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.

• Is it cheaper to fix or stay variable this month?Compare the cheapest fixed rate against the cheapest variable rate right now.
• 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%?See the savings of refinancing a home loan off a 7.00% rate to the cheapest available.
• Is it worth refinancing if my rate is 6.5%?See the savings of refinancing off a 6.50% rate to the cheapest variable available.
• Is it worth refinancing if my rate is 6%?See the savings of refinancing off a 6.00% rate to the cheapest variable available.
• What is the cheapest home loan with an offset account?Find the lowest variable rate that still includes a 100% offset account.
• What is the cheapest home loan with redraw?Find the lowest variable rate that still includes a redraw facility.
• What is the cheapest home loan that allows extra repayments?Find the lowest variable rate that lets you make unlimited extra repayments.
• What is the cheapest home loan that still pays cashback?Find the lowest-rate home loan that also comes with a cashback offer.
• 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?Find the cheapest owner-occupier rates available at 95% LVR.
• What home loan rates can I get with a 10% deposit?Find the cheapest owner-occupier rates available at 90% LVR.
• Do you get a lower rate with a big deposit?Find the cheapest owner-occupier rates available at 60% LVR.
• What are the lowest rates for a first home buyer?Find the cheapest owner-occupier rates suited to a first home buyer with a small deposit.
• What are the lowest self-employed home loan rates?Find the cheapest low-doc home loan rates for self-employed borrowers.
• What are the lowest owner-occupier interest-only rates?Find the cheapest owner-occupier interest-only home loan rates.
• What is the cheapest no-frills variable home loan?Find the lowest variable rate when you don't need an offset account.
• Should I fix now or wait for rates to fall?Compare the cost of fixing today against staying variable while you wait.