Compare all owner-occupier rates
Snapshot dated 9 November 2026
What is the lowest 3 year fixed home loan rate in Australia?
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.
In the 9 November 2026 snapshot, the lowest advertised interest rate among the lender-checked 3-year fixed owner-occupier loans at 80% LVR was 6.49% p.a. (7.80% comparison rate) from QBANK. This principal-and-interest sample is limited to the named products checked against lender schedules. The wider table is a separate listing.
Reviewed by the Ratesniffers Editorial Team. Promoted figures use the verified 80% LVR snapshot dated 9 November 2026.
Fixed rates checked against lender schedules
Sources checked 11 November 2026. Owner-occupier principal and interest at 80% LVR.
- QBANK · 3 Year Fixed Rate Owner Occupied P&I · 6.49% p.a. (7.80% comparison rate)
- Macquarie Bank Limited · Offset Home Loan Package 3 Year Fixed Owner Occupied P&I 70% - 80% LVR · 6.64% p.a. (6.67% comparison rate)
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.
3 year fixed rates, ranked by comparison rate
| Lender | Type | Rate p.a. | Comparison | Max LVR | Rate date |
|---|---|---|---|---|---|
| Credit Union SA | 3 year fixed | 6.24% | 6.60% | 80% | 11 Nov 2026 |
| Macquarie Bank Limited | 3 year fixed | 6.64% | 6.66% | 80% | 15 Oct 2026 |
| ING Bank (Australia) Ltd | 3 year fixed | 6.74% | 6.80% | 80% | 9 Oct 2026 |
| AFG Home Loans Alpha | 3 year fixed | 6.79% | 6.83% | 80% | 9 Oct 2026 |
| The Capricornian | 3 year fixed | 6.44% | 6.84% | 80% | 9 Oct 2026 |
| Australian Military Bank | 3 year fixed | 6.44% | 6.90% | 95% | 15 Oct 2026 |
| Auswide Bank Ltd | 3 year fixed | 6.74% | 6.96% | 80% | 8 Oct 2026 |
| Hume Bank | 3 year fixed | 6.79% | 6.97% | 95% | 15 Oct 2026 |
| Firefighters Mutual Bank | 3 year fixed | 7.09% | 7.18% | 90% | 8 Oct 2026 |
| Health Professionals Bank | 3 year fixed | 7.09% | 7.18% | 90% | 8 Oct 2026 |
Sorted by comparison rate. Each broad comparison row shows its own effective date; these rows do not drive the promoted answer or metadata.
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.
Frequently asked questions
What is the lowest 3 year fixed home loan rate in Australia?
In the 9 November 2026 snapshot, the lowest advertised interest rate among the lender-checked 3-year fixed owner-occupier loans at 80% LVR was 6.49% p.a. (7.80% comparison rate) from QBANK. This principal-and-interest sample is limited to the named products checked against lender schedules. The wider table is a separate listing.
How are the featured fixed rates selected?
The featured rate is the lowest advertised interest rate among matching products checked against lender schedules. Each comparison rate belongs to the same product. The separate wider table sorts by comparison rate. Check the lender’s rate, fees and fixed-term conditions for your loan.