Home loan rates at each bank
Every bank with published home loan products, one row each, by name: its lowest owner-occupied, principal and interest variable rate and its lowest rate fixed for 1, 2, 3 and 5 years, at whichever of our reference LVRs (60% to 95%) and loan amounts it is lowest, usually 60% LVR or less. A higher LVR usually costs more; the ranking picks the rate for your LVR and loan amount. Broker-only rates are left out. 12 banks lending only to a named occupation or employer group are listed and marked with who can borrow; the ranking leaves them out unless you include them. Click a column heading to sort by it.
| Bank | Variable | Fixed 1 year | Fixed 2 years | Fixed 3 years | Fixed 5 years | Comparison at $600,000 | Upfront fees | Ongoing fees p.a. | Exit fees | Page |
|---|---|---|---|---|---|---|---|---|---|---|
| AFG Home Loans Alpha | 6.59% | 6.59% | 6.59% | 6.69% | 6.79% | 6.59% | — | $0 | $350 | rates |
| AMP Bank | 6.58% | 6.64% | 6.64% | 6.69% | 6.79% | 6.58% | $0 | $0 | $490 | rates |
| ANZ | 6.89% | 6.69% | 6.74% | 6.89% | 6.94% | 6.89% | $0 | $0 | — | rates |
| ANZ Plus | 6.75% | — | — | — | — | 6.75% | — | — | $350 | rates |
| Arab Bank Australia | 6.40% | 6.65% | 6.80% | 7.65% | 8.10% | 6.43% | $600 | $96 | $250 | rates |
| Aussie Elevate | 6.59% | 6.59% | 6.59% | 6.69% | 6.79% | 6.59% | — | $0 | $350 | rates |
| Australian Military Bank | 6.34% | 6.39% | 6.44% | 6.44% | 6.49% | 6.35% | $450 | — | $120 | rates |
| Australian Mutual BankRestricted membership: Australian education sector employees (current or retired) and their families | 6.44% | 6.39% | 6.74% | 6.84% | 7.04% | 6.45% | $600 | — | $250 | rates |
| Auswide Bank | 6.54% | 6.64% | 6.64% | 6.69% | 7.04% | 6.55% | $400 | — | $400 | rates |
| Bank Australia | 6.38% | 6.74% | 6.79% | 6.89% | 6.99% | 6.38% | $0 | $0 | $275 | rates |
| Bank First | 6.24% | 6.89% | 6.89% | 6.84% | 6.79% | 6.25% | $595 | — | $395 | rates |
| Bank of China | 6.18% | 6.89% | 6.89% | 7.09% | 7.09% | — | — | — | — | rates |
| Bank of Melbourne | 6.79% | 6.74% | 6.74% | 6.94% | 7.14% | 6.79% | $100 | $0 | $350 | rates |
| Bank of Sydney | 6.24% | — | — | — | — | 6.25% | $200 | — | $400 | rates |
| Bank of us | 6.24% | — | — | — | — | 6.25% | $675 | — | $395 | rates |
| BankSA | 6.79% | 6.74% | 6.74% | 6.94% | 7.14% | 6.79% | $100 | $0 | $350 | rates |
| BankVicRestricted membership: police, emergency services, health and government workers and their families | 6.24% | 6.39% | 6.09% | 6.39% | 6.79% | 6.25% | $600 | — | $295 | rates |
| BankWAW | 6.24% | 6.45% | 6.35% | 6.30% | 6.80% | 6.25% | $600 | — | $250 | rates |
| Bankwest | 6.69% | 6.69% | 6.79% | 6.89% | 6.99% | 6.70% | $695 | — | $338.20 | rates |
| BCU Bank | 6.49% | 6.79% | 6.79% | 6.94% | 7.04% | 6.49% | $0 | — | $395 | rates |
| Bendigo Bank | 6.39% | 6.49% | 6.49% | 6.59% | 6.69% | 6.42% | $300 | $120 | $350 | rates |
| Beyond Bank Australia | 6.34% | 6.89% | 6.59% | 6.69% | 6.84% | 6.35% | $445 | — | $350 | rates |
| BNK Bank | 6.55% | — | — | — | — | — | $295 | $299 | $700 | rates |
| BOQ | 6.53% | 6.89% | 6.79% | 6.84% | 6.99% | 6.54% | $450 | — | — | rates |
| BOQ SpecialistRestricted membership: medical, dental, veterinary and accounting professionals | 8.52% | — | — | — | — | — | — | $120 | — | rates |
| Border BankRestricted membership: serving or retired Border Officers in an associated union | 6.44% | 6.39% | 6.39% | 6.44% | 6.64% | 6.47% | $600 | $84 | $294 | rates |
| Broken Hill Bank | 5.94% | — | — | — | — | 5.96% | $1,005 | — | $774.02 | rates |
| Cairns Bank | 6.49% | 6.44% | 6.49% | 6.59% | — | — | $300 | $144 | $350 | rates |
| Central Murray Bank | 6.49% | 6.74% | 6.99% | 7.24% | — | — | — | — | — | rates |
| Central West Credit Union | 6.34% | 6.59% | 6.59% | — | — | 6.35% | $497 | — | $536 | rates |
| Coastline Bank | 6.39% | 6.45% | 6.54% | 6.59% | — | 6.42% | $595 | $96 | $630 | rates |
| CommBank | 6.59% | 6.78% | 6.82% | 6.89% | 6.94% | 6.60% | $300 | — | $350 | rates |
| Community First Bank | 6.40% | 6.64% | 6.59% | 6.29% | — | 6.41% | $600 | — | $696 | rates |
| Connective Select | 6.59% | 6.59% | 6.59% | 6.69% | 6.79% | 6.59% | — | $0 | $350 | rates |
| Credit Union SA | 6.54% | 6.79% | 6.39% | 6.24% | — | 6.63% | $0 | $395 | $350 | rates |
| Darling Downs Bank | 6.89% | 6.74% | 6.79% | — | — | — | $1,067 | — | $542 | rates |
| Defence Bank | 6.49% | 6.74% | 6.76% | 6.87% | 6.89% | 6.49% | — | — | $0 | rates |
| Dnister | 6.60% | 6.41% | 6.42% | 6.51% | 6.59% | — | $500 | $395 | $200 | rates |
| Easy Street | 6.29% | 6.54% | 6.54% | 6.44% | — | 6.30% | $500 | — | — | rates |
| Fire Service Credit UnionRestricted membership: Emergency Services employees and their families | 6.34% | — | — | — | — | 6.35% | $521.28 | — | $589.75 | rates |
| Firefighters Mutual BankRestricted membership: fire and emergency service employees (current or retired), volunteers and their families | 6.44% | 6.39% | 6.74% | 6.84% | 7.04% | 6.45% | $600 | — | $250 | rates |
| First Option Bank | 6.14% | — | — | — | — | 6.23% | — | $375 | $175 | rates |
| Gateway Bank | 6.14% | 6.54% | 6.59% | 6.69% | 7.09% | 6.14% | $0 | — | $300 | rates |
| GMCUNo owner-occupied principal and interest rate ranked | — | — | — | — | — | — | — | — | — | rates |
| Great Southern Bank | 8.50% | 6.75% | 6.75% | 6.75% | 6.80% | — | $600 | $0 | $500 | rates |
| Greater Bank | 6.34% | 6.49% | 6.49% | 6.49% | 6.59% | 6.35% | $680 | — | $300 | rates |
| Health Professionals BankRestricted membership: Australian health sector employees (current or retired) and their families | 6.44% | 6.39% | 6.74% | 6.84% | 7.04% | 6.45% | $600 | — | $250 | rates |
| Horizon Bank | 6.14% | 6.14% | 6.24% | 6.34% | 6.64% | — | $350 | $150 | — | rates |
| Hume Bank | 6.24% | 6.39% | 6.39% | 6.49% | 6.69% | 6.24% | — | — | $350 | rates |
| IMB Bank | 6.44% | 6.49% | 6.49% | 6.49% | 6.69% | 6.45% | $449 | — | $350 | rates |
| ING | 6.54% | 6.64% | 6.59% | 6.74% | 6.84% | 6.55% | $350 | $0 | — | rates |
| Judo Bank | 9.15% | 9.51% | 9.36% | 9.21% | 9.38% | 9.17% | $900 | — | — | rates |
| Laboratories Credit Union | 6.85% | 6.80% | 6.90% | — | — | 6.85% | $200 | — | $200 | rates |
| Liberty Financial | 6.99% | — | — | — | — | — | $0 | $0 | $395 | rates |
| Macquarie Bank | 6.29% | 6.49% | 6.59% | 6.59% | 6.64% | 6.30% | $350 | $0 | $400 | rates |
| ME Bank | 6.49% | 6.89% | 6.79% | 6.84% | 6.99% | 6.49% | $150 | — | $350 | rates |
| MoveBank | 6.09% | 6.49% | 6.49% | 6.44% | 6.64% | 6.10% | $700 | — | $450 | rates |
| MyState Bank | 6.54% | 6.64% | 6.64% | 6.69% | 7.04% | 6.55% | $650 | — | $380 | rates |
| NAB | 6.29% | 6.79% | 6.81% | 6.92% | 6.94% | 6.32% | $0 | $144 | $350 | rates |
| Newcastle Permanent | 6.44% | 6.49% | 6.49% | 6.49% | 6.59% | 6.45% | $595 | — | $250 | rates |
| Northern Inland Credit Union | 5.94% | 5.99% | 6.39% | 6.59% | — | 5.94% | — | — | $300 | rates |
| NRMA Home Loans | 6.44% | 6.59% | 6.59% | 6.69% | 6.79% | 6.45% | $495.40 | $0 | $350 | rates |
| Orange Credit Union | — | 6.44% | 6.34% | 6.64% | — | — | — | — | — | rates |
| P&N Bank | 6.63% | 6.79% | 6.89% | 6.94% | 7.04% | 6.63% | $0 | — | $395 | rates |
| People First Bank / Heritage Bank | 8.43% | 6.89% | 6.94% | 6.94% | 6.94% | 8.43% | — | — | $350 | rates |
| Police BankRestricted membership: serving or retired police officers in a Police Federation of Australia union | 6.44% | 6.39% | 6.39% | 6.44% | 6.64% | 6.47% | $600 | $84 | $294 | rates |
| Police Credit UnionNo owner-occupied principal and interest rate ranked | — | — | — | — | — | — | — | — | — | rates |
| Qantas Money Basic/Offset Home Loans | 6.58% | 6.54% | 6.54% | 6.64% | 6.74% | 6.60% | $840.40 | $0 | $350 | rates |
| QBankRestricted membership: Queensland police, health, ambulance, fire, corrective services and government workers, and their relatives | 6.24% | 6.54% | 6.49% | 6.49% | 6.64% | 6.26% | $895 | — | — | rates |
| Qudos BankNo owner-occupied principal and interest rate ranked | — | — | — | — | — | — | — | — | — | rates |
| Queensland Country Bank | 6.24% | 6.49% | 6.29% | 6.49% | — | — | — | $395 | — | rates |
| RACQ Bank | 6.39% | 6.69% | 6.74% | 6.74% | 6.94% | 6.39% | — | — | $300 | rates |
| Regional Australia Bank | 6.14% | 6.35% | 6.38% | 6.37% | 6.77% | 6.15% | $225 | $0 | $395 | rates |
| Southern Cross Credit Union | 6.18% | 6.39% | 6.49% | 6.59% | 6.79% | 6.28% | $430 | $395 | $150 | rates |
| St.George Bank | 6.79% | 6.74% | 6.74% | 6.94% | 7.14% | 6.79% | $100 | $0 | $350 | rates |
| Summerland Bank | 6.14% | 6.35% | 6.38% | 6.37% | 6.77% | — | $700 | $96 | $395 | rates |
| SWS Bank | 6.35% | 6.70% | 6.94% | 6.84% | — | 6.35% | — | — | — | rates |
| Teachers Mutual BankRestricted membership: Australian education sector employees (current or retired) and their families | 6.44% | 6.39% | 6.74% | 6.84% | 7.04% | 6.45% | $600 | — | $250 | rates |
| The Capricornian | 6.24% | 6.34% | 6.34% | 6.54% | — | 6.25% | $600 | — | $300 | rates |
| The Mac | 6.99% | 6.59% | 6.59% | 6.49% | — | 7.00% | $400 | — | $200 | rates |
| The Mutual Bank | 6.04% | 6.34% | 6.34% | 6.44% | — | 6.04% | $150 | — | $200 | rates |
| Tiimely Home | 6.45% | 6.49% | 6.49% | 6.59% | 6.69% | 6.45% | $0 | $0 | $350 | rates |
| Transport Mutual Credit Union | 6.14% | 6.24% | 6.54% | — | — | — | $395 | — | — | rates |
| UBank | 6.59% | 6.74% | 6.79% | 6.84% | 6.99% | 6.59% | — | — | $300 | rates |
| UniBankRestricted membership: Australian university staff (current or retired), graduates, students and their families | 6.44% | 6.39% | 6.74% | 6.84% | 7.04% | 6.45% | $600 | — | $250 | rates |
| Unity Bank | 6.24% | 6.50% | 6.35% | 6.35% | 6.55% | 6.24% | — | — | $300 | rates |
| Unloan | 6.14% | — | — | — | — | — | — | — | — | rates |
| Up | 6.45% | 6.45% | 6.45% | 6.55% | 6.65% | 6.45% | — | — | — | rates |
| Virgin Money | 6.34% | 6.89% | 6.79% | 6.84% | 6.99% | 6.34% | $150 | — | $350 | rates |
| Westpac | 6.49% | 6.74% | 6.74% | 6.94% | 7.14% | 6.49% | $100 | $0 | $350 | rates |
| Woolworths Team BankRestricted membership: Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form) | 7.29% | — | — | — | — | 7.30% | $299 | — | $550 | rates |
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a $150,000 secured loan over 25 years.
Rates are per annum as published by the bank. Comparison at $600,000 is our calculation for the variable rate from the bank's published fees over 25 years, not the bank's own comparison rate (which assumes $150,000); blank where our check against the bank's figure failed. The fees are the variable rate's product's: The total of the fees the bank lists as charged when the loan is set up (establishment, application, valuation, settlement, legal and the like). A blank means none was listed, not that there are none: check the bank's fee list. Each bank's figures are the at_a_glance block at the top of its file, /au/finance/home-loans/v1/brands/<brand_slug>.json, and its page lists every rate it publishes. The rates are from each bank's own published product data; about this data says what is read from the banks' own pages on top.
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.