Which two lenders should I compare?

Start with the lender you bank with now versus the one offering the rate you've seen advertised. The comparisons here cover the most-searched pairings across the major banks and the lower-rate challengers, so you can see the rate gap and feature differences before you switch.

How often are these comparisons updated?

Daily. Both lenders' rates are refreshed every day, so each comparison reflects the most recent data we hold. Rates can change whenever a lender reprices or the RBA moves the cash rate.

Lender comparisons

Home loan comparisons: lender vs lender

Q: How do these lender comparisons work?

Each page puts two lenders side by side on the figures that decide a home loan: lowest variable rate, lowest 3-year fixed rate, lowest comparison rate, offset, cashback and product count. Every number is pulled from our live index, refreshed daily and ranked by comparison rate.

These head-to-head pages compare two lenders' home loans side by side: lowest variable rate, lowest 3-year fixed rate, lowest comparison rate, offset, cashback and how many products each offers. Every figure is refreshed daily and ranked by comparison rate, the ASIC-mandated metric that folds in most fees.

CommBank vs Westpac ANZ vs NAB CommBank vs NAB Westpac vs ANZ CommBank vs ANZ Westpac vs NAB Macquarie Bank vs ING ubank vs ING ubank vs Macquarie Bank CommBank vs Macquarie Bank CommBank vs ubank Westpac vs Macquarie Bank NAB vs ubank ANZ vs ING Bankwest vs CommBank St.George Bank vs Westpac Suncorp Bank vs Bendigo Bank AMP Bank vs ING Macquarie Bank vs ubank ING vs Suncorp Bank

How to read a lender comparison

The headline rate is only half the story. The comparison rate, which folds in most ongoing fees, is the figure ASIC says borrowers should use to compare the true cost of two loans. We lead every comparison with it, then layer in the features that change how much a loan really costs you: an offset account, redraw, extra repayments and any cashback on offer.

Keep in mind that the advertised rate isn’t always the rate a lender approves on your file. Your loan size, deposit and income all move the number, so use these pages to narrow the field, then check the rate each lender would actually offer on your scenario.