Rates Updated: January 2026

Home Lending Rates
From 5.89% p.a.

Compare home lending rates from 40+ Australian lenders. Find the best rate for your situation — first home buyer, investor, or refinancer. We do the comparison, you get the savings.

Compare Home Lending Rates

Sample rates from our panel of 40+ lenders. Your actual rate depends on your deposit, income, and loan amount.

Lender TypeVariable2yr Fixed3yr FixedComparison*
Major Bank A
Big 4
6.24%5.99%6.09%6.45%
Major Bank B
Big 4
6.19%5.94%6.04%6.40%
Regional Lender
Regional
5.99%5.89%5.99%6.20%
Online Lender
Digital
5.89%5.79%5.89%6.10%
Credit Union
Credit Union
6.09%5.94%6.04%6.30%
Non-Bank Lender
Non-Bank
5.94%5.84%5.94%6.15%

*Comparison rate calculated on a $150,000 loan over 25 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees are not included. Rates shown are indicative only and subject to change.

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