Quarterly index publication · refreshes daily
State of Australian Home Loans
A daily-refreshed snapshot of the 85+-lender Australian home-loan market, cheapest comparison rate, owner-occupier vs investor spread, fixed vs variable difference, and the corpus underneath. Every figure on this page is computed from 3,831 live product snapshots stored in our database. As of 19 July 2026.
Headline benchmarks
Lenders tracked
85+
Big-4, mutuals, neo + non-bank
Live products
3,831
OO + investor + IO + low-doc
Cheapest OO comparison
5.89%
Variable + P&I, fresh snapshot
Cheapest investor comparison
6.01%
Variable + P&I, fresh snapshot
OO → investor spread
+0.12%
Difference vs OO cheapest
FHB-eligible products
18
Products that meet HGS / FHOG eligibility
Cheapest comparison rate by segment
| Segment | Lender | Product | Headline | Comparison |
|---|---|---|---|---|
| Cheapest variable OO | Horizon Bank | First Home Buyer Loan | 5.89% | 5.89% |
| Cheapest variable investor | Virgin Money | Virgin Money Lite Home Loan | 5.99% | 6.01% |
| Cheapest fixed OO | Athena | Obliterate | 5.99% | 5.99% |
Comparison rate based on a $150,000 loan over 25 years per the National Consumer Credit Protection Act 2009. Strict-data-quality filter applied (snapshots within freshness window, above plausibility floor).
Methodology
- Rates refreshed daily across 85+ Australian lenders.
- "Cheapest" reflects the lowest comparison rate in our index that passes our data-quality checks for freshness and plausibility.
- Comparison rates calculated on the standard $150K / 25y NCCP basis, directly comparable across lenders.
- Owner-occupier vs investor spread shown is between the cheapest qualifying product in each segment, not an averaged spread across the panel.
- Panel composition: Big-4, second-tier banks (Macquarie, ING, Bankwest, Suncorp, Bendigo, BoQ), every customer-owned bank we verify, and the neo + non-bank challengers.
- FHB-eligible products are those with maximum LVR ≥ 95% AND price-eligible against the federal Home Guarantee Scheme + state FHOG bands.
Citation
Suggested attribution for press, research and AI citation:
Ratesniffers, “State of Australian Home Loans”, daily index of 3,831 home-loan products across 85+ Australian lenders. Snapshot as of 19 July 2026. ratesniffers.com.au/insights/au-home-loan-snapshot
For raw data extracts or custom date-window queries, contact info@xcelcorp.com.au or see our press kit.