Open Market Intel

Rates › Home loans › Fixed 4 years, owner occupier

Rates · Home loans

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

One row per lender: its lowest 4 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
6.39%
Police Credit Union
Median rate
6.79%
of each lender's best, 44 lenders
Lenders
44
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 (44)

LenderProductApplies atRateComparison rate
Police Credit Union4 Year Fixed Rate Home Loan 95% LVR - First Home BuyerLVR up to 95%6.39%6.99%
Greater BankUltimate Packaged Home Loan - Fixed 4 Year Owner Occupiedany LVR6.49%7.72%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate Home Loan Principal and InterestLVR up to 80%6.49%7.78%
Southern Cross Credit UnionBroker Home LoanLVR up to 95%6.54%6.50%
DnisterPremier HL Fixed Interest Rateany LVR6.55%6.73%
Hume BankmyBlue 4 Year Fix O/Occ P+I (up to 60% LVR)LVR up to 60%6.59%6.43%
Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)LVR up to 60%6.62%6.34%
Summerland BankFixed Rate LoanLVR up to 60%6.62%6.66%
Macquarie BankMacquarie Basic Home LoanLVR up to 70%6.64%6.44%
UpUp Home Loanany LVR6.65%6.36%
Unity BankFixed Rate Home Loan - Owner Occupier - P&I - 48 mthsany LVR6.65%6.74%
Tiimely HomeTiimely Basic Home LoanLVR up to 80%6.69%6.44%
Bendigo BankBendigo Express Home Loanany LVR6.69%6.47%
IMB Bank4 year Fixed Rate Home LoanLVR up to 95%6.69%6.65%
QBank4 Year Fixed Home LoanLVR up to 95%6.69%7.73%
bankWAWFlexible Choice Owner OccupiedLVR up to 60%6.70%6.93%
Qantas Money Home LoansQANTAS Money Basic Home LoanLVR up to 80%6.74%6.58%
BCU BankFixed P&I Home Loanany LVR6.74%6.60%
P&N BankFixed Home Loan (P&I) LVR <80LVR up to 80%6.74%6.64%
NRMA Home LoansNRMA Basic Home LoanLVR up to 80%6.79%6.54%
BankVicFixed Rate Home Loan - 4 yearsany LVR6.79%6.56%
Connective SelectConnective Select Basic Home LoanLVR up to 80%6.79%6.65%
Aussie ElevateAussie Elevate Basic Home LoanLVR up to 80%6.79%6.65%
AFG Home Loans AlphaAFG Alpha Basic Home LoanLVR up to 80%6.79%6.65%
Bank FirstPremier Package Home Loan Owner Occupied 4 year fixed LVR <80%LVR up to 80%6.79%6.95%
Bank of ChinaFixed Rate Home Loan (With Principal and Interest Repayment)any LVR6.79%8.11%
INGFixed Rate LoanLVR up to 70%6.84%6.52%
Beyond Bank AustraliaTotal Home Loan PackageLVR up to 80%6.84%7.21%
Defence BankUltimate Essentials Fixedany LVR6.87%7.06%
ANZANZ Fixed Rate home loanLVR up to 80%6.89%7.27%
CBA4 Year Fixed Rate Home Loan (Owner Occupied)any LVR6.89%8.14%
NABNAB Tailored Home LoanLVR up to 70%6.92%7.12%
People's Choice and HeritageFixed Home LoanLVR up to 95%6.94%6.57%
BankwestComplete Fixed Home Loan PackageLVR up to 80%6.94%7.51%
Virgin MoneyVirgin Money Lite Home LoanLVR up to 70%6.99%6.44%
ME Bank - ME GoME Bank EconoME Home LoanLVR up to 60%6.99%6.53%
Bank of QueenslandBOQ Essential Home LoanLVR up to 60%6.99%6.56%
Qudos BankFixed Rate Home LoanLVR up to 80%6.99%6.61%
BankSAFixed Rate Home LoanLVR up to 70%7.09%7.18%
WestpacFixed Rate Home LoanLVR up to 70%7.09%7.18%
Bank of MelbourneFixed Rate Home LoanLVR up to 70%7.09%7.18%
St.George BankFixed Rate Home LoanLVR up to 70%7.09%7.18%
Arab Bank AustraliaFixed Rate Home Loan (Owner Occupier)LVR up to 60%7.90%8.03%
Judo BankHome Loanany LVR9.48%9.14%

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

Every home loan · other markets · an email the morning a rate moves.