{
  "purpose": "investment",
  "repayment": "principal_and_interest",
  "lvr": 70,
  "loan": 300000,
  "kind": "fixed_2",
  "generated_at": "2026-11-13T01:26:27Z",
  "data_as_of": "2026-11-13T01:19:09Z",
  "note": "The 10 lowest home loan rates for this purpose, repayment type, LVR, loan amount and rate type, one per bank, cut to the fields needed to quote them, from each bank's own published product data. Quote the comparison rate and conditions with the rate; record_stale means the bank has not updated the record recently and its rate has not been confirmed on the bank's website since, so it may have changed. generated_at is when this file's contents last changed.",
  "comparison_rate_note": "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.",
  "comparison_rate_at_loan_note": "comparison_rate_at_loan_pct is our calculation, not the bank's: the National Credit Code method (monthly principal and interest repayments over 25 years at the rate; upfront_fees paid at the start, annual_fee spread monthly, exit_fees paid at the end; the monthly rate solving present value of payments = amount borrowed, times 12, to two decimals) at this file's loan amount. A fixed rate holds for its fixed period and then revert_rate applies: the product's own variable rate where the feed ties one to it (revert_rate_basis linked), else our inference (revert_rate_basis inferred), the bank's variable rate chosen because it reproduces the bank's own comparison rate. Interest-only rows are calculated as principal and interest over 25 years, since the regulation defines no interest-only treatment. Penalty fees, break costs, government charges and lenders mortgage insurance are not in it. It is null when comparison_check failed (ours at $150,000 more than 0.05 points from the bank's own comparison_rate_pct, so the fee inputs are evidently incomplete), when the bank publishes no comparison rate, or when a fixed rate's revert rate is not known ('revert rate not published', 'revert rate ambiguous' or 'no variable rate reproduces the bank's figure'); comparison_check.reason says which.",
  "before_answering": "https://deepalmanac.com/au/finance/home-loans/v1/questions.json lists what to ask the reader first (purpose, repayment type, LVR, loan amount, variable or fixed term), what to do when their numbers fall between buckets, and what is most often misread here: stale records, broker-only rates, banks open only to a named group, the comparison rate and package fees.",
  "full_ranking": "https://deepalmanac.com/au/finance/home-loans/v1/best/investment/principal_and_interest/70/300000/fixed_2.json",
  "banks_ranked": 70,
  "top": [
    {"rank":1,"brand_label":"Queensland Country Bank","brand_slug":"queensland-country-bank","product_label":"Home Loan-Package Fixed Rate","rate_pct":6.29,"comparison_rate_pct":6.54,"comparison_rate_at_loan_pct":null,"conditions":["package (annual fee)","new lending only; not for existing Queensland Country loans","Package needs total borrowings of at least $100,000"],"restrictions":["package"],"eligibility":null,"record_stale":false,"annual_fee":395.0,"upfront_fees":null,"exit_fees":null,"lvr_min":0.0,"lvr_max":80.0,"loan_min":100000.0,"loan_max":null,"product_url":"https://www.queenslandcountry.bank/banking/","bank_last_updated":"2026-11-13T00:00:23.8091263Z"},
    {"rank":2,"brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","product_label":"Smart Home Loan Fixed 24M","rate_pct":6.39,"comparison_rate_pct":7.39,"comparison_rate_at_loan_pct":null,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Extra repayments while fixed up to $10,000 a year"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":300.0,"lvr_min":0.0,"lvr_max":90.0,"loan_min":null,"loan_max":null,"product_url":"https://www.nicu.com.au/home-loans/smart-home-loan","bank_last_updated":"2026-10-07T16:42:45.000+11:00"},
    {"rank":3,"brand_label":"The Capricornian","brand_slug":"the-capricornian","product_label":"Premium Choice Investment Loan","rate_pct":6.44,"comparison_rate_pct":7.32,"comparison_rate_at_loan_pct":null,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"restrictions":[],"eligibility":null,"record_stale":false,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"lvr_min":0.0,"lvr_max":80.0,"loan_min":50000.0,"loan_max":null,"product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"rank":4,"brand_label":"Hume Bank","brand_slug":"hume-bank","product_label":"myBlue 2 Year Fix Investment P+I (60.01 - 80.00% LVR)","rate_pct":6.49,"comparison_rate_pct":6.57,"comparison_rate_at_loan_pct":6.57,"conditions":["not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","break cost may apply once extra repayments exceed 25% of the balance at the start of the fixed period"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":null,"upfront_fees":null,"exit_fees":350.0,"lvr_min":60.01,"lvr_max":80.0,"loan_min":null,"loan_max":null,"product_url":"https://www.humebank.com.au/personal/home-loans/myblue-fixed-rate-home-loan","bank_last_updated":"2026-10-14T09:00:56.000+11:00"},
    {"rank":5,"brand_label":"Horizon Bank","brand_slug":"horizon-bank","product_label":"2 Year Fixed Residential Investment","rate_pct":6.49,"comparison_rate_pct":6.99,"comparison_rate_at_loan_pct":null,"conditions":["no annual fee: the bank's page gives \"Offset account fee : $150 ... Annual fee : $0\" (checked 2026-11-05); the $150 is only for an offset account","Break costs may apply if $30,000 or more above scheduled repayments is repaid in 12 months while fixed"],"restrictions":[],"eligibility":null,"record_stale":false,"annual_fee":0,"upfront_fees":350.0,"exit_fees":null,"lvr_min":0.01,"lvr_max":70.0,"loan_min":null,"loan_max":null,"product_url":"https://horizonbank.com.au/loans/investment-loans/fixed-rate-residential-investment-loan/","bank_last_updated":"2026-11-04T11:08:41.000+11:00"},
    {"rank":6,"brand_label":"Dnister","brand_slug":"dnister","product_label":"Premier HL Fixed Interest Rate","rate_pct":6.53,"comparison_rate_pct":6.91,"comparison_rate_at_loan_pct":6.84,"conditions":["establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250","not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","$500 application fee (published $250)","Minimum loan $20,000","Maximum LVR 95%; LMI above 80%"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":null,"upfront_fees":500,"exit_fees":200.0,"lvr_min":null,"lvr_max":null,"loan_min":200000.0,"loan_max":null,"product_url":"https://www.dnister.com.au/portfolio-items/premier-home-loan/","bank_last_updated":"2026-10-07T08:00:39.0749955Z"},
    {"rank":7,"brand_label":"Easy Street","brand_slug":"easy-street","product_label":"2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","rate_pct":6.54,"comparison_rate_pct":6.39,"comparison_rate_at_loan_pct":6.36,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"lvr_min":0.0,"lvr_max":80.0,"loan_min":50000.0,"loan_max":null,"product_url":"https://easystreet.com.au/fixed-home-loan","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"rank":8,"brand_label":"Coastline Bank","brand_slug":"coastline-bank","product_label":"Fixed Rate Investment Loan","rate_pct":6.54,"comparison_rate_pct":6.66,"comparison_rate_at_loan_pct":6.57,"conditions":["not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Break costs when switching from, or repaying early during, a fixed rate period"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":630.0,"lvr_min":60.01,"lvr_max":80.0,"loan_min":null,"loan_max":null,"product_url":"https://www.coastline.com.au/personal/home-loans","bank_last_updated":"2026-10-15T04:00:14.7982475Z"},
    {"rank":9,"brand_label":"The Mutual Bank","brand_slug":"maitland-mutual-limited","product_label":"Package Home Loan","rate_pct":6.54,"comparison_rate_pct":7.41,"comparison_rate_at_loan_pct":null,"conditions":["not updated by the bank since 2026-10-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","package (annual fee)"],"restrictions":["package"],"eligibility":null,"record_stale":true,"annual_fee":395.0,"upfront_fees":150.0,"exit_fees":200.0,"lvr_min":0.0,"lvr_max":90.0,"loan_min":150000.0,"loan_max":null,"product_url":"https://www.themutual.com.au/borrow/home-loans/package-home-loan/","bank_last_updated":"2026-10-27T08:03:33.000+11:00"},
    {"rank":10,"brand_label":"Unity Bank","brand_slug":"unity-bank","product_label":"Fixed Rate Home Loan - Property Investor - P&I - 24 Mths","rate_pct":6.55,"comparison_rate_pct":6.65,"comparison_rate_at_loan_pct":null,"conditions":["rolls over to a new fixed term of the same length unless you choose otherwise"],"restrictions":[],"eligibility":null,"record_stale":false,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"lvr_min":0.0,"lvr_max":90.0,"loan_min":null,"loan_max":null,"product_url":"https://www.unity.bank/home-loans/invest-in-property/fixed-rate-home-loan-property-investor/","bank_last_updated":"2026-11-12T09:19:11.000+11:00"}
  ],
  "broker_note": "Broker-only rates are left out; including them changes nothing in this top 10.",
  "top_with_broker": null,
  "restricted_note": "Banks that lend only to a named occupation or employer group change this top 10: top_with_restricted is the ranking with them in, each with eligibility saying who can borrow.",
  "top_with_restricted": [
    {"rank":1,"brand_label":"BankVic","brand_slug":"bankvic","product_label":"Investor Fixed 2 Years","rate_pct":6.19,"comparison_rate_pct":6.53,"comparison_rate_at_loan_pct":6.5,"conditions":["set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","members only: police, emergency services, health and government workers and their families","Valuation outside metro areas or interstate may cost up to $1,000","Extra repayments while fixed limited to $10,000 a year (non-cumulative); more may incur break costs"],"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"police, emergency services, health and government workers and their families","quote":"BankVic’s services are extended to members of the police, health, emergency and public service sectors.","source_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions"},"record_stale":true,"annual_fee":null,"upfront_fees":600,"exit_fees":295.0,"lvr_min":null,"lvr_max":null,"loan_min":20000.0,"loan_max":null,"product_url":"https://www.bankvic.com.au/home-buying/investor","bank_last_updated":"2026-10-13T07:42:06.000+11:00"},
    {"rank":2,"brand_label":"Queensland Country Bank","brand_slug":"queensland-country-bank","product_label":"Home Loan-Package Fixed Rate","rate_pct":6.29,"comparison_rate_pct":6.54,"comparison_rate_at_loan_pct":null,"conditions":["package (annual fee)","new lending only; not for existing Queensland Country loans","Package needs total borrowings of at least $100,000"],"restrictions":["package"],"eligibility":null,"record_stale":false,"annual_fee":395.0,"upfront_fees":null,"exit_fees":null,"lvr_min":0.0,"lvr_max":80.0,"loan_min":100000.0,"loan_max":null,"product_url":"https://www.queenslandcountry.bank/banking/","bank_last_updated":"2026-11-13T00:00:23.8091263Z"},
    {"rank":3,"brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","product_label":"Smart Home Loan Fixed 24M","rate_pct":6.39,"comparison_rate_pct":7.39,"comparison_rate_at_loan_pct":null,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Extra repayments while fixed up to $10,000 a year"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":300.0,"lvr_min":0.0,"lvr_max":90.0,"loan_min":null,"loan_max":null,"product_url":"https://www.nicu.com.au/home-loans/smart-home-loan","bank_last_updated":"2026-10-07T16:42:45.000+11:00"},
    {"rank":4,"brand_label":"The Capricornian","brand_slug":"the-capricornian","product_label":"Premium Choice Investment Loan","rate_pct":6.44,"comparison_rate_pct":7.32,"comparison_rate_at_loan_pct":null,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"restrictions":[],"eligibility":null,"record_stale":false,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"lvr_min":0.0,"lvr_max":80.0,"loan_min":50000.0,"loan_max":null,"product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"rank":5,"brand_label":"Hume Bank","brand_slug":"hume-bank","product_label":"myBlue 2 Year Fix Investment P+I (60.01 - 80.00% LVR)","rate_pct":6.49,"comparison_rate_pct":6.57,"comparison_rate_at_loan_pct":6.57,"conditions":["not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","break cost may apply once extra repayments exceed 25% of the balance at the start of the fixed period"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":null,"upfront_fees":null,"exit_fees":350.0,"lvr_min":60.01,"lvr_max":80.0,"loan_min":null,"loan_max":null,"product_url":"https://www.humebank.com.au/personal/home-loans/myblue-fixed-rate-home-loan","bank_last_updated":"2026-10-14T09:00:56.000+11:00"},
    {"rank":6,"brand_label":"Horizon Bank","brand_slug":"horizon-bank","product_label":"2 Year Fixed Residential Investment","rate_pct":6.49,"comparison_rate_pct":6.99,"comparison_rate_at_loan_pct":null,"conditions":["no annual fee: the bank's page gives \"Offset account fee : $150 ... Annual fee : $0\" (checked 2026-11-05); the $150 is only for an offset account","Break costs may apply if $30,000 or more above scheduled repayments is repaid in 12 months while fixed"],"restrictions":[],"eligibility":null,"record_stale":false,"annual_fee":0,"upfront_fees":350.0,"exit_fees":null,"lvr_min":0.01,"lvr_max":70.0,"loan_min":null,"loan_max":null,"product_url":"https://horizonbank.com.au/loans/investment-loans/fixed-rate-residential-investment-loan/","bank_last_updated":"2026-11-04T11:08:41.000+11:00"},
    {"rank":7,"brand_label":"Dnister","brand_slug":"dnister","product_label":"Premier HL Fixed Interest Rate","rate_pct":6.53,"comparison_rate_pct":6.91,"comparison_rate_at_loan_pct":6.84,"conditions":["establishment fee $500: the bank's fees page says \"Establishment fee - Home Loan $500.00\" (checked 2026-11-01); the feed says $250","not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","$500 application fee (published $250)","Minimum loan $20,000","Maximum LVR 95%; LMI above 80%"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":null,"upfront_fees":500,"exit_fees":200.0,"lvr_min":null,"lvr_max":null,"loan_min":200000.0,"loan_max":null,"product_url":"https://www.dnister.com.au/portfolio-items/premier-home-loan/","bank_last_updated":"2026-10-07T08:00:39.0749955Z"},
    {"rank":8,"brand_label":"Easy Street","brand_slug":"easy-street","product_label":"2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","rate_pct":6.54,"comparison_rate_pct":6.39,"comparison_rate_at_loan_pct":6.36,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"lvr_min":0.0,"lvr_max":80.0,"loan_min":50000.0,"loan_max":null,"product_url":"https://easystreet.com.au/fixed-home-loan","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"rank":9,"brand_label":"Coastline Bank","brand_slug":"coastline-bank","product_label":"Fixed Rate Investment Loan","rate_pct":6.54,"comparison_rate_pct":6.66,"comparison_rate_at_loan_pct":6.57,"conditions":["not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Break costs when switching from, or repaying early during, a fixed rate period"],"restrictions":[],"eligibility":null,"record_stale":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":630.0,"lvr_min":60.01,"lvr_max":80.0,"loan_min":null,"loan_max":null,"product_url":"https://www.coastline.com.au/personal/home-loans","bank_last_updated":"2026-10-15T04:00:14.7982475Z"},
    {"rank":10,"brand_label":"Border Bank","brand_slug":"border-bank","product_label":"Customs Value Home Loan","rate_pct":6.54,"comparison_rate_pct":6.73,"comparison_rate_at_loan_pct":6.72,"conditions":["restricted membership: serving or retired Border Officers in an associated union"],"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"serving or retired Border Officers in an associated union","quote":"Border Value Home Loan only available to current serving Border Officers or a Retired Border Officer(s) who are a member of a Union that is associated with the Border Federation of Australia.","source_url":"https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9"},"record_stale":false,"annual_fee":84.0,"upfront_fees":600.0,"exit_fees":294.0,"lvr_min":60.0,"lvr_max":80.0,"loan_min":50000.0,"loan_max":null,"product_url":"https://www.borderbank.com.au/loans/home-loans","bank_last_updated":"2026-11-11T13:01:23.234Z"}
  ]
}