State of Australian Home Loans
Ratesniffers' verified 27 August 2026 snapshot contains exact matched home loan rate rows at 80% LVR across 22 lenders. The lowest owner-occupier variable P&I match is 5.94% p.a. (5.98% comparison rate). Investor, fixed and interest-only cohorts are shown separately so unlike products are not combined into one market-low claim.
Verified snapshot at a glance
Lowest exact match by comparable cohort
Every interest rate stays attached to the comparison rate from the same product row. Cohorts are not blended.
| Cohort | Lender | Product | Interest | Comparison | Lenders |
|---|---|---|---|---|---|
| Owner-occupier variable P&I | Newcastle Permanent Building Society | Premium Plus Package Variable Home Loan Principal and Interest | 5.94% | 5.98% | 21 |
| Investor variable P&I | Bank Australia | Offset Investment Loan | 6.09% | 6.13% | 19 |
| Owner-occupier fixed P&I | Macquarie Bank Limited | Macquarie Offset Home Loan | 6.09% | 6.13% | 18 |
| Owner-occupier interest only | Firefighters Mutual Bank | Your Way Plus Interest Only Home Loan | 5.99% | 6.03% | 17 |
| Investor interest only | Firefighters Mutual Bank | Your Way Interest Only Home Loan Investor | 6.24% | 6.28% | 19 |
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.
Scope and exclusions
- All promoted rows are exact matches at 80% LVR from the snapshot dated 27 August 2026.
- Purpose, repayment type, rate type and fixed term are kept as separate comparison dimensions.
- Refinance, first-home-buyer, offset, redraw, low-doc and other feature eligibility are not inferred.
- Broader comparison-table coverage may update separately and does not drive the figures on this page.
Snapshot FAQ
What is the lowest verified owner-occupier variable rate in this snapshot?
At 80% LVR in the snapshot dated 27 August 2026, the lowest exact owner-occupier variable P&I match is 5.94% p.a. (5.98% comparison rate). The interest and comparison rate come from the same product row.
How many lenders are represented in the verified snapshot?
22 lenders have at least one exact matched row across the owner-occupier, investor, fixed or interest-only cohorts shown here. This measured subset is separate from the broader comparison-table coverage.
How do investor rates compare with owner-occupier rates?
The lowest exact investor variable P&I comparison rate is 6.13%, 15 basis points above the lowest exact owner-occupier variable P&I comparison rate in the same 27 August 2026 snapshot.
Does this snapshot prove refinance, first-home-buyer or feature eligibility?
No. The verified snapshot encodes purpose, repayment type, rate type, fixed term and an 80% LVR model. It does not establish refinance, first-home-buyer, offset, redraw, low-doc or other feature eligibility.
How current is this snapshot?
The source snapshot is dated 27 August 2026. A broader comparison row may refresh more frequently, but it cannot change the promoted figures here unless it exactly matches the approved snapshot slot.
Cite the verified snapshot
Suggested attribution: Ratesniffers, State of Australian Home Loans, verified 80% LVR snapshot dated 27 August 2026, covering 22 exact matched lenders.