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The Top 10 · Owner Occupier · Updated 13 June 2026, 5:20 am AEST
Rank
Lender & product
Rate p.a.
Comparison
LVR
Standout feature
01
Bank of China
Discount Home Loan (With Principal and Interest Repayment)
5.93%
5.97%
—
Redraw · Extra repays
Sniff this rate 05
People's Choice and Heritage
Discount Variable - Owner Occupied
5.99%
6.03%
≤80% LVR
Redraw · Extra repays
Sniff this rate 
07
Newcastle Permanent Building Society
Premium Plus Package Variable Home Loan Principal and Interest
5.99%
6.03%
≤80% LVR
Offset · Redraw
Sniff this rate 08
Hume Bank
myBlue Deposit Scheme Variable O/Occ P+I (up to 98% LVR)
5.99%
6.03%
—
Offset · Redraw
Sniff this rate 09
Bank of Queensland Limited
Economy Variable Home Loan
6.03%
6.07%
≤80% LVR
Redraw · Extra repays
Sniff this rate Rates accurate as of 13 June 2026, 5:20 am AEST. Comparison rate based on a $150,000 loan over 25 years.See all 3,715 products →
The Weekly Standouts · Issue №23
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 pickBank of ChinaBank of China sits at 5.93% — the lowest in our index this week
Bank of China continues to undercut the field with its discount home loan (with principal and interest repayment). We've checked the comparison rate and the fee structure — it stacks up.
Rate
5.93%
You could save
$3,800/yr*
Updated 13 June 2026, 5:20 am AESTTalk to a broker →
Sleeper
HSBCHSBC quietly trims to 5.94% — without the noise
HSBC's home smart (package) is the second-cheapest tracked rate this week, with no application fee.
Rate
5.94%
You could save
$2,200/yr*
Updated 13 June 2026, 5:20 am AESTTalk to a broker →
Worth a look
ING BANK (Australia) LtdING BANK (Australia) Ltd matches at 5.99% — and includes offset
Round out the top 3 with ING BANK (Australia) Ltd's orange advantage. Honest features, no annual fee surprises.
Rate
5.99%
You could save
$1,900/yr*
Updated 13 June 2026, 5:20 am AESTTalk to a broker →
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12 June
CBA Warns Low-Deposit FHBs Could End 2026 Underwater
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11 June
Rate Cycle Looks Done: What Borrowers Should Do Right Now
With CBA and NAB both forecasting no further RBA hikes, borrowers have a narrow window to review their home loan strategy before cuts arrive.
10 June
RBA Governor Clears 5% Deposit Scheme on Stability Grounds
Governor Michele Bullock told the Senate the expanded scheme poses no financial stability risk, but warns rate rises still have more work to do.
10 June
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