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Live rates across the Australian panel✦No affiliate shading — every lender shown if its rate qualifies✦85+ lenders tracked✦3,618 products in our index✦Refreshed daily✦No fees to you✦Live rates across the Australian panel✦No affiliate shading — every lender shown if its rate qualifies✦85+ lenders tracked✦3,618 products in our index✦Refreshed daily✦No fees to you✦
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The Top 10 · Owner Occupier · Updated 30 Apr 2026, 12:49 am AEST
Rank
Lender & product
Rate p.a.
Comparison
LVR
Standout feature
03
Greater Bank Limited
Discounted Great Rate Home Loan - Variable Owner Occupied
5.69%
5.70%
—
Redraw · Extra repays
Sniff this rate 07
Newcastle Permanent Building Society
Real Deal Home Loan Principal and Interest
5.74%
5.78%
≤80% LVR
Redraw · Extra repays
Sniff this rate Rates accurate as of 30 Apr 2026, 12:49 am AEST. Comparison rate based on a $150,000 loan over 25 years.See all 3,618 products →
The Weekly Standouts · Issue №17
Three rates our analysts actually rang lenders about this week.
Every Friday, our editors hand-pick the most interesting moves in the market — not the loudest. Cashbacks, cuts, and quiet sleepers.
Editor's pick
Virgin MoneyVirgin Money sits at 5.59% — the lowest in our index this week
Virgin Money continues to undercut the field with its virgin money lite home loan. We've checked the comparison rate and the fee structure — it stacks up.
Rate
5.59%
You could save
$3,800/yr*
Updated 30 Apr 2026, 12:49 am AESTTalk to a broker →
Sleeper
Horizon BankHorizon Bank quietly trims to 5.64% — without the noise
Horizon Bank's first home buyer loan is the second-cheapest tracked rate this week, with no application fee.
Rate
5.64%
You could save
$2,200/yr*
Updated 30 Apr 2026, 12:49 am AESTTalk to a broker →
Worth a lookGreater Bank LimitedGreater Bank Limited matches at 5.69% — and includes redraw
Round out the top 3 with Greater Bank Limited's discounted great rate home loan - variable owner occupied. Honest features, no annual fee surprises.
Rate
5.69%
You could save
$1,900/yr*
Updated 30 Apr 2026, 12:49 am AESTTalk to a broker →
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