Every Australian lender in our index.
Rates are refreshed daily from authoritative Australian lender sources. No affiliate shading, every lender is shown if its rate qualifies.
Ratesniffers tracks 3,849 home loan products across 85+ Australian lenders, last updated .
The lowest variable owner-occupier rate on the panel today is 5.89% p.a. from Horizon Bank.
Big 4 bank home loan rates
All other lenders, A to Z
Lender questions, answered
Which lender has the lowest home loan rate today?
Horizon Bank currently offers the lowest variable owner-occupier rate Ratesniffers tracks, at 5.89% p.a. (as of 29 July 2026). The cheapest lender changes as lenders reprice, so the live tables on each lender page always show the current order.
How many lenders does Ratesniffers compare?
Ratesniffers tracks 3,849 home loan products across 85+ Australian lenders, from the Big 4 banks to mutuals, customer-owned banks and online lenders, refreshed daily (last updated 29 July 2026).
Are the Big 4 banks cheaper than smaller lenders?
Usually not on advertised rates. Smaller lenders and online lenders typically advertise the sharpest variable rates, while the Big 4 compete through discretionary discounts, offset features and branch service. Comparing the live rate on each lender's page is the only reliable way to see where a lender sits today.