The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

23 products · 6 categories · changed 18 Sept 2026

The Capricornian.

Business loans 2 Overdrafts 1 Personal loans 2 Home loans 8 Term deposits 1 Savings & transaction accounts 9

Business loans · 2Compare across banks →

Asset Equity Business Loan

Pricing: Rates on application
Upfront fee: $2,900
Monthly fee: $105

Home Equity Business Loan

Variable: 8.10%
Upfront fee: $2,900
Monthly fee: $105

Overdrafts · 1Compare across banks →

Business Access Overdraft

Variable: 9.10%
Upfront fee: $3,650
Monthly fee: $115

Personal loans · 2Compare across banks →

Car & Motor Vehicle Loans

Variable: 7.18% · 7.53% comparison
Upfront fee: $250

Variable: 10.69% · 11.05% comparison
Upfront fee: $250

Home loans · 8Compare across banks →

Access Equity Home Loan

Variable (owner occ. P&I): 7.84% · 7.89% comparison
Max LVR: 80%
Features: redraw, extra repayments

Lifestyle Home Loan

Variable (owner occ. P&I): 6.69% · 6.74% comparison
Fixed: 1 yr 6.54% · 2 yrs 6.64% · 3 yrs 6.84%
Max LVR: 80%

Mortgage Plus Home Loan

Variable (owner occ. P&I): 8.98%
Variable (investor P&I): 8.98%
Max LVR: 75%

No Frills Investment Home Loan

Variable (investor P&I): 6.19%
Max LVR: 97%
Features: redraw, extra repayments

No Frills Owner Occupied Home Loan

Variable (owner occ. P&I): 5.99% · 6.04% comparison
Max LVR: 97%
Features: redraw, extra repayments

Premium Choice Home Loan

Variable (owner occ. P&I): 7.45% · 7.50% comparison
Fixed: 1 yr 6.24% · 2 yrs 6.34% · 3 yrs 6.54%
Max LVR: 97%

Premium Choice Investment Loan

Variable (investor P&I): 7.87%
Max LVR: 97%
Features: offset, redraw, extra repayments

Variable Rate Offset Home Loan

Variable (owner occ. P&I): 6.19% · 6.19% comparison
Max LVR: 97%
Features: offset, redraw, extra repayments

Term deposits · 1Compare across banks →

Best rate: 5.10% for 12m
12 months: 5.10%
Min deposit: $5,000

Savings & transaction accounts · 9Compare across banks →

Bonus Saver Account

Base rate: 0.10%
Bonus rate: 4.65%
Up to: 4.75%

Business Access Account

Base rate: 0.00%
Monthly fee: $10

Base rate: 0.00%

Everyday Saver Account

Base rate: 0.10%

Base rate: 0.00%

Pension Access Account

Base rate: 0.10%
Monthly fee: $6

Personal Access Account

Base rate: 0.00%
Monthly fee: $6

Student Access Account

Base rate: 0.00%
Monthly fee: $12

Youth Access Account

Base rate: 1.50%
Monthly fee: $6

Published by The Capricornian under the Consumer Data Right, last changed by them on 18 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.

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