Ratesniffers Rate Index Report, July 2026
3 of 28 verified-panel lenders now under a 6.00% comparison rate, with up to about $900 a year on the table for refinancers.
Computed from verified current 80% LVR rows across 28 panel lenders. Free to cite, please link to this report.
Key numbers
Owner-occupier, principal and interest comparison rates. The refinance saving uses headline interest rates to model a $600,000 loan over 30 years.
Updated 31 July 2026. See how we rank rates.
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.
Press-ready summary
Ratesniffers Rate Index Report, July 2026. The lowest owner-occupier variable comparison rate is 5.98% and the median comparison rate is 6.13%, with 3 of the 28 verified-panel lenders tracked now under 6.00%. On a $600,000 loan, the modelled move from the median headline rate to the market-low headline rate is worth about $900 a year. The lowest 3-year fixed comparison rate is 6.13%. Figures use verified current 80% LVR rows and are free to cite.
Cite this report
Quoting these figures? Use the line below and link back to this report. Numbers are free to cite.
Source: Ratesniffers Rate Index Report, July 2026 (https://ratesniffers.com.au/media/rate-report).
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<iframe src="https://ratesniffers.com.au/embed/rate-widget" title="Verified home loan comparison rate by Ratesniffers" width="480" height="420" loading="lazy" style="border:0;width:100%;max-width:480px"></iframe>
Prefer the raw data? Download rates.csv, rates.json or rates.md.
Compare the live rates behind the report
Every figure above comes from verified current 80% LVR rows across 28 panel lenders.
For media
For comment, a custom data extract or an interview, contact Tanveer Bedi, founder of Ratesniffers, at info@xcelcorp.com.au. Full brand assets and citation guidance are on the media kit.
Context for editors: the modelled saving from the market-average headline rate to the market-low headline rate on a $600,000 loan is about $960 a year. The current average variable comparison rate is 6.14%.