{"schemaVersion":1,"name":"Ratesniffers matched two-year fixed and variable home loan rates","url":"https://ratesniffers.com.au/compare/fixed-vs-variable-this-month#same-lender-fixed-variable","publisher":"Ratesniffers","sourceAsOf":"2026-11-09T00:00:00.000Z","scope":"Australian owner-occupier principal-and-interest loans at 80% LVR, comparing a two-year fixed product with a variable product within each lender in the verified sample.","method":"Select the exact product with the lowest publishable comparison rate for each lender and rate type. Break ties by interest rate and then product name. Include only lenders with both rows and subtract the selected variable comparison rate from the selected two-year fixed comparison rate.","loanPurpose":"OWNER_OCCUPIED","repaymentType":"PRINCIPAL_AND_INTEREST","fixedTermMonths":24,"lvrPercent":80,"units":"basis points","comparisonRateBasis":{"amountAud":150000,"termYears":25},"comparisonRateWarning":"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.","fixedLenders":23,"variableLenders":23,"summary":{"medianBps":51.5,"minBps":-8,"maxBps":168,"higher":10,"same":0,"lower":2},"sourceEvidence":{"reviewedAt":"2026-11-11T07:46:49Z","checks":[{"lenderSlug":"queensland-country-bank","lenderName":"Queensland Country Bank","productName":"Special Package Variable Owner Occupied <80% LVR P&I","fixedTermMonths":null,"sourceUrl":"https://www.queenslandcountry.bank/banking/home-loans/variable-home-loans/ultimate-home-loan-package-variable/","status":"withheld","reason":"tier-boundary"},{"lenderSlug":"the-capricornian","lenderName":"The Capricornian","productName":"No Frills Home Loan Owner Occupied <80% LVR","fixedTermMonths":null,"sourceUrl":"https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/","status":"corrected"},{"lenderSlug":"bcu-bank","lenderName":"BCU Bank","productName":"OMG Home Loan Owner Occupied 60% - 80% LVR P&I","fixedTermMonths":null,"sourceUrl":"https://www.bcu.com.au/help-centre/interest-rates/home-loan-interest-rates/","status":"withheld","reason":"tier-boundary"},{"lenderSlug":"people-first-bank","lenderName":"People First Bank","productName":"Basic Home Loan 70% - 80% LVR Owner Occupied P&I.","fixedTermMonths":null,"checkedAt":"2026-11-11T07:46:49Z","sourceUrl":"https://www.peoplefirstbank.com.au/loans/home-loans/owner-occupier-home-loans/basic-variable-home-loan","status":"corrected"},{"lenderSlug":"qbank","lenderName":"QBANK","productName":"Classic Owner Occupied 70% - 80% LVR Special","fixedTermMonths":null,"sourceUrl":"https://www.qbank.com.au/loans-credit-cards/home-loans/owner-occupier/","status":"withheld","reason":"tier-boundary"},{"lenderSlug":"hume-bank","lenderName":"Hume Bank","productName":"liteBlue Variable 60% - 80% LVR Owner Occupied P&I","fixedTermMonths":null,"sourceUrl":"https://www.humebank.com.au/interest-rates/","status":"checked"},{"lenderSlug":"macquarie-bank-limited","lenderName":"Macquarie Bank Limited","productName":"Offset Home Loan Package 70% - 80% LVR Owner Occupied P&I","fixedTermMonths":null,"sourceUrl":"https://www.macquarie.com.au/home-loans/home-loan-rates.html","status":"corrected"},{"lenderSlug":"queensland-country-bank","lenderName":"Queensland Country Bank","productName":"2 Year Fixed Rate Package Owner Occupied <80% LVR P&I Special","fixedTermMonths":24,"sourceUrl":"https://www.queenslandcountry.bank/banking/home-loans/fixed-home-loans/ultimate-home-loan-package-fixed/","status":"withheld","reason":"tier-boundary"},{"lenderSlug":"hume-bank","lenderName":"Hume Bank","productName":"myBlue 2 Year Fixed 60% - 80% LVR Owner Occupied P&I","fixedTermMonths":24,"sourceUrl":"https://www.humebank.com.au/fixed-rate-2-year-discount-2026/","status":"withheld","reason":"offer-ended"},{"lenderSlug":"qbank","lenderName":"QBANK","productName":"2 Year Fixed Rate Owner Occupied P&I","fixedTermMonths":24,"sourceUrl":"https://www.qbank.com.au/loans-credit-cards/home-loans/owner-occupier/","status":"corrected"},{"lenderSlug":"macquarie-bank-limited","lenderName":"Macquarie Bank Limited","productName":"Macquarie Offset Home Loan","fixedTermMonths":24,"sourceUrl":"https://www.macquarie.com.au/home-loans/home-loan-rates.html","status":"corrected"}]},"pairs":[{"lenderSlug":"anz","lenderName":"ANZ","fixed":{"productName":"2 Year Fixed <80% LVR Owner Occupied P&I","interestRateBps":674,"comparisonRateBps":734},"variable":{"productName":"Simplicity Plus 70% - 80% LVR Owner Occupied P&I","interestRateBps":679,"comparisonRateBps":679},"comparisonGapBps":55},{"lenderSlug":"australian-military-bank","lenderName":"Australian Military Bank","fixed":{"productName":"DHOAS 2 Year Fixed Owner Occupied P&I","interestRateBps":644,"comparisonRateBps":695},"variable":{"productName":"DHOAS RateSaver 70% - 80% LVR Owner Occupied P&I","interestRateBps":644,"comparisonRateBps":647},"comparisonGapBps":48},{"lenderSlug":"auswide-bank-ltd","lenderName":"Auswide Bank Ltd","fixed":{"productName":"Package Discount Fixed (L1) 2 Year Owner Occupied 70% - 80% LVR P&I","interestRateBps":669,"comparisonRateBps":693},"variable":{"productName":"Basic Home Loan 70% - 80% LVR Owner Occupied P&I","interestRateBps":644,"comparisonRateBps":646},"comparisonGapBps":47},{"lenderSlug":"beyond-bank-australia","lenderName":"Beyond Bank Australia","fixed":{"productName":"Total Home Loan Package 2 Year Fixed $50k+ <=80% LVR Owner Occupied P&I","interestRateBps":659,"comparisonRateBps":719},"variable":{"productName":"Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied","interestRateBps":639,"comparisonRateBps":642},"comparisonGapBps":77},{"lenderSlug":"commbank","lenderName":"CommBank","fixed":{"productName":"MAV 2 Year Fixed Owner Occupied P&I","interestRateBps":682,"comparisonRateBps":809},"variable":{"productName":"Simple Home Loan 70% - 80% LVR Owner Occupied P&I","interestRateBps":674,"comparisonRateBps":687},"comparisonGapBps":122},{"lenderSlug":"credit-union-sa","lenderName":"Credit Union SA","fixed":{"productName":"2-Year Fixed 40 Year Home Loan Package","interestRateBps":634,"comparisonRateBps":666},"variable":{"productName":"Package Variable <80% LVR Owner Occupied P&I Special","interestRateBps":634,"comparisonRateBps":670},"comparisonGapBps":-4},{"lenderSlug":"great-southern-bank","lenderName":"Great Southern Bank","fixed":{"productName":"2 Year Fixed Owner Occupied P&I","interestRateBps":675,"comparisonRateBps":798},"variable":{"productName":"Basic Variable 70% - 80% LVR Owner Occupied P&I","interestRateBps":649,"comparisonRateBps":653},"comparisonGapBps":145},{"lenderSlug":"macquarie-bank-limited","lenderName":"Macquarie Bank Limited","fixed":{"productName":"Macquarie Offset Home Loan","interestRateBps":664,"comparisonRateBps":665},"variable":{"productName":"Offset Home Loan Package 70% - 80% LVR Owner Occupied P&I","interestRateBps":634,"comparisonRateBps":659},"comparisonGapBps":6},{"lenderSlug":"mystate-bank","lenderName":"MyState Bank","fixed":{"productName":"2 Year Standard Fixed 70% - 80% LVR Owner Occupied P&I","interestRateBps":669,"comparisonRateBps":823},"variable":{"productName":"Special Residential 70% - 80% LVR Owner Occupied P&I","interestRateBps":644,"comparisonRateBps":655},"comparisonGapBps":168},{"lenderSlug":"national-australia-bank","lenderName":"National Australia Bank","fixed":{"productName":"Tailored Home Loan Standard 2 Year Fixed Owner Occupied 70% - 80% LVR P&I","interestRateBps":681,"comparisonRateBps":728},"variable":{"productName":"Tailored Home Loan Standard Variable Owner Occupied 70% - 80% LVR P&I","interestRateBps":724,"comparisonRateBps":736},"comparisonGapBps":-8},{"lenderSlug":"the-capricornian","lenderName":"The Capricornian","fixed":{"productName":"Lifestyle Home Loan 2 Year Fixed Owner Occupied <80% LVR","interestRateBps":624,"comparisonRateBps":684},"variable":{"productName":"No Frills Home Loan Owner Occupied <80% LVR","interestRateBps":624,"comparisonRateBps":629},"comparisonGapBps":55},{"lenderSlug":"westpac","lenderName":"Westpac","fixed":{"productName":"Premier Advantage 2 Year Fixed Owner Occupied 70% - 80% LVR P&I","interestRateBps":684,"comparisonRateBps":712},"variable":{"productName":"Rocket Home Loan Premier Advantage 70% - 80% LVR $150k+ P&I","interestRateBps":674,"comparisonRateBps":710},"comparisonGapBps":2}]}