Open Market Intel

Rates › Home loans

Rates · Home loans

Home loans: every current advertised rate

1,247 home loans from 83 lenders, lowest rate first, each the figure its lender publishes under the Consumer Data Right today. 178 products restricted by occupation, employer or membership are left out and listed on the lender's page. One row per lender, its best product, with a count of its other products. Click a product for every rate, its 30-day history and its latest moves. What a comparison rate is.

Lowest rate
5.70%
SWSbank
Median rate
6.74%
across 1,247 products
Lenders
83
with a current rate

The lowest rate, 5.70%, is 1.04 points below the median of 6.74% on this page; 5 lenders price within 0.25 points of it. In the last 30 days 75 lenders repriced a home loan: 14 cut a rate and 75 lifted one. The latest was Police Bank on 3 November 2026, lifting Goldrate Home Loan from 6.44% to 6.79%.

By purpose and term

Variable owner occupier, P&IVariable owner occupier, interest onlyFixed 1 year, owner occupierFixed 2 years, owner occupierFixed 3 years, owner occupierFixed 4 years, owner occupierFixed 5 years, owner occupierVariable investor, P&IVariable investor, interest onlyFixed 1 year, investorFixed 2 years, investorFixed 3 years, investorFixed 4 years, investorFixed 5 years, investor

Best rate by lender (83)

LenderProductAdvertised rateComparison rate
SWSbankIntro Discounted Standard Variable Home Loan +9 more5.70%6.06%
Southern Cross Credit UnionBroker Home Loan +4 more5.93%6.28%
Broken Hill BankChoice Home Loan +10 more5.94%5.99%
Coastline BankOptions Home Loan +10 more5.94%8.56%
Northern Inland Credit UnionValue Home Loan - Investment +12 more5.94%5.98%
Horizon BankFirst Home Buyer Loan +23 more5.99%6.00%
First Option BankSimple Home Loan +1 more5.99%5.99%
bankWAWBack to Basics Owner Occupied +5 more6.04%6.25%
Maitland MutualBudget Home Loan +3 more6.04%6.04%
Police Credit Union1 Year Fixed Rate Home Loan 95% LVR - First Home Buyer +53 more6.09%7.19%
Greater BankDiscounted Great Rate Home Loan - Variable Owner Occupied +55 more6.09%6.10%
MOVE BankEveryday Home Loan +1 more6.09%
Police BankFirst Home Loan +1 more6.09%6.16%
Border BankFirst Home Loan +1 more6.09%6.16%
BankVicFixed Rate Home Loan - 2 years +21 more6.09%6.35%
GMCUStandard Variable Plus +3 more6.09%6.25%
Virgin MoneyVirgin Money Lite Home Loan +1 more6.09%6.11%
Laboratories Credit UnionFirst Home Buyer Loan Variable +9 more6.10%
Summerland BankBasic Variable Home Loan +5 more6.14%6.20%
Bendigo BankBendigo Express Home Loan +7 more6.14%6.27%
Gateway BankLow Rate Essentials +78 more6.14%6.16%
TMCURefi Special Owner Occupied +11 more6.14%6.24%
Regional Australia BankRegional Australia Bank Home Loan (Non Offset) +3 more6.14%6.17%
UnloanUnloan Home Loan6.14%6.05%
Unity BankAustralian Government 5% Deposit Scheme +38 more6.15%6.20%
CommFCUGo Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest) +54 more6.15%6.20%
The Mac2 Year Discounted Basic Variable Loan Owner Occupied P&I +26 more6.17%7.82%
Bank of ChinaDiscount Home Loan (With Principal and Interest Repayment) +13 more6.18%6.38%
IMB BankBudget Home Loan +7 more6.19%6.22%
Bank of usFlexidiscount Home Guarantee Scheme Home Loan +6 more6.19%6.19%
NRMA Home LoansNRMA Basic Home Loan +1 more6.19%6.23%
Newcastle Permanent Building SocietyReal Deal Home Loan Principal and Interest +15 more6.19%6.23%
Tiimely HomeTiimely Basic Home Loan +1 more6.20%6.21%
UpUp Home Loan6.20%6.20%
Credit Union SA3-Year Fixed Home Loan Package Principal and Interest +25 more6.24%6.82%
AMP MyAMPAMP Essential Home Loan +5 more6.24%6.27%
Bank of SydneyBOS Basic Home Loan Owner Occupied +7 more6.24%6.28%
Bank FirstBasic Home Loan Variable LVR<60% +124 more6.24%6.29%
QBankClassic Home Loan +6 more6.24%6.26%
People's Choice and HeritageDiscount Variable - Owner Occupied +13 more6.24%6.25%
WestpacFlexi First : Our lowest online variable home loan rate (Owner Occupied) +6 more6.24%6.25%
Central Murray BankHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60% +16 more6.24%6.30%
Queensland Country BankHome Loan-Package +4 more6.24%6.25%
ME Bank - ME GoME Bank EconoME Home Loan +1 more6.24%6.26%
The CapricornianNo Frills Owner Occupied Home Loan +7 more6.24%6.29%
BCU BankOmg Home Loan (P&I) Lvr<60 +14 more6.24%6.27%
DnisterSimple Home Loan Plus +5 more6.24%6.91%
Hume BankliteBlue Deposit Scheme O/Occ P+I (up to 98%LVR) +113 more6.24%6.25%
Bank of QueenslandBOQ Essential Home Loan +4 more6.28%6.30%
Qantas Money Home LoansQANTAS Money Basic Home Loan +1 more6.28%6.35%
Auswide BankBasic Home Loan +2 more6.29%6.32%
MyState BankBasic Variable Loan +3 more6.29%6.32%
Orange Credit UnionBasic Variable Rate Home Loan +13 more6.29%6.34%
Macquarie BankMacquarie Basic Home Loan +1 more6.29%6.31%
INGMortgage Simplifier +2 more6.29%6.32%
NABNAB Tailored Home Loan +2 more6.29%6.42%
Easy StreetStreet Smart Variable Home Loan - Investment (Principal and Interest) +12 more6.29%6.34%
BNK BankGold Prime Residential Basic Home Loans +3 more6.30%6.33%
AFG Home Loans AlphaAFG Alpha Basic Home Loan +1 more6.34%6.36%
Aussie ElevateAussie Elevate Basic Home Loan +1 more6.34%6.36%
Connective SelectConnective Select Basic Home Loan +1 more6.34%6.36%
CBADigi Home Loan (Owner Occupied) +15 more6.34%6.36%
UBankFlex - Variable OO P&I +10 more6.34%6.58%
Central West Credit UnionPremium Smart Home Loan +9 more6.34%6.40%
Beyond Bank AustraliaPurple Basic Vbl Home Loan +6 more6.34%6.37%
Australian Military BankRateSaver Home Loan +10 more6.34%6.37%
Bank AustraliaBasic Home Loan +11 more6.38%6.38%
P&N BankBasic Variable HL LVR <60 +29 more6.38%6.41%
Qudos BankLow Cost Value Package +2 more6.38%6.56%
RACQ BankFair Dinkum Home Loan +17 more6.39%6.39%
Arab Bank AustraliaBasics Home Loan Special Offer +9 more6.40%6.53%
BankwestBankwest Simple Home Loan +3 more6.44%6.47%
Cairns BankPlus Home Loan Fixed 1yr <60 LVR PI +63 more6.44%6.26%
Defence BankPremier Low Rate +10 more6.49%6.49%
ANZ PlusANZ Plus Home Loan Variable6.50%6.50%
BankSABasic Variable Home Loan +4 more6.54%6.55%
Bank of MelbourneBasic Variable Home Loan +4 more6.54%6.55%
St.George BankBasic Variable Home Loan +4 more6.54%6.55%
ANZANZ Simplicity Plus +2 more6.64%6.64%
Darling Downs BankEssential Home Loan +44 more6.64%6.79%
Liberty FinancialLow rate home loan +11 more6.74%6.82%
Great Southern Bank1 year Fixed Rate OO P&I +22 more6.75%8.15%
Judo BankHome Loan8.90%8.92%

Get an email the morning a home loan rate moves.

Other markets · every lender · daily insights.