Snapshot dated 31 July 2026
What is the lowest 3 year fixed home loan rate?
A 3 year fix provides a medium-term repayment window. The promoted figure below uses one exact dated 80% LVR principal-and-interest row, with broader comparison options shown separately.
As at 31 July 2026, the lowest verified 3 year fixed owner-occupier rate at 80% LVR is 6.09% p.a. (6.13% comparison rate) from Macquarie Bank Limited. The promoted figure comes from one exact principal-and-interest row; the broader table below may include additional currently listed comparison options.
Reviewed by the Ratesniffers Editorial Team. Promoted figures use the verified 80% LVR snapshot dated 31 July 2026.
3 year fixed rates, ranked by comparison rate
| Lender | Type | Rate p.a. | Comparison | Max LVR | Rate date |
|---|---|---|---|---|---|
| Macquarie Bank Limited | 3 year fixed | 6.09% | 6.13% | 80% | 10 Aug 2026 |
| Bank Australia | 3 year fixed | 6.19% | 6.23% | — | 10 Aug 2026 |
| IMB Bank | 3 year fixed | 6.24% | 6.32% | 95% | 9 July 2026 |
| ME Bank - ME Go | 3 year fixed | 6.29% | 6.33% | 95% | 10 Aug 2026 |
| HSBC | 3 year fixed | 6.34% | 6.38% | 80% | 10 Aug 2026 |
| Great Southern Bank | 3 year fixed | 6.35% | 6.39% | — | 10 Aug 2026 |
| Bank of China | 3 year fixed | 6.39% | 6.43% | — | 10 Aug 2026 |
| Hume Bank | 3 year fixed | 6.39% | 6.43% | — | 10 Aug 2026 |
| ING Bank (Australia) Ltd | 3 year fixed | 6.39% | 6.43% | — | 10 Aug 2026 |
| Newcastle Permanent Building Society | 3 year fixed | 6.39% | 6.43% | 80% | 10 Aug 2026 |
Sorted by comparison rate. Each broad comparison row shows its own effective date; these rows do not drive the promoted answer or metadata.
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.
Frequently asked questions
- What is the lowest 3 year fixed home loan rate?
- As at 31 July 2026, the lowest verified match at 80% LVR is 6.09% p.a. (6.13% comparison rate) from Macquarie Bank Limited. The rate and comparison rate come from the same exact row; eligibility still depends on the application.
- How often are these rates updated?
- Promoted rate claims use the verified 80% LVR snapshot dated 31 July 2026. Broader comparison-table rows may refresh more frequently, but they do not drive the answer capsule, metadata or sticky rate.
- Is the lowest rate always the best loan for me?
- Not always. The cheapest headline rate can come without features like an offset account, and your deposit size, income type and goals all change which loan suits you. Use the rate as a starting point, then weigh the features that matter to your situation.
- What is a comparison rate?
- A comparison rate folds most ongoing fees into a single percentage so you can weigh loans on their true cost rather than the advertised headline rate alone. It is the metric these rankings sort on.