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 3-year fixed home loans
- Best 5-year fixed home loans
- Best 2 year interest only investor home loans
- Best 4 year interest only investor home loans
- Best investor variable home loans
- Best packaged home loans
- Best investor 3-year fixed principal and interest loans
- Best investor 3-year fixed interest only loans
- Best investor 5-year fixed principal and interest loans
- Best investor 5-year fixed interest only loans
- Best 4 year fixed home loans
- Best 2 year fixed home loans
- Best home loans from large banks
- Best small deposit home loans
- Best home loans over $1M
- Best SMSF home loan
- Best green home loan
- Best new lender 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%.
Standard Variable Home Loan
Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
5.89%
p.a
Variable
5.89%
p.a
$0
monthly
Expect More Home Loan Package
Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Variable
6.16%
p.a
$0
monthly
Flexible Loan
Cashback
Switch now and get up to $3,000 cashback. T&Cs apply.Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Variable
6.53%
p.a
$0
monthly
Offset 80 (OO & Inv Package)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Variable
6.12%
p.a
$0
monthly
GumLeaf Standard Variable Owner Occupied
Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Variable
6.16%
p.a
$0
monthly
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.
Flexible Loan
Cashback
Switch now and get up to $3,000 cashback. T&Cs apply.Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Variable
6.48%
p.a
$0
monthly
Standard Variable Home Loan
Winner of Best Home Loans Over 1m, Best Variable Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
5.89%
p.a
Variable
5.89%
p.a
$0
monthly
Expect More Home Loan Package
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Variable
6.16%
p.a
$0
monthly
Offset 80 (OO & Inv Package)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Variable
6.12%
p.a
$0
monthly
GumLeaf Standard Variable Owner Occupied
Ranking
Interest Rate
Comparison Rate*
Repayment
5.99%
p.a
Variable
6.06%
p.a
$0
monthly
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.
Accelerator package home loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Fixed - 3 years
6.44%
p.a
$0
monthly
myBlue Home Loan (Fixed Rate) (Principal and Interest)
Winner of Best 3 Year Fixed Pi Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Fixed - 3 years
6.14%
p.a
$0
monthly
Fixed Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Fixed - 3 years
6.11%
p.a
$0
monthly
Advantage - Fixed Home Loan (Special)
Winner of Best 3 Year Fixed Pi Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.54%
p.a
Fixed - 3 years
6.44%
p.a
$0
monthly
Your Way Plus Fixed Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.74%
p.a
Fixed - 3 years
6.79%
p.a
$0
monthly
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.
Home Advantage Package
Ranking
Interest Rate
Comparison Rate*
Repayment
5.99%
p.a
Fixed - 5 years
6.42%
p.a
$0
monthly
myBlue Home Loan (Fixed Rate) (Principal and Interest)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.34%
p.a
Fixed - 5 years
6.23%
p.a
$0
monthly
Advantage - Fixed Home Loan (Special)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.64%
p.a
Fixed - 5 years
6.51%
p.a
$0
monthly
Fixed Rate Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
5.84%
p.a
Fixed - 5 years
6.29%
p.a
$0
monthly
Fixed Rate Home Loan
Cashback
$3,000 cashback for loans $250,000 and above with a maximum LVR of 80%. T&Cs apply.Ranking
Interest Rate
Comparison Rate*
Repayment
6.24%
p.a
Fixed - 5 years
6.38%
p.a
$0
monthly
Best 2 year 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 two year term.
Accelerator package home loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.74%
p.a
Fixed - 2 years
6.70%
p.a
$0
monthly
Fixed Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.54%
p.a
Fixed - 2 years
6.18%
p.a
$0
monthly
Advantage - Fixed - Investment (Special)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.84%
p.a
Fixed - 2 years
7.04%
p.a
$0
monthly
myBlue Investment Loan (Fixed Rate) (Interest Only)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.49%
p.a
Fixed - 2 years
6.65%
p.a
$0
monthly
Your Way Plus Fixed Investment Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
7.44%
p.a
Fixed - 2 years
7.21%
p.a
$0
monthly
Best 4 year 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 four year term.
myBlue Investment Loan (Fixed Rate) (Interest Only)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.59%
p.a
Fixed - 4 years
6.65%
p.a
$0
monthly
Advantage - Fixed - Investment
Ranking
Interest Rate
Comparison Rate*
Repayment
7.09%
p.a
Fixed - 4 years
7.16%
p.a
$0
monthly
Freedom Package
Ranking
Interest Rate
Comparison Rate*
Repayment
6.79%
p.a
Fixed - 4 years
7.19%
p.a
$0
monthly
Complete Home Loan Investment Fixed
Ranking
Interest Rate
Comparison Rate*
Repayment
6.69%
p.a
Fixed - 4 years
6.68%
p.a
$0
monthly
Investment Great Rate
Ranking
Interest Rate
Comparison Rate*
Repayment
6.29%
p.a
Fixed - 4 years
7.37%
p.a
$0
monthly
Best investor variable home loans
RateCity's top-rated investment home loans with variable interest rates. Assumes a $400,000 mortgage and a maximum LVR of 80%.
Investment Variable Home Loan
Winner of Best Investor Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Variable
6.14%
p.a
$0
monthly
Maximum Discounted Rate Home Loan/Residential Investment Home Loan
Winner of Best Investor Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.44%
p.a
Variable
6.45%
p.a
$0
monthly
GumLeaf Standard Variable Investment
Ranking
Interest Rate
Comparison Rate*
Repayment
6.29%
p.a
Variable
6.36%
p.a
$0
monthly
Accelerator package home loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.24%
p.a
Variable
6.61%
p.a
$0
monthly
Flexible Loan
Cashback
Switch now and get up to $3,000 cashback. T&Cs apply.Winner of Best Investor Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.44%
p.a
Variable
6.82%
p.a
$0
monthly
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.
Flexible Loan
Cashback
Switch now and get up to $3,000 cashback. T&Cs apply.Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Variable
6.48%
p.a
$0
monthly
Advantage Plus
Ranking
Interest Rate
Comparison Rate*
Repayment
6.49%
p.a
Variable
7.53%
p.a
$0
monthly
Expect More Home Loan Package
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Variable
6.16%
p.a
$0
monthly
Clean Energy Home Loan Package
Winner of Best Green Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Variable
6.58%
p.a
$0
monthly
Accelerator package home loan
Winner of Best Small Deposit Home Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.04%
p.a
Variable
6.42%
p.a
$0
monthly
Best investor 3-year fixed principal and interest loans
RateCity's top-rated principal and interest investor home loans with a fixed interest rate for three years. Assumes a $400,000 mortgage.
Accelerator package home loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.44%
p.a
Fixed - 3 years
6.67%
p.a
$0
monthly
Fixed Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.14%
p.a
Fixed - 3 years
6.11%
p.a
$0
monthly
myBlue Investment Loan (Fixed Rate) (Principal and Interest)
Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.34%
p.a
Fixed - 3 years
6.34%
p.a
$0
monthly
Optimum Fixed Rate Investment Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
5.69%
p.a
Fixed - 3 years
6.34%
p.a
$0
monthly
Fixed Rate Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
5.58%
p.a
Fixed - 3 years
6.62%
p.a
$0
monthly
Best investor 3-year fixed interest only 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 three year term.
Accelerator package home loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.74%
p.a
Fixed - 3 years
6.74%
p.a
$0
monthly
Fixed Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.54%
p.a
Fixed - 3 years
6.22%
p.a
$0
monthly
Advantage - Fixed - Investment (Special)
Winner of Best Investor 3 Year Fixed Interest Only Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.89%
p.a
Fixed - 3 years
7.04%
p.a
$0
monthly
myBlue Investment Loan (Fixed Rate) (Interest Only)
Winner of Best Investor 3 Year Fixed Interest Only Loan, RateCity Gold Awards 2023
Ranking
Interest Rate
Comparison Rate*
Repayment
6.49%
p.a
Fixed - 3 years
6.63%
p.a
$0
monthly
Fixed Rate Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
5.78%
p.a
Fixed - 3 years
6.81%
p.a
$0
monthly
Best investor 5-year fixed principal and interest loans
RateCity's top-rated principal and interest investor home loans with a fixed interest rate for five years. Assumes a $400,000 mortgage.
Advantage - Fixed - Investment
Ranking
Interest Rate
Comparison Rate*
Repayment
6.64%
p.a
Fixed - 5 years
6.51%
p.a
$0
monthly
Fixed Rate Residential Investment Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Fixed - 5 years
6.51%
p.a
$0
monthly
Fixed Rate Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
5.73%
p.a
Fixed - 5 years
6.48%
p.a
$0
monthly
Home Advantage Package
Ranking
Interest Rate
Comparison Rate*
Repayment
6.19%
p.a
Fixed - 5 years
6.65%
p.a
$0
monthly
myBlue Investment Loan (Fixed Rate) (Principal and Interest)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.54%
p.a
Fixed - 5 years
6.43%
p.a
$0
monthly
Best investor 5-year fixed interest only 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.
Fixed Rate Residential Investment Loan (Interest Only)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.44%
p.a
Fixed - 5 years
6.90%
p.a
$0
monthly
Fixed Rate Home Loan
Ranking
Interest Rate
Comparison Rate*
Repayment
5.93%
p.a
Fixed - 5 years
6.71%
p.a
$0
monthly
Home Advantage Package
Ranking
Interest Rate
Comparison Rate*
Repayment
6.39%
p.a
Fixed - 5 years
6.88%
p.a
$0
monthly
Advantage - Fixed - Investment (Special)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.99%
p.a
Fixed - 5 years
7.06%
p.a
$0
monthly
myBlue Investment Loan (Fixed Rate) (Interest Only)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.79%
p.a
Fixed - 5 years
6.73%
p.a
$0
monthly
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.
myBlue Home Loan (Fixed Rate) (Principal and Interest)
Ranking
Interest Rate
Comparison Rate*
Repayment
6.24%
p.a
Fixed - 4 years
6.18%
p.a
$0
monthly
Complete Home Loan Fixed
Ranking
Interest Rate
Comparison Rate*
Repayment
6.29%
p.a
Fixed - 4 years
6.32%
p.a
$0
monthly
Fixed Rate Home Loan
Cashback
$3,000 cashback for loans $250,000 and above with a maximum LVR of 80%. T&Cs apply.Ranking
Interest Rate
Comparison Rate*
Repayment
6.09%
p.a
Fixed - 4 years
6.33%
p.a
$0
monthly