Where do the rates come from?

From each lender's Consumer Data Right feed. Australian banks and non-bank lenders must publish every product they offer, with its rates and fees, and this site reads all of them every night. The result shows the date the rates were read.

Why are rates different for different LVRs?

Lenders publish lower rates for lower LVRs because the loan is a smaller share of the property's value. Breaks at 60%, 70% and 80% are common, and above 80% most lenders also charge lenders mortgage insurance.

What's the difference between the advertised and comparison rates?

The advertised rate is the interest rate. The comparison rate adds most fees and charges, worked out on a $150,000 loan over 25 years, so lenders must show it beside the advertised rate. It's a guide: your own fees and loan size change the true cost.

Live Rate Scanner

Every Australian lender's published home loan rate for your loan type and LVR, lowest first, from the Consumer Data Right.

Updated October 2026Built and checked by MaverickHow it's calculated Report an error

Your numbers

Updates as you type

Rate scan: Owner Occupier P&I @ 80% LVR

Best variable

5.93%

SCCU

Best 2yr fixed

6.09%

BankVic

Market median

6.38%

of 104 lenders

Monthly saving vs median

$146

at best rate

Lowest published variable rates

For 80% LVR, as each lender published them under the Consumer Data Right on 7 November 2026.

Where each lender sits

The 30 lenders with the lowest rates for this loan, cheapest first.

Full panel

SCCU

BROKER HOME LOAN

Var 5.93%

Comp 6.28%

Fix 6.24%

$2,975/mo

Offset · Redraw · Extra repayments · $395 annual fee

Northern Inland Credit Union Ltd.

Value Home Loan - Owner Occupied

Var 5.94%

Comp 5.98%

Fix 6.39%

$2,978/mo

Redraw · Extra repayments · No annual fee

Broken Hill Bank

Choice Home Loan

Var 5.94%

Comp 5.99%

Fix –

$2,978/mo

Redraw · Extra repayments · No annual fee

AAA Financial Corporation

Portfolio Loan

Var 5.94%

Comp –

Fix 7.84%

$2,978/mo

Offset · Redraw · Extra repayments · $295 annual fee

Bluebay Home Loans

Portfolio Loan

Var 5.94%

Comp –

Fix 7.84%

$2,978/mo

Offset · Redraw · Extra repayments · $295 annual fee

The Mutual Bank

Budget Home Loan

Var 6.04%

Comp 6.04%

Fix 6.34%

$3,011/mo

Redraw · Extra repayments · No annual fee

Greater Bank

Discounted Great Rate Home Loan - Variable Owner Occupied

Var 6.09%

Comp 6.10%

Fix 6.39%

$3,027/mo

Redraw · Extra repayments · No annual fee

MOVE Bank

Everyday Home Loan

Var 6.09%

Comp –

Fix 6.49%

$3,027/mo

Redraw · Extra repayments · No annual fee

Unloan Prod

Unloan Home Loan

Var 6.14%

Comp 6.05%

Fix –

$3,043/mo

Redraw · Extra repayments · No annual fee

Gateway Bank

Low Rate Essentials

Var 6.14%

Comp 6.16%

Fix 6.57%

$3,043/mo

Redraw · Extra repayments · No annual fee

Police Credit Union Limited

Low Rate Home Loan Special Offer - Owner Occupied

Var 6.14%

Comp 6.18%

Fix 6.29%

$3,043/mo

Offset · Redraw · Extra repayments · No annual fee

Summerland

Basic Variable Home Loan

Var 6.14%

Comp 6.20%

Fix 6.38%

$3,043/mo

Redraw · Extra repayments · No annual fee

Transport Mutual Credit Union Ltd

REFI SPECIAL OWNER OCCUPIED

Var 6.14%

Comp 6.24%

Fix 6.54%

$3,043/mo

Offset · Redraw · Extra repayments · No annual fee

Bendigo Bank

Bendigo Express Home Loan

Var 6.14%

Comp 6.29%

Fix 6.49%

$3,043/mo

Offset · Redraw · Extra repayments · No annual fee

Bank of China

Discount Home Loan (With Principal and Interest Repayment)

Var 6.18%

Comp 6.38%

Fix 6.89%

$3,056/mo

Redraw · Extra repayments · No annual fee

First Option Bank

SIMPLE HOME LOAN

Var 6.19%

Comp 6.19%

Fix –

$3,059/mo

Redraw · Extra repayments · No annual fee

LCA

Bare Home Loan

Var 6.19%

Comp 6.23%

Fix 7.09%

$3,059/mo

Redraw · Extra repayments · No annual fee

Mortgage House

Chameleon - Executive Home Loan 80

Var 6.19%

Comp 6.23%

Fix –

$3,059/mo

Offset · Redraw · Extra repayments · No annual fee

Newcastle Permanent

Real Deal Home Loan Principal and Interest

Var 6.19%

Comp 6.23%

Fix 6.39%

$3,059/mo

Redraw · Extra repayments · No annual fee

UniBank

Your Way Home Loan

Var 6.19%

Comp 6.25%

Fix 6.74%

$3,059/mo

Redraw · Extra repayments · No annual fee

Woolworths Team Bank

Team Member Home Loan - No Offset

Var 6.19%

Comp 6.28%

Fix 6.79%

$3,059/mo

Redraw · No annual fee

Goulburn Murray Credit Union Co-Operative Ltd

Standard Variable Plus

Var 6.19%

Comp 6.35%

Fix 6.19%

$3,059/mo

Offset · Redraw · Extra repayments · No annual fee

Up Home Loan

Var 6.20%

Comp 6.20%

Fix 6.45%

$3,062/mo

Offset · Redraw · Extra repayments · No annual fee

Homestar Finance

Star Essentials

Var 6.23%

Comp 6.23%

Fix 7.53%

$3,072/mo

Redraw · Extra repayments · No annual fee

Bank of us

TOPLINE HOME LOAN

Var 6.24%

Comp 6.24%

Fix –

$3,075/mo

Offset · Redraw · Extra repayments · No annual fee

BankVic

Home Loan Special Variable Rate

Var 6.24%

Comp 6.24%

Fix 6.09%

$3,075/mo

Offset · Redraw · Extra repayments · No annual fee

Hume Bank Limited

liteBlue Deposit Scheme O/Occ P+I (up to 98%LVR)

Var 6.24%

Comp 6.25%

Fix 6.39%

$3,075/mo

Redraw · Extra repayments · No annual fee

Queensland Country Bank

Home Loan-Package

Var 6.24%

Comp 6.25%

Fix 6.29%

$3,075/mo

Offset · Redraw · Extra repayments · $395 annual fee

bankWAW

Back to Basics Owner Occupied

Var 6.24%

Comp 6.29%

Fix 6.45%

$3,075/mo

Redraw · Extra repayments · No annual fee

The Capricornian

No Frills Owner Occupied Home Loan

Var 6.24%

Comp 6.29%

Fix 6.34%

$3,075/mo

Redraw · Extra repayments · No annual fee

5.93% variable at SCCU

For a $500,000 owner-occupier principal-and-interest loan at 80% LVR, priced at the 80% band, the lowest published variable rate is 5.93% on SCCU's BROKER HOME LOAN (comparison 6.28%). Across the 104 lenders publishing this rate, the median is 6.38%: at the lowest rate the repayment is $2,975 a month, $146 less than at the median. Rates as each lender published them under the Consumer Data Right on 7 November 2026; the rate you're offered depends on the lender's assessment.

How it works

The rate scanner lists the lowest home loan rates lenders publish for your loan type and LVR. Banks and non-bank lenders must publish every home loan they offer under the Consumer Data Right, with its rates by loan purpose, repayment type and LVR. This site reads all of them every night, and the scanner shows the 30 lenders with the lowest variable rate for your situation, each with its comparison rate, 2-year fixed rate, features and monthly repayment. Pick the features you need, such as an offset account or no annual fee, and it shows each lender's cheapest product that has them. The rates are what each lender publishes; the rate you're offered depends on the lender's assessment of your application.

1Enter the loan amount and your LVR (the loan as a percentage of the property's value).
2Choose owner-occupier or investor, and principal-and-interest or interest-only repayments.
3Tick any features you need: the scanner then shows each lender's cheapest product that has them.
4Compare the variable, comparison and 2-year fixed rates, and open a product for its full rates and fees.

The figures 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 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 RBA cash rate is 4.85%. Those are for an owner-occupier paying principal and interest at an 80% LVR.

Home loan rates today Who passed on the last RBA move

Worked examples

Owner-occupier at 85% LVR who needs an offset

Sam is borrowing $600,000 at 85% LVR, principal and interest, and wants an offset account.

Loan amount: $600,000
LVR: 85%
Loan type: Owner Occupier P&I

The scanner prices the loan at the 85% band and, with Offset Account ticked, shows each lender's cheapest product with an offset. The monthly repayment column shows what each rate means at $600,000 over 30 years.

Investor weighing fixed against variable

Chen has a $420,000 investment loan at 70% LVR, principal and interest.

Loan amount: $420,000
LVR: 70%
Loan type: Investor P&I

Investor rates are listed separately from owner-occupier rates. Each lender's 2-year fixed rate sits beside its variable rate, so Chen can see what fixing would add or save each month for the first two years.

Questions people ask

Where do the rates come from?: From each lender's Consumer Data Right feed. Australian banks and non-bank lenders must publish every product they offer, with its rates and fees, and this site reads all of them every night. The result shows the date the rates were read.
Why are rates different for different LVRs?: Lenders publish lower rates for lower LVRs because the loan is a smaller share of the property's value. Breaks at 60%, 70% and 80% are common, and above 80% most lenders also charge lenders mortgage insurance.
What's the difference between the advertised and comparison rates?: The advertised rate is the interest rate. The comparison rate adds most fees and charges, worked out on a $150,000 loan over 25 years, so lenders must show it beside the advertised rate. It's a guide: your own fees and loan size change the true cost.

The terms, in plain English

Comparison Rate: The interest rate plus most fees and charges, expressed as one annual rate on a $150,000 loan over 25 years. Lenders must show it beside the advertised rate.
LVR (Loan-to-Value Ratio): The loan as a percentage of the property's value. Lenders publish their rates by LVR band.
P&I (Principal & Interest): Repayments that cover the interest and pay down the loan, so the balance falls over time.
IO (Interest Only): Repayments that cover only the interest for a set period, so the balance doesn't fall. Lenders price interest-only loans separately.

Good to know

Rates are read from every lender's Consumer Data Right feed each night; the result shows the date.
Lenders price by LVR band. The scanner uses the first band at or above your LVR: 60, 70, 80, 85, 90 or 95%.
The comparison rate rolls most fees into one rate on a $150,000 loan over 25 years, so it can rank lenders differently from the headline rate.
Products open only to particular customers, such as staff, are left out.
The market median is the middle of every lender's lowest rate for your loan type and band.

Tips

Check the comparison rate as well as the headline rate: an annual or package fee can make a lower rate cost more.
An offset account or no annual fee can cost a little in rate; the features filter shows what each lender charges for them.
Interest-only and investor loans are priced separately, so compare within the same loan type.
Your current lender may match a lower published rate; the scanner's figures are a starting point for that conversation.

Common mistakes

Comparing headline rates alone, without the comparison rate or fees.
Comparing rates for a different LVR band from your own.
Treating a published rate as the rate you'll be approved for: lenders assess each application.
Forgetting to tick a feature you need, then finding the cheapest product doesn't have it.

Compare the real products

Disclaimer: Estimates only. Interest rates, fees and policies change frequently. Always verify with lenders directly. General information, not personal financial advice.

Live Rate Scanner

Your numbers

Rate scan: Owner Occupier P&I @ 80% LVR

Lowest published variable rates

Where each lender sits

How it works

The figures today

Worked examples

Owner-occupier at 85% LVR who needs an offset

Investor weighing fixed against variable

Questions people ask

The terms, in plain English

Official sources

Check Refinance Savings

Negotiate Your Rate

Fixed vs Variable Analysis

Live Rate Scanner

Your numbers

Rate scan: Owner Occupier P&I @ 80% LVR

Lowest published variable rates

Where each lender sits

How it works

The figures today

Worked examples

Owner-occupier at 85% LVR who needs an offset

Investor weighing fixed against variable

Questions people ask

The terms, in plain English

Official sources

Related calculators

Check Refinance Savings

Negotiate Your Rate

Fixed vs Variable Analysis