Compare home loan rates by your scenario
Pick the situation that matches you and see the lowest current rates for it across 85+ Australian lenders, refreshed daily and ranked by comparison rate. Every page below answers one specific question with live numbers, from fixed versus variable to refinancing off a set rate, low deposit, offset and investor loans.
Today's lowest rate by scenario
Headline and comparison rates across a spread of scenarios, as at 10 August 2026.
| Scenario | Interest rate | Comparison rate | Lender |
|---|---|---|---|
| Basic variable | 5.93% p.a. | 5.97% p.a. | Bank of China |
| 1 year fixed | 6.19% p.a. | 6.23% p.a. | Macquarie Bank Limited |
| 2 year fixed | 6.14% p.a. | 6.18% p.a. | Macquarie Bank Limited |
| 3 year fixed | 6.09% p.a. | 6.13% p.a. | Macquarie Bank Limited |
| 5 year fixed | 6.29% p.a. | 6.33% p.a. | Macquarie Bank Limited |
| 95% LVR | 5.94% p.a. | 5.98% p.a. | Newcastle Permanent Building Society |
| Investor P&I | 6.04% p.a. | 6.08% p.a. | HSBC |
| First home buyer | 5.94% p.a. | 5.98% p.a. | Newcastle Permanent Building Society |
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.
- Is it cheaper to fix or stay variable this month?Compare the lowest verified 2 year fixed and variable rates in the dated 80% LVR snapshot.
- What is the lowest 1 year fixed home loan rate?Find the cheapest 1 year fixed owner-occupier rate and how it compares to variable.
- What is the lowest 2 year fixed home loan rate?Find the cheapest 2 year fixed owner-occupier rate and how it compares to variable.
- What is the lowest 3 year fixed home loan rate?Find the cheapest 3 year fixed owner-occupier rate and the spread against variable.
- What is the lowest 5 year fixed home loan rate?Find the cheapest 5 year fixed owner-occupier rate and the spread against variable.
- Is it worth refinancing if my rate is 7%?Understand what to check before refinancing a home loan currently at 7.00%.
- Is it worth refinancing if my rate is 6.5%?Understand what to check before refinancing a home loan currently at 6.50%.
- Is it worth refinancing if my rate is 6%?Understand what to check before refinancing a home loan currently at 6.00%.
- How can I compare home loans with an offset account?Compare variable home loans currently recorded with an offset account.
- How can I compare home loans with redraw?Compare variable home loans currently recorded with a redraw facility.
- How can I compare loans that allow extra repayments?Compare variable home loans currently recorded as allowing extra repayments.
- Which current home loan cashback offers are approved?Review current lender cashback offers and compare the associated home-loan options.
- What are the lowest investor interest-only home loan rates?Find the cheapest interest-only investment property loan rates.
- What are the lowest investor principal and interest rates?Find the cheapest principal and interest investment property loan rates.
- What home loan rates can I get with a 5% deposit?Compare owner-occupier home loans currently recorded as available up to 95% LVR.
- What home loan rates can I get with a 10% deposit?Compare owner-occupier home loans currently recorded as available up to 90% LVR.
- Do you get a lower rate with a big deposit?Compare owner-occupier home loans currently recorded as available at 60% LVR.
- What should a first home buyer compare in a home loan?Compare owner-occupier home loans that may be relevant to first home buyers.
- How can self-employed borrowers compare low-doc home loans?Compare home loans currently recorded for low-doc or self-employed applications.
- What are the lowest owner-occupier interest-only rates?Find the cheapest owner-occupier interest-only home loan rates.
- How can I compare no-frills variable home loans?Compare owner-occupier variable home loans without assuming an offset feature.
- Should I fix now or wait for rates to fall?Compare the dated 80% LVR starting-rate gap between fixing for 2 years and staying variable.
Frequently asked questions
- Which comparison scenario has the lowest home loan rate right now?
- Right now, the lowest live rate across our comparison scenarios is 5.93% p.a., with a 5.97% p.a. comparison rate, for basic variable from Bank of China, as at 10 August 2026. Every scenario page below recomputes its own answer daily, so the cheapest category can change from week to week.