{
  "name": "Australian Home Loan Rate Index",
  "publisher": "Ratesniffers",
  "url": "https://ratesniffers.com.au/insights/home-loan-rate-index",
  "month": "June 2026",
  "asOf": "2026-06-26T02:15:03.264Z",
  "license": "Free to cite with attribution and a link to https://ratesniffers.com.au",
  "unit": "percent per annum",
  "comparisonRateBasis": "$150,000 loan over 25 years (Australian statutory basis)",
  "cashRate": 4.35,
  "headline": {
    "ownerOccupierVariable": {
      "average": 6.2,
      "median": 6.09,
      "lowest": 5.93,
      "lowestLender": "Bank of China",
      "highest": 8.4,
      "lenders": 64
    },
    "ownerOccupierFixedLowest": {
      "lowest": 5.99,
      "lowestLender": "BankVic"
    },
    "investorVariable": {
      "average": 6.35,
      "lowest": 5.88,
      "highest": 8.65,
      "lenders": 57
    },
    "big4Premium": {
      "basisPoints": 3,
      "big4AverageVariable": 6.23,
      "challengerAverageVariable": 6.2
    },
    "productsTracked": 3715
  },
  "byCategory": [
    {
      "category": "Owner-occupier variable (P&I)",
      "average": 6.2,
      "lowest": 5.93,
      "highest": 8.4,
      "lenders": 64
    },
    {
      "category": "Investor variable (P&I)",
      "average": 6.35,
      "lowest": 5.88,
      "highest": 8.65,
      "lenders": 57
    },
    {
      "category": "Owner-occupier 1-year fixed",
      "average": 6.6,
      "lowest": 6.09,
      "highest": 9.08,
      "lenders": 56
    },
    {
      "category": "Owner-occupier 2-year fixed",
      "average": 6.61,
      "lowest": 5.99,
      "highest": 9.01,
      "lenders": 55
    },
    {
      "category": "Owner-occupier 3-year fixed",
      "average": 6.61,
      "lowest": 5.99,
      "highest": 8.88,
      "lenders": 54
    },
    {
      "category": "Owner-occupier 5-year fixed",
      "average": 6.66,
      "lowest": 6.29,
      "highest": 9.08,
      "lenders": 50
    }
  ],
  "lowestVariable": [
    {
      "rank": 1,
      "lender": "Greater Bank Limited",
      "product": "Discounted Great Rate Home Loan - Variable Owner Occupied",
      "rate": 5.94,
      "comparisonRate": 5.95
    },
    {
      "rank": 2,
      "lender": "Bank of China",
      "product": "Discount Plus Home Loan (with Principal and Interest Repayment)",
      "rate": 5.93,
      "comparisonRate": 5.97
    },
    {
      "rank": 3,
      "lender": "HSBC",
      "product": "Home Value Loan",
      "rate": 5.94,
      "comparisonRate": 5.98
    },
    {
      "rank": 4,
      "lender": "NRMA Home Loans",
      "product": "NRMA Basic Home Loan",
      "rate": 5.94,
      "comparisonRate": 5.98
    },
    {
      "rank": 5,
      "lender": "Regional Australia Bank",
      "product": "Regional Australia Bank Home Loan (Non Offset) ",
      "rate": 5.99,
      "comparisonRate": 6.02
    },
    {
      "rank": 6,
      "lender": "ING BANK (Australia) Ltd",
      "product": "Orange Advantage",
      "rate": 5.99,
      "comparisonRate": 6.03
    },
    {
      "rank": 7,
      "lender": "ME Bank - ME Go",
      "product": "ME Bank CompleteME Home Loan",
      "rate": 5.99,
      "comparisonRate": 6.03
    },
    {
      "rank": 8,
      "lender": "Queensland Country Bank",
      "product": "Home Loan-Package",
      "rate": 5.99,
      "comparisonRate": 6.03
    },
    {
      "rank": 9,
      "lender": "BCU Bank",
      "product": "OMG Home Loan (P&I) LVR>60-80",
      "rate": 5.99,
      "comparisonRate": 6.03
    },
    {
      "rank": 10,
      "lender": "People's Choice and Heritage",
      "product": "Discount Variable - Owner Occupied ",
      "rate": 5.99,
      "comparisonRate": 6.03
    }
  ],
  "lowestFixed": [
    {
      "rank": 1,
      "lender": "BankVic",
      "product": "Fixed Rate Home Loan - 3 years",
      "termYears": 3,
      "rate": 5.99
    },
    {
      "rank": 2,
      "lender": "Athena",
      "product": "Liberate",
      "termYears": 1,
      "rate": 6.14
    },
    {
      "rank": 3,
      "lender": "Regional Australia Bank",
      "product": "Regional Australia Bank Home Loan (Fixed Owner Occupied)",
      "termYears": 1,
      "rate": 6.2
    },
    {
      "rank": 4,
      "lender": "The Capricornian",
      "product": "Lifestyle Home Loan",
      "termYears": 1,
      "rate": 6.24
    },
    {
      "rank": 5,
      "lender": "IMB Bank",
      "product": "1 year Fixed Rate Home Loan",
      "termYears": 1,
      "rate": 6.29
    }
  ]
}