Home loans
Every residential mortgage Australian banks publish, with rates by purpose, repayment type, fixed term and LVR band.
1,809 home loans from 140 banks and lenders, read every night from what each one publishes under the Consumer Data Right.
Go to every home loanEvery institution's best rate, today
As published on 7 November 2026Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 1-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 2-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 3-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
Investment, principal & interest, 80% LVR. One dot per institution, at its lowest investor variable home loan rate anyone can apply for; hover or tap a dot for its name.
What are the lowest home loan rates today?
As of 7 November 2026, the lowest variable home loan rate is 5.93%, from SCCU's BROKER HOME LOAN, while the typical best across 104 institutions is 6.38%. The lowest 1-year fixed home loan rate is 5.99%, from Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M, while the typical best across 82 institutions is 6.59%. The lowest 2-year fixed home loan rate is 6.09%, from BankVic's Fixed Rate Home Loan - 2 years, while the typical best across 84 institutions is 6.62%. The lowest 3-year fixed home loan rate is 6.24%, from Credit Union SA's 3-Year Fixed 40 Year Home Loan Package, while the typical best across 80 institutions is 6.69%. The lowest 5-year fixed home loan rate is 6.49%, from AMB Bank Product's 5 Year Fixed Rate Home Loan, while the typical best across 63 institutions is 6.89%. The lowest investor variable home loan rate is 5.94%, from AAA Financial Corporation's Portfolio Loan, while the typical best across 104 institutions is 6.59%. In August 2026, owner-occupiers paid an average 6.2% on existing variable home loans (5.5% a year earlier) and 6.2% on new ones, and investors 6.5% on existing variable loans, from RBA table F6. That's what borrowers pay on average; the best advertised rates are lower.
Each institution counts once, at its best product anyone can apply for, so the typical figure is the middle one: half do better, half worse. Pick a rate to see every product behind it.
| Rate | Best anywhere | Typical institution |
|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions |
Home loans, lowest rate first
As of 7 November 2026, the lowest owner-occupier variable home loan rate open to anyone (principal and interest, 80% LVR) is 5.93%, from SCCU's BROKER HOME LOAN, with a comparison rate of 6.28%. 3 other home loans offer the same rate.
| Product | Ratelowest first | Comparison | LVR band | Loan size | Features | Annual fee |
|---|---|---|---|---|---|---|
| SCCU BROKER HOME LOAN | 5.93% | 6.28% | 60–80% LVR | - | Offset, redraw, extra repayments | $395 |
| SCCU EMONEY HOME LOAN | 5.93% | 6.28% | 60–80% LVR | - | Offset, redraw, extra repayments | $395 |
| SCCU LJH 5STAR HOME LOAN | 5.93% | 6.28% | 60–80% LVR | - | Offset, redraw, extra repayments | $395 |
| SCCU PREMIUM HOME LOAN | 5.93% | 6.28% | 60–80% LVR | - | Offset, redraw, extra repayments | $395 |
| Northern Inland Credit Union Ltd. Value Home Loan - Owner Occupied | 5.94% | 5.98% | Any | - | Redraw, extra repayments | - |
| Broken Hill Bank Choice Home Loan | 5.94% | 5.99% | Any | - | Redraw, extra repayments | - |
| AAA Financial Corporation Portfolio Loan | 5.94% | - | ≤90% LVR | $50,000–$1,500,000 | Offset, redraw, extra repayments | $295 |
| Bluebay Home Loans Portfolio Loan Also sold as 7 broker brands | 5.94% | - | ≤90% LVR | $50,000–$1,500,000 | Offset, redraw, extra repayments | $295 |
| The Mutual Bank Budget Home Loan | 6.04% | 6.04% | Any | - | Redraw, extra repayments | - |
| Greater Bank Discounted Great Rate Home Loan - Variable Owner Occupied | 6.09% | 6.10% | Any | - | Redraw, extra repayments | - |
| MOVE Bank Everyday Home Loan | 6.09% | - | Any | - | Redraw, extra repayments | - |
| Unloan Prod Unloan Home Loan | 6.14% | 6.05% | ≤80% LVR | - | Redraw, extra repayments | - |
| Gateway Bank Low Rate Essentials | 6.14% | 6.16% | Any | - | Redraw, extra repayments | - |
| Police Credit Union Limited Low Rate Home Loan Special Offer - Owner Occupied | 6.14% | 6.18% | ≤80% LVR | - | Offset, redraw, extra repayments | - |
| Summerland Basic Variable Home Loan | 6.14% | 6.20% | Any | - | Redraw, extra repayments | $96 |
| Transport Mutual Credit Union Ltd REFI SPECIAL OWNER OCCUPIED | 6.14% | 6.24% | Any | - | Offset, redraw, extra repayments | - |
| Bendigo Bank Bendigo Express Home Loan | 6.14% | 6.29% | Any | - | Offset, redraw, extra repayments | $120 |
| Transport Mutual Credit Union Ltd 1 YEAR FIXED RATE LOAN | 6.14% | - | Any | - | Offset, redraw, extra repayments | - |
| Transport Mutual Credit Union Ltd 2 FIXED RATE HOME LOAN | 6.14% | - | Any | - | Offset, redraw, extra repayments | - |
| Bank of China Discount Home Loan (With Principal and Interest Repayment) | 6.18% | 6.38% | Any | - | Redraw, extra repayments | - |
| Bank of China Discount Plus Home Loan (with Principal and Interest Repayment) | 6.18% | 6.56% | Any | - | Offset, redraw, extra repayments | - |
| First Option Bank SIMPLE HOME LOAN | 6.19% | 6.19% | 70–95% LVR | - | Redraw, extra repayments | - |
| Gateway Bank Allium Money Essentials | 6.19% | 6.19% | Any | - | Redraw, extra repayments | - |
| LCA Bare Home Loan | 6.19% | 6.23% | ≤90% LVR | - | Redraw, extra repayments | - |
| Mortgage House Chameleon - Executive Home Loan 80 | 6.19% | 6.23% | Any | - | Offset, redraw, extra repayments | - |
| Newcastle Permanent Real Deal Home Loan Principal and Interest | 6.19% | 6.23% | ≤80% LVR | $150,000+ | Redraw, extra repayments | - |
| UniBank Your Way Home Loan | 6.19% | 6.25% | 0–95% LVR | - | Redraw, extra repayments | - |
| Woolworths Team Bank Team Member Home Loan - No Offset | 6.19% | 6.28% | 50–80% LVR | - | Redraw | - |
| Goulburn Murray Credit Union Co-Operative Ltd Standard Variable Plus | 6.19% | 6.35% | 60–80% LVR | - | Offset, redraw, extra repayments | $96 |
| Up Up Home Loan | 6.20% | 6.20% | Any | - | Offset, redraw, extra repayments | - |
| Homestar Finance Star Essentials | 6.23% | 6.23% | 70–80% LVR | $50,000–$3,500,000 | Redraw, extra repayments | - |
| Bank of us TOPLINE HOME LOAN | 6.24% | 6.24% | ≤80% LVR | - | Offset, redraw, extra repayments | - |
| BankVic Home Loan Special Variable Rate | 6.24% | 6.24% | Any | - | Offset, redraw, extra repayments | - |
| Gateway Bank Allium Money Premium | 6.24% | 6.24% | Any | - | Offset, redraw, extra repayments | $299 |
| Hume Bank Limited liteBlue Deposit Scheme O/Occ P+I (up to 98%LVR) | 6.24% | 6.25% | Any | - | Redraw, extra repayments | - |
| Queensland Country Bank Home Loan-Package | 6.24% | 6.25% | ≤80% LVR | - | Offset, redraw, extra repayments | $395 |
| bankWAW Back to Basics Owner Occupied | 6.24% | 6.29% | 1–80% LVR | - | Redraw, extra repayments | - |
| The Capricornian No Frills Owner Occupied Home Loan | 6.24% | 6.29% | ≤80% LVR | - | Redraw, extra repayments | - |
| Border Bank Customs Value Home Loan | 6.24% | 6.31% | 60–90% LVR | - | Offset, redraw, extra repayments | $84 |
| Gateway Bank Premium Package | 6.24% | 6.52% | Any | - | Offset, redraw, extra repayments | $299 |
| Northern Inland Credit Union Ltd. Dream Home Loan New Borrowing | 6.24% | 6.58% | Any | - | Offset, redraw, extra repayments | $350 |
| First Option Bank COMPLETE PACKAGE HOME LOAN | 6.24% | 6.59% | 70–95% LVR | - | Offset, redraw, extra repayments | $375 |
| Summerland Premium Variable Home Loan | 6.24% | 6.60% | Any | - | Offset, redraw, extra repayments | $380 |
| Tiimely Tiimely Basic Home Loan | 6.29% | 6.30% | 70–80% LVR | - | Redraw, extra repayments | $0 |
| bcu OMG Home Loan (P&I) LVR>60-80 | 6.29% | 6.32% | Any | - | Redraw, extra repayments | - |
| IMB Bank Budget Home Loan | 6.29% | 6.32% | 70–80% LVR | - | Redraw, extra repayments | - |
| Regional Australia Bank Regional Australia Bank Home Loan (Non Offset) | 6.29% | 6.32% | 70–80% LVR | - | Redraw, extra repayments | $0 |
| LCA Variable Bold Home Loan | 6.29% | 6.33% | ≤90% LVR | - | Offset, redraw, extra repayments | - |
| Easystreet STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest) | 6.29% | 6.34% | Any | - | Offset, redraw, extra repayments | - |
| Border Bank Goldrate Home Loan | 6.29% | 6.36% | 60–80% LVR | - | Offset, redraw, extra repayments | $84 |
388 of 1,809 home loans match these filters. 195 with restricted eligibility (staff, profession, age, green or business-only) are hidden.
Published by each institution under the Consumer Data Right, last changed by them on 7 Nov 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.