Home loan rates in Australia

Bank data as of 13 November 2026, 01:19 UTC · generated 13 November 2026, 01:26 UTC from 91 banks with home loan rates, out of 115 brands in the CDR register. Refreshed daily.

91 banks publish home loan rates. We read each bank's own published product data every day and rank every one of them for the loan you choose below: owner-occupied or investment, principal and interest or interest only, the loan-to-value ratio, the amount, and a variable rate or one fixed for 1 to 5 years. Each bank appears once, at its lowest published rate that covers that loan. The comparison rate is the bank's own figure. Australian law requires it to be calculated on a $150,000 secured loan over 25 years, including most fees, so it understates the effect of fees on a larger loan. Offset and redraw are features of the product, as the bank publishes them, and may not apply while a rate is fixed.

A few terms that data leaves out, such as a fee, a new-customer offer, a membership limit or a revert rate, are read from the bank's own documents instead: 2073 terms from 83 banks' own terms and pages, each quoted and re-read daily.

Rates are per annum as published by the bank; your own rate depends on the bank's assessment of you and the property. A rate published for a band of LVRs or loan amounts counts for every reference LVR and amount in the band. One entry per bank per bucket: its lowest ranked rate whose purpose, repayment type and rate type match and whose LVR and loan amount bands cover the reference values. Rates for restricted products (construction, bridging, first home buyer, staff, profession, low-doc and similar), introductory rates and interest paid in advance are not ranked. A rate whose LVR the bank does not state is ranked at 80% LVR and below only. A product record the bank has not updated for more than 60 days before the fetch, or since before the Reserve Bank's latest cash rate change, is ranked with record_stale true and a condition saying so (unless its rate was confirmed on the bank's own website within that window and since that change), as it may predate a rate change; a record we have checked against the bank's website and found out of date is not ranked, one whose LVR band or comparison rate was wrong is corrected, and record_correction says what the website showed. Broker-only rates are left out of these rankings, and so are rates from banks or products that lend only to a named occupation or employer group (restricted membership: teachers, police, health workers and the like, as the bank's own feed states; each such rate carries eligibility with who can borrow and the bank's words). Each slice file also carries three more rankings of the same bucket: entries_with_broker (broker-only rates in, restricted membership still out), entries_with_restricted (restricted membership in, broker-only still out) and entries_all (both in). best.json holds the default ranking only, each entry as {rank, row, comparison_rate_at_loan_pct} with row an index into its rows list, which holds the rest of the entry once. Package rates are ranked; their package fee is in annual_fee (ongoing fees per year, periodic fees converted to a yearly amount) and the comparison rate. upfront_fees and exit_fees are the fixed fees listed for setting up and closing the loan. Ranking is by rate, then the bank's comparison rate. comparison_rate_at_loan_pct is our own comparison rate at the bucket's loan amount over 25 years, from rate, upfront_fees, annual_fee, exit_fees and, for a fixed rate, revert_rate after fixed_months (revert_rate_basis: linked where the feed ties it to the product, inferred where it is our inference, the bank's variable rate that reproduces the bank's own comparison rate); it is published only where comparison_check.ok (ours at $150,000 within 0.05 points of the bank's comparison_rate_pct) and does not change the ranking. Click a bank for every rate it publishes. The "source" link opens our snapshot of the bank's product record.

About this data

Under the Consumer Data Right every Australian data holder must publish its product reference data openly, without authentication and in the same fields, which is why the banks here can be compared like for like. We read the register of data holders, fetch each brand's residential mortgage products and lending rates, sort each rate by loan purpose, repayment type, fixed term and LVR band, and keep the bank's wording of any conditions. On top of that product data, we read terms it leaves out from the banks' own documents: 2073 terms from 83 banks' own terms and pages, each quoted and re-read daily. Where a bank's own page contradicts its product record, we follow the page until the bank republishes the record, and the row's conditions say so. The same records are published as JSON, each with its source URL and the bank's last-updated time:

• best.json: the banks ranked for each purpose, repayment type, LVR, loan amount and rate type.
• /v1/compare/home-loans?loan=…&price=…: the banks ranked live at an exact loan and LVR, with our comparison rate at that loan, the monthly repayment, who may borrow and why each other bank is left out.
• /au/finance/home-loans/v1/best/<purpose>/<repayment>/<lvr>/<loan>/<kind>.json: one of those rankings on its own, such as best/owner_occupied/principal_and_interest/60/600000/variable.json for the table above.
• rates.json: every normalised rate row, with LVR bands, loan ranges, fees and features.
• index.json: the dataset index, listing the per-bank files (brands/<brand_slug>.json) and the verbatim snapshots of the bank product records behind every row.

All 91 banks with home loans, one row each with its lowest variable and fixed rates and the variable rate's fees.

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice, a bank may price your loan differently from its published rates, and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.