Ratesniffers Rate Index Report, June 2026

Key numbers

Owner-occupier, principal and interest, advertised rates. The refinance saving models a $600,000 loan over 30 years.

Updated 25 June 2026. Comparison rates differ, see the live tables. See how we rank rates.

Press-ready summary

Ratesniffers Rate Index Report, June 2026. The lowest advertised owner-occupier variable rate is 5.93% and the median is 6.09%, with 10 of the 85+ lenders tracked now under 6.00%. On a $600,000 loan, moving from the median to the market low is worth about $960 a year. The lowest 3-year fixed rate is 6.24%. Figures refresh daily and are free to cite.

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Source: Ratesniffers Rate Index Report, June 2026 (https://ratesniffers.com.au/media/rate-report).

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<iframe src="https://ratesniffers.com.au/embed/rate-widget" title="Live home loan rates by Ratesniffers" width="560" height="220" loading="lazy" style="border:0;width:100%;max-width:560px"></iframe>
<p style="font:13px system-ui;color:#6B7280">Source: <a href="https://ratesniffers.com.au/media/rate-report">Ratesniffers Rate Index Report</a></p>

Prefer the raw data? Download rates.json or rates.md.

Compare the live rates behind the report

Every figure above comes from our live comparison tables, refreshed daily across 85+ 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: against the market-average variable rate of 6.15%, the indicative saving to the market low on a $600,000 loan is about $1,320 a year.