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	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 1 position up today	Cash Back Hero Variable Cashback Get between $1,000 to $10,000 as cashback on loans above $250,000. Available for new loans and refinancing.	2.59% Variable	2.64%	Compare	$1,199	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	4.45 / 5
2 2 position up today	Construction Loan	2.59% Variable	2.61%	Compare	$648	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.96 / 5
3 1 position up today	First Home Loan Cashback Enjoy up to $2k Cashback on new home loans and refinances. ~ Ends in 9 days	2.79% Variable	2.84%	Compare	$698	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.85 / 5
4 2 position down today	Well Balanced special Limited time special - Applications must be submitted and approved prior to November 30, 2020 for discounted rate.~ Ends in about 1 month	2.17% Variable	2.20%	Compare	$1,135	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	4.13 / 5
5 12 position up today	Live-in Variable (With Offset)	2.19% Variable	2.34%	Compare	$1,138	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	4.11 / 5

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Data last updated on 20 Oct 2020

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 15 position up today	Standard Variable Home Loan	1.95% Variable	1.99%	Compare	$1,101	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	4.50 / 5
2 1 position down today	Freedom Variable	2.79% Variable	2.58%	Compare	$698	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.02 / 5
3 1 position up today	First Home Loan Cashback Enjoy up to $2k Cashback on new home loans and refinances. ~ Ends in 9 days	2.79% Variable	2.84%	Compare	$698	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.85 / 5
4 3 position up today	Resimac Prime	2.79% Variable	2.86%	Compare	$698	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.63 / 5
5 1 position down today	First Home Loan	2.79% Variable	2.84%	Compare	$698	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.42 / 5

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Data last updated on 20 Oct 2020

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 1 position up today	Standard Variable Home Loan	2.59% Variable	3.53%	Compare	$648	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	2.71 / 5
2 1 position down today	Smart Booster Investor Bundle Discount Variable - 1 Year (Interest Only)	1.99% Intro 12 months	2.71%	Compare	$685	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.75 / 5
3 1 position down today	Investment Property Home Loan	2.79% Variable	2.82%	Compare	$698	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.56 / 5
4 2 position up today	Real Deal Home Loan special Includes a discounted rate off the Real Deal Home Loan investment rate	2.99% Variable	3.02%	Compare	$748	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.11 / 5
5 1 position up today	Basic variable home loan	2.89% Variable	3.61%	Compare	$723	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.09 / 5

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Data last updated on 20 Oct 2020

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 12 position up today	Mortgage Plus	2.89% Fixed - 5 years	3.51%	Compare	$723	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.53 / 5
2 1 position down today	Fixed Rate Cashback $2,000 cashback for First Home Buyers with Lender's Mortgage Insurance.~ Ends in 4 months	3.19% Fixed - 5 years	4.45%	Compare	$798	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	1.89 / 5
3 1 position down today	Home Package Plus Cashback Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan.~ Ends in about 2 months	3.04% Fixed - 5 years	3.47%	Compare	$760	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.79 / 5
4 1 position down today	Premier	2.89% Fixed - 5 years	3.44%	Compare	$723	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.61 / 5
5 1 position down today	5 Year Fixed (Investor Interest Only)	2.89% Fixed - 5 years	2.89%	Compare	$723	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.59 / 5

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Data last updated on 20 Oct 2020

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 2 position up today	Low Rate Line of Credit Home Loan	2.74% Variable	2.76%	Compare	$685	Redraw facility Offset Account Borrow up to 69.9999% Extra Repayments Interest Only Owner Occupied	2.70 / 5
2 1 position up today	Home Package Plus Cashback Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan.~ Ends in about 2 months	3.04% Variable	3.02%	Compare	$760	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	2.69 / 5
3 1 position up today	Offset Home Loan	2.99% Variable	3.26%	Compare	$748	Redraw facility Offset Account Borrow up to 70% Extra Repayments Interest Only Owner Occupied	2.08 / 5
4 1 position up today	Investment 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	3.04% Variable	3.47%	Compare	$760	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	2.15 / 5
5 2 position down today	The Works Package OO Variable Special (2 year Intro)	1.99% Intro 24 months	2.93%	Compare	$1,185	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.65 / 5

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Data last updated on 20 Oct 2020

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 1 position up today	Home Package Plus Cashback Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan.~ Ends in about 2 months	3.04% Variable	3.02%	Compare	$760	Redraw facility Offset Account Borrow up to 90% Extra Repayments Interest Only Owner Occupied	2.69 / 5
2 1 position up today	Home Value Loan	2.98% Variable	2.99%	Compare	$745	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	1.89 / 5
3 1 position down today	Basic Home Loan special Establishment fee waived on Basic Home Loans of $150k+	2.69% Variable	2.71%	Compare	$1,215	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.99 / 5
4 1 position up today	Extra Home Loan Cashback $2,000 cashback for refinancers who apply before 31 October 2020 and have their loan funded by 31 December 2020. Minimum refinance amount $250,000. Eligibility criteria applies. This offer is not available for Bridging Loans. ~ Ends in 11 days	2.69% Variable	2.70%	Compare	$1,215	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.67 / 5
5 2 position down today	Mortgage Simplifier	2.49% Variable	2.52%	Compare	$1,184	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.42 / 5

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Data last updated on 20 Oct 2020

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 1 position up today	First Home Loan	2.79% Variable	2.84%	Compare	$698	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	2.42 / 5
2 1 position up today	Variable Home Loan Cashback Get $2000 cashback on settlement for eligible applications of $250,000 or more, received by 30 September 2020 and settled by 30 November 2020. T&Cs apply.~ Ends in about 1 month	2.99% Variable	2.93%	Compare	$748	Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	2.16 / 5
3 1 position down today	Owner Occupier Accelerates - Celebrate (Principal and Interest)	2.34% Variable	2.34%	Compare	$1,161	Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	3.68 / 5
4 1 position down today	Variable Home Loan	2.54% Variable	2.74%	Compare	$1,192	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.46 / 5
5 1 position up today	Solutions Plus Home Loan	3.17% Variable	3.11%	Compare	$793	Redraw facility Offset Account Borrow up to 60% Extra Repayments Interest Only Owner Occupied	1.99 / 5

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Data last updated on 20 Oct 2020

Read our important disclosures and general advice warning

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 2 position up today	Basic Variable Home Loan special Discounted Interest Rate of 0.50% p.a. lower than the Standard Variable Home Loan	2.87% Variable	2.93%	Compare	$718	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	2.39 / 5
2 2 position up today	Bare Essentials First Home Owners Cashback $2000 cashback for first home owners~ Ends in about 1 month	2.45% Variable	2.50%	Compare	$1,178	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	3.49 / 5
3 1 position up today	HomeBuilder Loan	2.99% Variable	3.02%	Compare	$748	Redraw facility Offset Account Borrow up to 97% Extra Repayments Interest Only Owner Occupied	1.59 / 5
4 2 position up today	Sustainable Home Loan	3.20% Variable	2.98%	Compare	$800	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	1.76 / 5
5 3 position up today	Freedom Variable	3.29% Variable	3.08%	Compare	$823	Redraw facility Offset Account Borrow up to 95% Extra Repayments Interest Only Owner Occupied	1.90 / 5

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Data last updated on 20 Oct 2020

Read our important disclosures and general advice warning

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 2 position up today	Well Balanced	2.27% Fixed - 3 years	2.23%	Compare	$1,150	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.90 / 5
2 2 position up today	Premier Package Home Loan Cashback Refinance and receive up to $2000~ Ends in 28 days	1.99% Fixed - 3 years	3.10%	Compare	$1,107	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.97 / 5
3 11 position up today	First Home Buyer Package Cashback $2000 cash back	2.15% Fixed - 3 years	2.84%	Compare	$1,131	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	4.04 / 5
4 3 position up today	Mortgage Plus	2.09% Fixed - 3 years	2.94%	Compare	$1,122	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	4.11 / 5
5 1 position down today	Star Classic Owner Occupied Fixed Special special Loan applications must be received by 31st December 2020 and settled by 31st March 2021. Loan size up to $850k.~ Ends in 2 months	2.06% Fixed - 3 years	2.38%	Compare	$1,118	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.66 / 5

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Data last updated on 20 Oct 2020

Read our important disclosures and general advice warning

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	Product	Advertised Rate	Comparison Rate*	Company	Monthly Repayment	Features	Real Time Rating™
1 1 position up today	First Home Buyer Package Cashback $2000 cash back	2.49% Fixed - 5 years	2.84%	Compare	$1,184	Redraw facility Offset Account Borrow up to 94.9999% Extra Repayments Interest Only Owner Occupied	4.07 / 5
2 4 position up today	Mortgage Plus	2.39% Fixed - 5 years	2.97%	Compare	$1,168	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.96 / 5
3 1 position down today	Advantage Package Cashback Up to $4,000 Refinance Cashback ~ Ends in 3 months	2.69% Fixed - 5 years	3.39%	Compare	$1,215	Redraw facility Offset Account Borrow up to 59.9999% Extra Repayments Interest Only Owner Occupied	3.70 / 5
4 1 position down today	Fixed Rate Home Loan Cashback $3,000 cashback when you refinance your home loan to BOQ ~ Ends in about 1 month	2.54% Fixed - 5 years	3.34%	Compare	$1,192	Redraw facility Offset Account Borrow up to 80% Extra Repayments Interest Only Owner Occupied	3.34 / 5
5 1 position down today	Goldrate Home Loan Cashback Enjoy up to $2k Cashback on new home loans and refinances. ~ Ends in 9 days	2.59% Fixed - 5 years	2.79%	Compare	$1,199	Redraw facility Offset Account Borrow up to 79.9999% Extra Repayments Interest Only Owner Occupied