable	Comparison Rate* 2.47%	Company Compare	Repayment $1,181 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.71 / 5
Ranking 2 1 position down today	Product Investment Variable	Advertised Rate 2.33% Variable	Comparison Rate* 2.34%	Company Compare	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 3 1 position down today	Product Well Balanced	Advertised Rate 2.36% Variable	Comparison Rate* 2.39%	Company Compare	Repayment $1,164 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.51 / 5
Ranking 4 1 position down today	Product Investment Property Home Loan	Advertised Rate 2.44% Variable	Comparison Rate* 2.47%	Company Compare	Repayment $1,176 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.60 / 5
Ranking 5 1 position down today	Product Rate Slasher Variable Investment Loan	Advertised Rate 2.39% Variable	Comparison Rate* 2.44%	Company Compare	Repayment $1,168 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.46 / 5

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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	Product Investment Great Rate	Advertised Rate 2.59% Fixed - 5 years	Comparison Rate* 3.47%	Company Compare	Repayment $648 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.30 / 5
Ranking 2 6 position up today	Product Mortgage Plus Cashback Upto $4000 cashback for new and refinance applications through all Citi accredited brokers.~ Ends in about 1 month	Advertised Rate 2.79% Fixed - 5 years	Comparison Rate* 3.48%	Company Compare	Repayment $698 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.32 / 5
Ranking 3 4 position up today	Product Reward Me Fixed Rate Investment Loan Cashback $3000 cashback when you refinance.~ Ends in 2 days	Advertised Rate 2.69% Fixed - 5 years	Comparison Rate* 3.04%	Company Compare	Repayment $673 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.12 / 5
Ranking 4 2 position down today	Product Premium Plus Package Fixed Rate Cashback Get a $2000 refinance cashback when you refinance your loan. ~ Ends in about 1 month	Advertised Rate 2.69% Fixed - 5 years	Comparison Rate* 3.79%	Company Compare	Repayment $673 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.11 / 5
Ranking 5 2 position down today	Product Fixed Rate Investor Loan	Advertised Rate 2.70% Fixed - 5 years	Comparison Rate* 3.77%	Company Compare	Repayment $675 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.11 / 5

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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	Product Dream Value Home Loan	Advertised Rate 1.89% Variable	Comparison Rate* 2.28%	Company Compare	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 2 2 position down today	Product Home Package Plus	Advertised Rate 2.99% Variable	Comparison Rate* 2.87%	Company Compare	Repayment $748 monthly	Features Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.10 / 5
Ranking 3 1 position up today	Product Freedom Package	Advertised Rate 2.39% Variable	Comparison Rate* 2.41%	Company Compare	Repayment $1,168 monthly	Features Redraw facility Offset Account Borrow up to 75% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.42 / 5
Ranking 4 1 position down today	Product Ultimate special Borrow 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 2.95% Variable	Comparison Rate* 3.38%	Company Compare	Repayment $738 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 2.14 / 5
Ranking 5 5 position up today	Product The Works Package OO Variable Special (2 year Intro)	Advertised Rate 1.99% Intro 24 months	Comparison Rate* 2.93%	Company Compare	Repayment $1,185 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.29 / 5

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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 5 position up today	Product Basic Home Loan special Establishment fee waived on Basic Home Loans of $150k+	Advertised Rate 2.59% Variable	Comparison Rate* 2.61%	Company Compare	Repayment $1,199 monthly	Features Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.10 / 5
Ranking 2 1 position down today	Product Back to Basics Home Loan Special Offer	Advertised Rate 2.94% Variable	Comparison Rate* 2.70%	Company Compare	Repayment $735 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.97 / 5
Ranking 3 1 position up today	Product Mortgage Simplifier	Advertised Rate 2.49% Variable	Comparison Rate* 2.52%	Company Compare	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
Ranking 4 2 position down today	Product Home Value Loan	Advertised Rate 2.98% Variable	Comparison Rate* 2.99%	Company Compare	Repayment $745 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 1.80 / 5
Ranking 5 5 position up today	Product Extra Home Loan Cashback $2,000 cashback for refinancers~ Ends in 2 months	Advertised Rate 2.69% Variable	Comparison Rate* 2.70%	Company Compare	Repayment $1,215 monthly	Features Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	Real Time Rating™ 3.35 / 5

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Data last updated on 19 Jan 2021

Read our important disclosures and general advice warning

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	Product Variable Home Loan Cashback Get $2000 cashback on settlement for eligible applications of $250,000 or more~ Ends in 12 days	Advertised Rate 2.19% Variable	Comparison Rate* 2.20%	Company Compare	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