Home Loans Leaderboards
Looking for the best-rated home loan offers on the market? Compare home loan ratings and see how we’ve ranked current Australian mortgages.
Home Loans leaderboards
- Best variable rate home loans
- Best home loans over $1 million
- Best variable rate home loans for investors
- Best interest-only investor home loan
- 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 rate principal and interest home loan
- Best 5-year fixed rate principal and interest home loan
- Best 3-year principal and interest investor home loans
- Best 5-year principal and interest investor home loans
- Best SMSF home loans
Best variable rate 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 | Product | Advertised Rate | Company | Comparison Rate* | Monthly Repayment | Features | Real Time Rating™ |
|---|---|---|---|---|---|---|---|
1 1 position up today | 2.49% Variable |  Freedom Variable | 2.49% | $987 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
2 1 position up today | 2.49% Variable |  Standard Variable Home Loan | 2.49% | $987 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
3 1 position down today | 2.44% Variable |  Owner Occupied Home Loan | 2.47% | $980 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
4 1 position up today | 2.47% Variable |  Well Balanced | 2.50% | $984 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
5 1 position up today | 2.79% Variable |  First Home Loan | 2.84% | $581 | Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied |
Best 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 | Product | Advertised Rate | Company | Comparison Rate* | Monthly Repayment | Features | Real Time Rating™ |
|---|---|---|---|---|---|---|---|
1 2 position up today | 2.79% Variable | Freedom Variable | 2.58% | $581 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
2 1 position up today | 2.49% Variable | Standard Variable Home Loan | 2.49% | $987 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
3 1 position down today | 2.47% Variable | Well Balanced | 2.50% | $984 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
4 2 position down today | 2.79% Variable | First Home Loan | 2.84% | $581 | Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied | ||
5 2 position up today | 2.90% Variable |  Low Rate Home Loan | 2.76% | $604 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
Best variable rate home loans for investors
RateCity's top-rated investment home loans with variable interest rates. Assumes a $400,000 mortgage and a maximum LVR of 80%.
Ranking | Product | Advertised Rate | Company | Comparison Rate* | Monthly Repayment | Features | Real Time Rating™ |
|---|---|---|---|---|---|---|---|
1 1 position up today | 3.09% Variable | Freedom Variable | 2.93% | $644 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
2 1 position down today | 2.79% Variable | Investment Variable Home Loan | 2.79% | $1,026 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
3 2 position up today | 3.00% Variable |  Investment Variable | 2.92% | $625 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
4 1 position down today | 3.09% Variable | Investment Property Home Loan | 3.12% | $644 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
5 2 position up today | 3.15% Variable | Low Rate Home Loan | 3.01% | $656 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied |
Best interest-only investor home loan
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 | Product | Advertised Rate | Company | Comparison Rate* | Monthly Repayment | Features | Real Time Rating™ |
|---|---|---|---|---|---|---|---|
1 1 position up today | 3.09% Fixed - 5 years |  Fixed Rate Investor Home Loan | 3.91% | $644 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
2 1 position down today | 3.09% Fixed - 5 years |  Fixed Rate Investor Home Loan | 3.91% | $644 | Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied | ||
3 2 position down today | 2.99% Fixed - 5 years |  Fixed Rate Investment Loans | 4.27% | $623 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
4 2 position down today | 3.19% Fixed - 5 years |  Fixed Rate | 4.42% | $665 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
5 2 position down today | 3.29% Fixed - 5 years |  Mortgage Plus | 3.70% | $685 | 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 | Product | Advertised Rate | Company | Comparison Rate* | Monthly Repayment | Features | Real Time Rating™ |
|---|---|---|---|---|---|---|---|
1 2 position up today | 2.83% Variable | Low Rate Line of Credit Home Loan | 2.85% | $590 | Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied | ||
2 1 position up today | 3.04% Variable |  Home Package Plus | 3.05% | $633 | Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied | ||
3 1 position down today | 2.64% Variable |  First Home Premium Package | 2.66% | $1,006 | Redraw facility Offset Account Borrow up to 95% |