Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤80%
Home loan rates in Sydney, November 2026
Compare owner-occupier home loans by comparison rate.
RBA cash rate 4.85%(effective 4 November 2026)·As at ·5,197 products·45+ Australian lenders
About these dates
Live rates updated 11 November 2026. Verified snapshot dated 9 November 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Compare the national rate table as a starting point for buying in Sydney. A lender needs the property address, property type, deposit and loan purpose to confirm which products and rates it can offer you.
Sorted by comparison rate26 products shown
Interest
6.24%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.28%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.34%p.a.
Updating +25bp · eff 13 Oct
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.18%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,056
LVR ≤80%
Interest
6.39%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
6.64% (comparison 6.67%) from 17 Nov 2026
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR 60 to 80%
Interest
6.44%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Show 16 more products
Interest
6.44%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.47%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.49%p.a.
Updating +25bp · eff 7 Oct
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.54%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.34%p.a.
6.59% (comparison 6.82%) from 19 Nov 2026
Comparison*
6.57%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.34%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,108
LVR ≤80%
ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.69%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.73%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.73%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.73%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.64%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.75%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.55%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,177
LVR 70 to 80%
*Important Information and Comparison Rate Warning
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.
What to check before comparing quotes in Sydney
- Confirm the lender accepts the postcode and property type and how much it will lend against its valuation.
- Compare written quotes for the same loan amount, term and repayment type, including interest, fees and features.
- Check first home buyer assistance with Revenue NSW and compare transfer duty with the official duty calculator links listed by Moneysmart.
- For the Australian Government 5% Deposit Scheme, check the exact suburb and postcode with the official price cap tool and confirm the purchase price, lender valuation and other eligibility requirements with a participating lender.
Sydney home loan rate FAQs
How do I compare home loan rates in Sydney?
Compare the national rate table as a starting point for buying in Sydney. A lender needs the property address, property type, deposit and loan purpose to confirm which products and rates it can offer you.
How do I estimate a home loan repayment in Sydney?
Use your own loan amount after the deposit, quoted interest rate, loan term and repayment type. Use the same assumptions when comparing quotes and keep upfront costs, such as transfer duty, separate from the monthly repayment.
Do first home buyers pay stamp duty in Sydney?
It depends on the property, contract date and the buyer’s circumstances. Check the current transfer duty and first home buyer rules for New South Wales before budgeting.
How do I check the 5% Deposit Scheme price cap in Sydney?
Use the Australian Government’s postcode tool for the exact suburb and confirm the cap with a participating lender. The purchase price and the lender’s valuation must both fit the cap. Other scheme and lender eligibility rules apply.