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Rates › Home loans › Fixed 3 years, owner occupier

Rates · Home loans

3 year fixed owner occupier home loan (P&I) rates

One row per lender: its lowest 3 year fixed owner occupier home loan (principal and interest) rate today, the LVR band that rate applies to, and the comparison rate it publishes. Loans restricted by occupation, employer or membership, government scheme rates such as the Home Guarantee, and the rate a fixed loan reverts to are left out. A rate marked net of discount is the lender's advertised rate less the discount it publishes for that band. Click a product for every rate and LVR band.

Lowest rate
6.19%
Police Credit Union
Median rate
6.67%
of each lender's best, 69 lenders
Lenders
69
publishing this rate
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

Lowest rate by lender (69)

LenderProductApplies atRateComparison rate
Police Credit Union3 Year Fixed Rate Home Loan 95% LVR - First Home BuyerLVR up to 95%6.19%7.00%
Credit Union SA3-Year Fixed Home Loan Package Principal and Interestany LVR6.24%6.82%
CommFCUBoost Package Home Loan - 3 Year Fixed - Owner-occupied LVR 80% (Principal and Interest)LVR up to 80%6.29%6.66%
bankWAWFlexible Choice Owner OccupiedLVR up to 60%6.30%6.84%
Southern Cross Credit UnionBroker Home LoanLVR up to 60%6.34%6.40%
Horizon Bank3 Year Fixed Home LoanLVR up to 70%6.34%6.73%
Greater BankUltimate Packaged Home Loan - Fixed 3 Year Owner Occupiedany LVR6.34%7.79%
Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)LVR up to 60%6.37%6.23%
Summerland BankFixed Rate LoanLVR up to 60%6.37%6.58%
BankVicFixed Rate Home Loan - 3 yearsany LVR6.39%6.41%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate Home Loan Principal and InterestLVR up to 80%6.39%7.88%
Border BankFirst Home LoanLVR up to 100%6.44%6.26%
Police BankFirst Home LoanLVR up to 100%6.44%6.26%
Easy Street3 Year Fixed Home Loan - Owner-occupied (Principal and Interest)any LVR6.44%6.38%
Maitland MutualPackage Home LoanLVR up to 95%6.44%6.87%
Australian Military Bank3 Year Fixed Rate Home LoanLVR up to 100%6.44%7.00%
MOVE BankEveryday Home Loanany LVR6.44%
The MacGovt Low Dep 3yr Fixed Ooc PIany LVR6.49%6.33%
Hume BankmyBlue 3 Year Fix O/Occ P+I (up to 60% LVR)LVR up to 60%6.49%6.38%
IMB Bank3 year Fixed Rate Home LoanLVR up to 95%6.49%6.57%
QBank3 Year Fixed Home LoanLVR up to 95%6.49%7.80%
Unity BankFixed Rate Home Loan - Owner Occupier - P&I - 36 mthsany LVR6.50%6.59%
DnisterPremier HL Fixed Interest Rateany LVR6.51%6.73%
The CapricornianPremium Choice Home LoanLVR up to 80%6.54%6.94%
People's Choice and HeritageStandard Fixed Rate Home Loans - Owner OccupiedLVR up to 95%6.54%8.32%
UpUp Home Loanany LVR6.55%6.30%
Cairns BankPlus Home Loan Fixed 3yr <60 LVR PILVR up to 60%6.59%6.20%
Tiimely HomeTiimely Basic Home LoanLVR up to 80%6.59%6.38%
GMCUFixed Rate Home LoanLVR up to 60%6.59%6.39%
Bendigo BankBendigo Express Home Loanany LVR6.59%6.40%
Macquarie BankMacquarie Basic Home LoanLVR up to 70%6.59%6.40%
Coastline BankFixed Rate Home LoanLVR up to 80%6.59%6.68%
Orange Credit UnionPremium Home Loan Fixed 36 mths P&I Owner Occupiedany LVR6.64%6.51%
Qantas Money Home LoansQANTAS Money Basic Home LoanLVR up to 80%6.64%6.52%
Gateway BankAllium Premium 3Yr Fixedany LVR6.67%6.37%
AMP MyAMPAMP First Home LoanLVR up to 90%6.68%6.47%
NRMA Home LoansNRMA Basic Home LoanLVR up to 80%6.69%6.47%
BCU BankFixed P&I Home Loanany LVR6.69%6.57%
Connective SelectConnective Select Basic Home LoanLVR up to 80%6.69%6.60%
Aussie ElevateAussie Elevate Basic Home LoanLVR up to 80%6.69%6.60%
AFG Home Loans AlphaAFG Alpha Basic Home LoanLVR up to 80%6.69%6.60%
P&N BankFixed Home Loan (P&I) LVR <80LVR up to 80%6.69%6.61%
Auswide BankHome Loan PlusLVR up to 60%6.69%6.94%
Beyond Bank AustraliaHome Buyers Scheme Home LoanLVR up to 95%6.69%7.17%
MyState BankFixed Rate LoanLVR up to 70%6.69%8.09%
INGFixed Rate LoanLVR up to 70%6.74%6.45%
RACQ Bank3 Year Fixed Home Loan Owner OccupierLVR up to 90%6.74%6.96%
Great Southern Bank3 year Fixed Rate OO P&ILVR up to 95%6.75%7.86%
Bank of ChinaFixed Rate Home Loan (With Principal and Interest Repayment)any LVR6.79%8.26%
SWSbankOptimum 3 Year Fixed Rate Home Loanany LVR6.84%6.31%
Virgin MoneyVirgin Money Lite Home LoanLVR up to 80%6.84%6.32%
ME Bank - ME GoME Bank EconoME Home LoanLVR up to 60%6.84%6.43%
Bank of QueenslandBOQ Essential Home LoanLVR up to 60%6.84%6.46%
UBankFlex - Fixed OO P&ILVR up to 80%6.84%6.72%
Bank FirstPremier Package Home Loan Owner Occupied 3 year fixed LVR <80%LVR up to 80%6.84%6.94%
Defence BankUltimate Essentials Fixedany LVR6.87%7.08%
Bank AustraliaBasic Home Loan FixedLVR up to 60%6.89%6.53%
Qudos BankFixed Rate Home LoanLVR up to 80%6.89%6.53%
ANZANZ Fixed Rate home loanLVR up to 80%6.89%7.32%
BankwestComplete Fixed Home Loan PackageLVR up to 80%6.89%7.52%
CBA3 Year Fixed Rate Home Loan (Owner Occupied)any LVR6.89%8.26%
NABNAB Tailored Home LoanLVR up to 60%6.92%7.13%
BankSAFixed Rate Home LoanLVR up to 70%6.94%7.10%
WestpacFixed Rate Home LoanLVR up to 70%6.94%7.10%
Bank of MelbourneFixed Rate Home LoanLVR up to 70%6.94%7.10%
St.George BankFixed Rate Home LoanLVR up to 70%6.94%7.10%
Central Murray BankHOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 36 months - Principal and Interestany LVR7.24%7.30%
Arab Bank AustraliaFixed Rate Home Loan (Owner Occupier)LVR up to 60%7.65%7.97%
Judo BankHome Loanany LVR9.32%9.04%

The full LVR grid, every lender by LVR band. Work out repayments at these rates.

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