Rates from 6.18% 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, 1 Nov 2026. Investor variable from 6.38%
RBA update The Reserve Bank lifted the cash rate to 4.60% on 29 September 2026. Some lenders have not yet passed the increase on, so some rates shown may still move. Speak to a broker for the latest rates
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Not sure? Loans older than two years usually start with a 6 or a 7.
You could save about
$1,579a year
6.49% to 6.18% at Bank of China (comparison 6.36%), on $650,000 over 30 years. About $132 a month.
10 lenders below your rate, checked 1 Nov.
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.
Switching could save the average borrower thousands a year. Run the numbers with us.
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.
SleeperQueensland Country BankQueensland Country Bank's Special Package Variable Owner Occupied <80% LVR P&I is the second-cheapest tracked rate this week, with no application fee.
Worth a lookThe CapricornianRound out the top 3 with The Capricornian's No Frills Home Loan Owner Occupied <80% LVR. Honest features, no annual fee surprises.
Estimate principal and interest payments on any loan size.
How much could you actually borrow at today's rates?
State-by-state duty, concessions and FHB exemptions.
Compare your current loan against the index median.
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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. For the picks themselves, the best home loan rates page ranks one verified product per loan type and the cheapest home loans page sorts the whole 80% LVR snapshot by comparison rate. Situation pages cover low doc home loans for the self-employed, low deposit home loans and offset home loans.
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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