Monthly publication · June 2026
Australian Home Loan Rate Index
Headline home loan rate statistics for Australia, computed live from 3,715 products across 85+ lenders and refreshed daily. Free to cite — please link to this page.
6.19%
Avg variable rate (OO)
5.89%
Lowest variable rate
5.99%
Lowest fixed rate
+4 bps
Big-4 premium vs challengers
4.35%
RBA cash rate
5.88%
Lowest investor variable
Key findings — June 2026
- The average owner-occupier variable home loan rate in Australia is 6.19% (median 6.09%), across 67 lenders.
- The lowest advertised owner-occupier variable rate is 5.89%, from Unloan.
- The big-four banks average 6.23% on variable rates — 4 basis points higher than the 6.19% challenger-bank and mutual average.
- The average variable rate sits 184 basis points above the 4.35% RBA cash rate.
- The lowest owner-occupier fixed rate is 5.99% (BankVic); the fixed average is 6.60%.
- Investor variable rates average 6.34%, from a low of 5.88%.
- The average 1-year fixed owner-occupier rate is 6.60% (lowest 6.00%, across 56 lenders).
- The average 2-year fixed owner-occupier rate is 6.61% (lowest 5.99%, across 56 lenders).
- The average 3-year fixed owner-occupier rate is 6.61% (lowest 5.99%, across 55 lenders).
- The average 5-year fixed owner-occupier rate is 6.67% (lowest 6.00%, across 51 lenders).
Updated 13 June 2026 · Methodology: lowest advertised owner-occupier rate per lender from our daily-refreshed index. See how we rank rates.
Australian home loan rates by category — June 2026
Average, lowest and highest advertised rates for each loan category, computed live across 67+ lenders. Free to cite with a link to this page.
| Loan category | Average | Lowest | Highest | Lenders |
|---|---|---|---|---|
| Owner-occupier variable (P&I) | 6.19% | 5.89% | 8.40% | 67 |
| Investor variable (P&I) | 6.34% | 5.88% | 8.65% | 60 |
| Owner-occupier 1-year fixed | 6.60% | 6.00% | 9.08% | 56 |
| Owner-occupier 2-year fixed | 6.61% | 5.99% | 9.01% | 56 |
| Owner-occupier 3-year fixed | 6.61% | 5.99% | 8.88% | 55 |
| Owner-occupier 5-year fixed | 6.67% | 6.00% | 9.08% | 51 |
All rates advertised, owner-occupier unless noted, principal-and-interest. Comparison rates differ — see the live tables. Source: Ratesniffers daily rate index.
Compare the live rates behind these numbers
Every figure above comes from our live comparison tables, refreshed daily across 85+ lenders.