Rates from 5.93% p.a. One honest table, ranked by comparison rate, never by who pays. Then a real person who can get you the rate the ad doesn't mention.
Reviewed by the Ratesniffers Editorial Team, 13 Sept 2026. Investor variable from 6.09%
Not sure? Loans older than two years usually start with a 6 or a 7.
You could save about
$2,836a year
6.49% to 5.93% at Bank of China (comparison 6.11%), on $650,000 over 30 years. About $236 a month.
10 lenders below your rate, checked 13 Sept.
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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
The snapshot above is a starting point. To compare home loan rates Australia, open the full table ranked by comparison rate.
Help-to-Buy schemes, LMI waivers and starter rates curated for first-time buyers.
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Interest-only, IP-specific products from majors and challengers, with the tax angle factored.
Progressive draw-downs, land-and-build packages, owner-builder options.
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 continues to undercut the field with its Discount Home Loan Owner Occupied <=80% LVR P&I Special. We've checked the comparison rate and the fee structure, it stacks up.
SleeperBank AustraliaBank Australia's Offset Home Loan <=80% LVR Owner Occupied P&I Refinance Offer is the second-cheapest tracked rate this week, with no application fee.
Worth a lookRound out the top 3 with People First Bank's Basic Home Loan 70% - 80% LVR Owner Occupied P&I.. Honest features, no annual fee surprises.
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Amounts are rounded down to the nearest $500. Eligibility, minimum loan size and clawback periods apply. Lenders can change or withdraw offers without notice. All cashback offers
Live tables on this page move as lenders update. When you need a stable, dated 80% LVR snapshot of owner-occupier home loans, use the Ratesniffers Rate Index Report. It is free to cite with a link and carries the figures, the source date and the comparison-rate warning. See also the home loan rate index and the Australian home loan snapshot.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Every product is sorted by comparison rate, which folds most fees into the headline number. We never sell placement, so the cheapest qualifying loan sits at the top. Read how we rank rates and how we make money.
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