Compare Home Loan Rates
CANSTAR offers a free rate comparison service updated daily, to help you to easily compare rates and save money on some of the best home loans, credit cards, savings accounts, term deposits, personal loans and more. Select a product type from the list below to view current rates and find the top products.
Compare Home Loans at RateCity.com.au. Use their search tools to sort products by best interest rates, star ratings or lender and apply online.
|
| 29-Jan-2012 | Owner Occupied | Investment | Line of Credit | Equity | Apply at RateCity | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Institution | Std Var | Basic Var | 1 year fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | Std Var | Basic Var | 1 years fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | |||
| A M O Group | 6.58 | - | 6.39 | 6.49 | 6.59 | 6.99 | 6.58 | - | 6.39 | 6.49 | 6.59 | 6.99 | 6.68 | - |  |
| ADCU | 7.04 | 6.69 | - | - | - | - | 7.04 | - | - | - | - | - | 7.29 | - | |
| Adelaide Bank | 6.64 | 6.54 | 6.26 | 6.37 | 6.49 | 6.89 | 6.64 | 6.54 | 6.26 | 6.37 | 6.49 | 6.89 | - | - | |
| AIMS Home Loans | 7.40 | 7.22 | 6.30 | 6.27 | 6.33 | 6.69 | 7.40 | 7.22 | 6.30 | 6.27 | 6.33 | 6.69 | - | - | |
| AMP Banking | 7.32 | 6.35 | 6.09 | 5.99 | 5.99 | 6.69 | 7.32 | 6.35 | 6.09 | 5.99 | 5.99 | 6.69 | 7.52 | - | |
| ANZ | 7.30 | 6.50 | 6.19 | 5.95 | 6.29 | 6.79 | 7.30 | 6.50 | 6.19 | 5.95 | 6.29 | 6.79 | 7.20 | - | |
| Arab Bank Australia | 7.80 | 6.84 | 6.69 | 6.49 | 6.49 | 6.99 | 7.80 | 6.84 | 6.69 | 6.49 | 6.49 | 6.99 | 7.80 | - | |
| Assured Home Loans | 6.49 | - | - | - | - | - | 6.49 | - | - | - | - | - | - | - | |
| Aussie Home Loans | 6.45 | - | 5.99 | 5.99 | 5.99 | 6.69 | 6.45 | - | 5.99 | 5.99 | 5.99 | 6.69 | 6.49 | - | |
| Austral Mortgage | 6.89 | - | 6.21 | 6.38 | 6.54 | 6.94 | 6.89 | - | 6.21 | 6.38 | 6.54 | 6.94 | 6.99 | - | |
| B & E Personal Banking | 6.72 | - | 6.99 | 6.49 | 6.49 | 7.19 | 6.72 | - | 6.99 | 6.49 | 6.49 | 7.19 | - | - | |
| Bank of Cyprus Australia | 7.25 | 7.25 | 6.60 | 6.58 | 6.68 | 7.09 | 7.25 | 7.25 | 6.60 | 6.58 | 6.68 | 7.09 | 7.40 | - | |
| Bank of Melbourne | 7.30 | 6.63 | 6.29 | 6.14 | 6.24 | 6.84 | 7.30 | 6.63 | 6.29 | 6.14 | 6.24 | 6.84 | 7.40 | - | |
| bankmecu | 6.58 | 6.58 | 5.99 | 6.29 | 6.39 | - | 6.58 | 6.58 | 5.99 | 6.29 | 6.39 | - | 7.04 | - | |
| BankSA | 7.30 | 6.63 | 6.29 | 6.14 | 6.24 | 6.84 | 7.30 | 6.63 | 6.29 | 6.14 | 6.24 | 6.84 | 7.40 | - | |
| Bankstown City CU | 6.73 | 6.44 | - | - | - | - | 6.73 | 6.44 | - | - | - | - | - | - | |
| Bankwest | 7.20 | 6.29 | 6.19 | 6.19 | 6.29 | 6.99 | 7.20 | 6.29 | 6.19 | 6.19 | 6.29 | 6.99 | 7.18 | - | |
| bcu | 6.45 | - | 6.19 | 6.19 | 6.19 | 6.69 | 6.45 | - | 6.19 | 6.19 | 6.19 | 6.69 | 6.45 | - | |
| Beirut Hellenic Bank | 6.64 | - | 6.45 | 6.50 | 6.60 | - | 6.64 | - | 6.45 | 6.50 | 6.60 | - | 9.18 | - | |
| Bendigo Bank | 7.30 | - | 6.29 | 6.24 | 6.34 | 6.89 | 7.30 | - | 6.29 | 6.24 | 6.34 | 6.89 | 7.40 | - | |
| BMC Mortgage | 6.85 | - | - | - | - | - | 6.85 | - | - | - | - | - | 7.18 | - | |
| BOQ | 7.36 | 6.78 | 6.19 | 6.19 | 5.99 | 6.89 | 7.36 | 6.78 | 6.19 | 6.19 | 5.99 | 6.89 | 7.71 | - | |
| CairnsPenny Savings&Loan | 6.85 | - | 6.35 | 6.35 | 6.40 | - | 6.85 | - | 6.35 | 6.35 | 6.40 | - | 6.85 | - | |
| Catalyst Mutual | 6.45 | 6.32 | 6.19 | 6.14 | 6.24 | 6.64 | 6.45 | 6.32 | 6.19 | 6.14 | 6.24 | 6.64 | 7.02 | - | |
| Citibank | 7.52 | 6.52 | 5.85 | 5.80 | 5.75 | 6.40 | 7.52 | 6.52 | 5.85 | 5.80 | 5.75 | 6.40 | 7.89 | - | |
| Coastline Credit Union | 6.39 | - | 6.39 | 6.39 | - | - | 6.84 | - | 6.39 | 6.39 | - | - | 6.84 | - | |
| Collins Home Loans | 6.47 | - | 6.61 | 7.30 | 6.84 | 7.24 | 6.47 | - | 6.61 | 7.30 | 6.84 | 7.24 | 6.89 | - | |
| Commonwealth Bank | 7.31 | 6.61 | 6.48 | 6.19 | 6.48 | 6.89 | 7.31 | 6.61 | 6.48 | 6.19 | 6.48 | 6.89 | 7.39 | - | |
| Community CPS Australia | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.29 | - | |
| Community First CU | 7.15 | 6.59 | 6.29 | 6.29 | 6.29 | - | 7.15 | 6.59 | 6.29 | 6.29 | 6.29 | - | - | - | |
| 29-Jan-2012 | Owner Occupied | Investment | Line of Credit | Equity | Apply at RateCity | ||||||||||
| Institution | Std Var | Basic Var | 1 year fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | Std Var | Basic Var | 1 years fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | |||
| Community Mutual Group | 6.89 | - | 6.29 | 6.29 | 6.44 | 6.94 | 6.89 | - | 6.29 | 6.29 | 6.44 | 6.94 | - | - | |
| Companion CU | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.29 | - | |
| Credit Union SA | 6.97 | 6.67 | 6.12 | 6.24 | 6.39 | - | 6.97 | 6.67 | 6.12 | 6.24 | 6.39 | - | 6.97 | - | |
| CUA | 6.72 | 6.54 | 6.10 | 6.06 | 5.99 | 6.69 | 6.72 | 6.54 | 6.10 | 6.06 | 5.99 | 6.69 | 6.97 | - | |
| Defence Force CU | 7.14 | 7.04 | - | 7.09 | 7.09 | - | - | - | - | - | - | - | 7.14 | - | |
| Easy Street Fin Services | - | 6.59 | - | 6.29 | 6.29 | - | - | 6.59 | - | 6.29 | 6.29 | - | - | - | |
| ECU Australia | 7.00 | - | 6.19 | 6.19 | 6.35 | 7.09 | 7.00 | - | 6.19 | 6.19 | 6.35 | 7.09 | 7.00 | - | |
| eMoney | 6.08 | - | - | 6.02 | 6.04 | 7.05 | 6.08 | - | - | 6.02 | 6.04 | 7.05 | 6.49 | - | |
| Encompass Credit Union | 6.95 | - | 6.20 | 6.20 | 6.20 | 6.90 | 6.95 | - | 6.20 | 6.20 | 6.20 | 6.90 | 7.25 | - | |
| FCCS Credit Union | 6.69 | - | 6.00 | 6.00 | 6.10 | 6.35 | 6.69 | - | 6.00 | 6.00 | 6.10 | 6.35 | - | - | |
| First Option CU | 7.06 | - | 6.80 | 6.85 | 6.80 | - | 7.06 | - | 6.80 | 6.85 | 6.80 | - | - | - | |
| Gateway Credit Union | 6.45 | 6.48 | 6.37 | 6.37 | 6.37 | - | 6.45 | 6.48 | 6.37 | 6.37 | 6.37 | - | 6.99 | - | |
| Greater Building Society | 6.80 | 6.44 | 5.80 | 5.99 | 6.20 | 6.65 | 6.80 | 6.44 | 5.80 | 5.99 | 6.20 | 6.65 | 7.15 | - | |
| Hemisphere Financial | 6.44 | - | 6.15 | 6.15 | 6.26 | 6.72 | 6.44 | - | 6.15 | 6.15 | 6.26 | 6.72 | - | - | |
| Heritage Bank | 6.94 | 6.35 | 5.90 | 5.95 | 5.95 | 6.39 | 6.94 | 6.35 | 5.90 | 5.95 | 5.95 | 6.39 | 7.01 | - | |
| Holiday Coast CU | 6.85 | - | 6.59 | 5.99 | 6.19 | 6.74 | 7.00 | - | 6.59 | 5.99 | 6.19 | 6.74 | - | - | |
| Homeloans | 6.54 | - | 6.29 | 6.19 | 6.19 | 6.79 | 6.54 | - | 6.29 | 6.19 | 6.19 | 6.79 | 6.64 | - | |
| HomeSide Lending | 7.25 | - | 6.14 | 6.14 | 6.24 | 6.74 | 7.25 | - | 6.14 | 6.14 | 6.24 | 6.74 | 7.43 | - | |
| Homestar Finance | 6.46 | - | 5.95 | 5.95 | 5.95 | 6.45 | 6.46 | - | 5.95 | 5.95 | 5.95 | 6.45 | - | - | |
| Horizon Credit Union | 6.45 | 6.70 | 5.99 | 6.19 | 6.29 | 6.99 | 6.45 | 6.70 | 5.99 | 6.19 | 6.29 | 6.99 | 7.10 | - | |
| HSBC | 7.24 | 6.63 | 6.09 | 6.09 | 6.29 | 6.65 | 7.24 | 6.63 | 6.09 | 6.09 | 6.29 | 6.65 | 7.32 | - | |
| Hume Building Society | 6.85 | 6.55 | 6.25 | 6.20 | 6.30 | 6.75 | 6.85 | 6.55 | 6.25 | 6.20 | 6.30 | 6.75 | 6.95 | - | |
| Hunter United Credit Un | 6.90 | 6.50 | - | - | - | - | 6.90 | 6.50 | - | - | - | - | 7.24 | - | |
| Illawarra CU NSW | 6.45 | 6.32 | 6.19 | 6.14 | 6.24 | 6.64 | 6.45 | 6.32 | 6.19 | 6.14 | 6.24 | 6.64 | 7.02 | - | |
| Illawarra Home Loans | 6.18 | 6.55 | - | - | - | - | 6.18 | - | - | - | - | - | 6.18 | - | |
| IMB | 7.00 | 6.32 | 6.19 | 6.09 | 6.19 | 6.79 | 7.00 | 6.32 | 6.19 | 6.09 | 6.19 | 6.79 | 7.20 | - | |
| ING DIRECT | 6.74 | 6.62 | 5.99 | 5.99 | 5.99 | 6.49 | 6.74 | 6.62 | 5.99 | 5.99 | 5.99 | 6.49 | 7.22 | - | |
| Intech Credit Union | 7.06 | - | - | - | - | - | 7.06 | - | - | - | - | - | 7.32 | - | |
| Liberty Financial | 6.49 | 6.49 | - | - | - | - | 6.49 | 6.49 | - | - | - | - | - | - | |
| Lifeplan Funds Managemnt | 6.99 | - | 6.34 | 6.39 | 6.39 | 6.89 | 6.99 | - | 6.34 | 6.39 | 6.39 | 6.89 | - | - | |
| 29-Jan-2012 | Owner Occupied | Investment | Line of Credit | Equity | Apply at RateCity | ||||||||||
| Institution | Std Var | Basic Var | 1 year fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | Std Var | Basic Var | 1 years fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | |||
| LJ Hooker Finance | 6.39 | - | - | 5.89 | 5.89 | 6.65 | 6.39 | - | - | 5.89 | 5.89 | 6.65 | 6.69 | - | |
| loans.com.au | 6.13 | - | - | 5.99 | - | - | 6.13 | - | - | 5.99 | - | - | - | - | |
| Macarthur Credit Union | 6.95 | - | 6.19 | 6.39 | - | - | 6.95 | - | 6.19 | 6.39 | - | - | - | - | |
| Macquarie Bank | 6.39 | 6.49 | 5.99 | 5.99 | 5.99 | 6.69 | 6.39 | 6.49 | 5.99 | 5.99 | 5.99 | 6.69 | 7.30 | - | |
| Macquarie Credit Union | 6.71 | 6.46 | - | - | - | - | 6.71 | 6.46 | - | - | - | - | - | - | |
| Maitland Mutual BS | 6.94 | 6.59 | 5.94 | 6.19 | 6.29 | - | 6.94 | 6.59 | 5.94 | 6.19 | 6.29 | - | 7.10 | - | |
| Maritime Mining & Power | 6.69 | 6.69 | 6.33 | 6.18 | 6.28 | 6.88 | 6.69 | - | 6.33 | 6.18 | 6.28 | 6.88 | 7.02 | - | |
| ME Bank | 6.74 | - | 5.99 | - | 6.19 | 6.69 | 6.74 | - | 5.99 | - | 6.19 | 6.69 | - | - | |
| Memberfirst Credit Union | 7.09 | - | 6.50 | 6.30 | 6.17 | - | 7.09 | - | 6.50 | 6.30 | 6.17 | - | - | - | |
| Mortgage HOUSE | 6.30 | 6.44 | 6.17 | 6.28 | 6.40 | 6.80 | 6.30 | 6.44 | 6.17 | 6.28 | 6.40 | 6.80 | 6.39 | 6.44 | |
| Mortgageport Management | 6.19 | - | - | 6.97 | - | - | 6.19 | - | - | 6.97 | - | - | - | - | |
| MyRate | 6.35 | - | 6.05 | 6.05 | 6.05 | 6.55 | 6.35 | - | 6.05 | 6.05 | 6.05 | 6.55 | 7.00 | - | |
| MyState | 6.88 | - | 6.59 | 6.49 | 6.64 | 7.15 | 6.88 | - | 6.59 | 6.49 | 6.64 | 7.15 | 7.25 | - | |
| nab | 7.22 | 6.72 | 6.24 | 6.24 | 6.34 | 6.84 | 7.22 | 6.72 | 6.24 | 6.24 | 6.34 | 6.84 | 6.70 | - | |
| Newcastle Permanent | 6.87 | 6.47 | 5.79 | 5.79 | 6.14 | 6.64 | 6.87 | 6.47 | 5.79 | 5.79 | 6.14 | 6.64 | 7.07 | - | |
| Northern Beaches CU | 7.09 | 6.59 | 7.09 | - | 6.04 | - | 7.09 | 6.59 | 7.09 | - | 6.04 | - | - | - | |
| Pacific Mortgage Group | 6.16 | - | - | 5.94 | 5.95 | 6.47 | 6.16 | - | - | 5.94 | 5.95 | 6.47 | 6.44 | - | |
| People's Choice Credit Union | 7.20 | 6.43 | 6.14 | 6.14 | 6.29 | 6.89 | 7.20 | 6.43 | 6.14 | 6.14 | 6.29 | 6.89 | 7.30 | - | |
| Police Credit | 6.79 | - | 5.99 | 5.99 | 6.24 | 6.94 | 6.79 | - | 5.99 | 5.99 | 6.24 | 6.94 | 6.79 | - | |
| Police Credit Union | 6.91 | - | - | - | 6.29 | 7.28 | 6.91 | - | - | - | 6.29 | 7.28 | 6.97 | - | |
| Police&NursesMut Banking | 6.84 | 6.49 | - | - | 5.95 | 6.50 | - | - | - | - | - | - | 7.34 | - | |
| Qantas Staff CU | 6.49 | - | 6.59 | 6.59 | 6.59 | - | 6.49 | - | 6.59 | 6.59 | 6.59 | - | 6.79 | - | |
| Qld Police Credit Union | 6.44 | 6.54 | 6.19 | - | 5.99 | 6.59 | 6.44 | 6.54 | 6.19 | - | 5.99 | 6.59 | - | - | |
| Qld Professional CU | 7.00 | - | - | - | - | - | 7.00 | - | - | - | - | - | - | - | |
| QT Mutual Bank | 7.20 | 7.10 | 5.99 | 5.99 | 5.99 | - | 7.20 | 7.10 | 5.99 | 5.99 | 5.99 | - | 7.40 | - | |
| Quay Credit Union | 6.59 | 6.39 | 6.39 | 6.59 | - | - | 6.59 | 6.39 | 6.39 | 6.59 | - | - | - | - | |
| Queensland Country Credit Union | 7.09 | - | 6.25 | 6.14 | - | - | 7.09 | - | 6.25 | 6.14 | - | - | 6.99 | - | |
| Queenslanders CU | 6.45 | - | - | - | - | - | 6.68 | - | - | - | - | - | 7.24 | - | |
| Railways Credit Union | 6.30 | - | - | - | - | - | 6.85 | - | - | - | - | - | 6.85 | - | |
| RAMS Home Loans | 7.18 | - | 5.95 | 5.95 | 6.09 | 6.69 | 7.18 | 6.49 | 5.95 | 5.95 | 6.09 | 6.69 | 7.28 | - | |
| 29-Jan-2012 | Owner Occupied | Investment | Line of Credit | Equity | Apply at RateCity | ||||||||||
| Institution | Std Var | Basic Var | 1 year fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | Std Var | Basic Var | 1 years fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | |||
| Rate Busters | 6.36 | - | - | - | - | - | 6.36 | - | - | - | - | - | - | - | |
| RESI Mortgage Corp | 6.49 | - | 6.19 | 5.95 | 6.23 | 6.94 | 6.49 | - | 6.19 | 5.95 | 6.23 | 6.94 | 7.10 | - | |
| RTA Staff CU | 7.14 | 6.89 | 6.54 | - | - | - | 7.14 | 6.89 | 6.54 | - | - | - | - | - | |
| SCU | 7.10 | 6.59 | - | 6.09 | 6.19 | 6.75 | 7.10 | 6.59 | - | 6.09 | 6.19 | 6.75 | 7.10 | - | |
| Select Credit Union | 6.64 | - | - | - | 6.17 | - | 6.64 | - | - | - | 6.17 | - | 6.84 | - | |
| SERVICE ONE Members Bank | 7.10 | 6.70 | 6.35 | 6.15 | 6.40 | 6.85 | 7.10 | - | 6.35 | 6.15 | 6.40 | 6.85 | 7.55 | - | |
| SGE Credit Union | 6.78 | - | 5.99 | 5.99 | 6.19 | 6.79 | 6.78 | - | 5.99 | 5.99 | 6.19 | 6.79 | - | - | |
| St George Bank | 7.30 | 6.63 | 6.29 | 6.14 | 6.24 | 6.84 | 7.30 | 6.63 | 6.29 | 6.14 | 6.24 | 6.84 | 7.40 | - | |
| State Custodians | 6.22 | 6.47 | 7.26 | 7.44 | 6.39 | 7.92 | 6.22 | 6.47 | 7.26 | 7.44 | 6.39 | 7.92 | 6.22 | - | |
| Summerland CU | 6.66 | - | 6.19 | 6.35 | 6.29 | 6.89 | 6.66 | - | 6.19 | 6.35 | 6.29 | 6.89 | - | - | |
| Suncorp Bank | 7.33 | 6.75 | 6.15 | 5.98 | 6.14 | 6.95 | 7.33 | 6.75 | 6.15 | 5.98 | 6.14 | 6.95 | 7.33 | - | |
| Sutherland Credit Union | 6.80 | 6.65 | - | - | - | - | 6.80 | 6.65 | - | - | - | - | - | - | |
| Teachers Credit Union | 6.39 | 6.79 | 6.18 | 6.18 | 6.35 | - | 6.39 | - | 6.18 | 6.18 | 6.35 | - | - | - | |
| The Capricornian | 7.35 | - | - | - | 6.55 | 7.25 | 7.35 | - | - | - | 6.55 | 7.25 | 7.39 | - | |
| The Rock Building Soc | 6.49 | 6.81 | 6.09 | 6.09 | 5.95 | 6.69 | 6.49 | 6.81 | 6.09 | 6.09 | 5.95 | 6.69 | 6.74 | - | |
| TIO Banking | 7.26 | - | 6.14 | 6.14 | 6.29 | 6.79 | 7.26 | - | 6.14 | 6.14 | 6.29 | 6.79 | - | - | |
| UBank | 6.14 | - | 5.93 | - | 5.98 | 6.84 | 6.14 | - | 5.93 | - | 5.98 | 6.84 | - | - | |
| Unicredit-WA | 6.60 | - | 6.05 | 6.05 | 6.20 | 6.70 | 6.60 | - | 6.05 | 6.05 | 6.20 | 6.70 | 6.95 | - | |
| United Community | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.29 | - | |
| V Plus Home Loans | 6.14 | 6.20 | 5.84 | 5.84 | 6.09 | 6.54 | 6.14 | 6.20 | 5.84 | 5.84 | 6.09 | 6.54 | - | - | |
| Victoria Teachers CU | 6.99 | 6.49 | 6.09 | 6.09 | 6.33 | 6.74 | 6.79 | 6.49 | 6.09 | 6.09 | 6.33 | 6.74 | 7.04 | - | |
| Wagga Mutual Credit Un | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.14 | 6.44 | 6.29 | 6.29 | 6.29 | 6.89 | 7.29 | - | |
| Westpac | 7.36 | 6.66 | 6.39 | 6.39 | 6.39 | 6.89 | 7.36 | 6.66 | 6.39 | 6.39 | 6.39 | 6.89 | 7.51 | - | |
| Yellow Brick Road | 6.44 | 6.48 | 6.37 | 6.37 | 6.37 | - | 6.44 | 6.48 | 6.37 | 6.37 | 6.37 | - | 6.99 | - | |
| Institution | Std Var | Basic Var | 1 year fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | Std Var | Basic Var | 1 year fixed/cap | 2 years fixed | 3 years fixed | 5 years fixed | Line of Credit | Equity | Apply at RateCity |
| 29-Jan-2012 | |||||||||||||||
The information in this table is provided as a guide only and may not be complete for your purposes. Rates listed in this table are based on Mortgage amounts valued at $250,000 or more. Neither CANSTAR nor the Providers warrants the accuracy of any information and you should confirm it with the Provider before acting on it. Except for responsibilities implied by law which cannot be excluded, neither CANSTAR nor the Provider is responsible for any loss, damage, cost or expense incurred by you as a result of any error, omission, or misrepresentation in relation to the data herein
IMPORTANT NOTE: The AAPR for mortgage products forming part of a package is updated once each business day prior to business hours. Rate changes notified to CANSTAR during a business day will not be reflected in AAPR for mortgages forming part of a package until the following morning's update. Rates and AAPR for all other mortgage products are updated after notification is received by CANSTAR from the relevant financial institution.
