Compare rates and products from Australia's leading lenders.
Rates shown are indicative only. Based on $500,000 loan, 30-year term, principal & interest, owner-occupier. Contact us for your personalised rate.
Refined:Loan: $500,000·Term: 30 yrs
Sort by:37 products
Lender / Product
Type
Rate
Comp.*
Repayment
Deposit
Features
W
Westpac
Flexi First Option (Online Offer)
Variable
5.99%p.a.
6.00%p.a.*
$2,995/month
20%
Redraw facilityNo ongoing fees
I
ING
Mortgage Simplifier (≤70% LVR)
Variable
5.99%p.a.
6.02%p.a.*
$2,995/month
20%
Redraw facilityNo monthly fees
M
Macquarie
Basic Home Loan (≤70% LVR)
Variable
6.04%p.a.
6.06%p.a.*
$3,011/month
20%
Redraw facilityNo ongoing fees
MB
ME Bank
EconoME Variable (≥$150K, ≤80% LVR)
Variable
6.04%p.a.
6.06%p.a.*
$3,011/month
20%
Redraw facilityNo monthly fees
S
Suncorp
Back to Basics Variable (≤60% LVR)
Variable
6.08%p.a.
6.09%p.a.*
$3,024/month
20%
Redraw facility
CB
Commonwealth Bank
Digi Home Loan (Variable)
Variable
6.09%p.a.
6.22%p.a.*
$3,027/month
20%
Offset accountRedraw facility+1
W
Westpac
Flexi First Option (80–90% LVR)
Low Deposit
6.09%p.a.
6.10%p.a.*
$3,027/month
10%
Redraw facilityLMI may apply
CB
Commonwealth Bank
Digi Home Loan (with Offset)
Offset + Redraw
6.09%p.a.
6.22%p.a.*
$3,027/month
20%
Offset accountRedraw facility+1
N
NAB
Tailored Home Loan (≤70% LVR)
Offset + Redraw
6.09%p.a.
6.22%p.a.*
$3,027/month
20%
Offset accountRedraw facility
S
Suncorp
HPP Standard Variable + Offset (≤70%)
Offset + Redraw
6.13%p.a.
6.48%p.a.*
$3,040/month
20%
Offset accountRedraw facility
I
ING
Orange Advantage (≤80% LVR)
Offset + Redraw
6.14%p.a.
6.43%p.a.*
$3,043/month
20%
Offset accountRedraw facility+1
A
AMP
Essential Home Loan (≥$750K, ≤80%)
Variable
6.18%p.a.
6.21%p.a.*
$3,056/month
20%
Redraw facility
N
NAB
Tailored Home Loan (≤80% LVR)
Variable
6.19%p.a.
6.32%p.a.*
$3,059/month
20%
Redraw facility
B
Bankwest
Simple Home Loan (≤60% LVR)
Variable
6.19%p.a.
6.22%p.a.*
$3,059/month
20%
Redraw facilityNo monthly fees
I
ING
Fixed Rate 2yr (Orange Adv, ≤80%)
2 yr fixed
Fixed
6.19%p.a.
6.10%p.a.*
$3,059/month
20%
Offset on variable split
S
Suncorp
HPP Fixed 2yr (≤80% LVR)
2 yr fixed
Fixed
6.24%p.a.
6.54%p.a.*
$3,075/month
20%
Extra repayments
I
ING
Mortgage Simplifier (80–90% LVR)
Low Deposit
6.24%p.a.
6.27%p.a.*
$3,075/month
10%
Redraw facilityNo monthly fees
A
ANZ
ANZ Plus Home Loan (≤80% LVR)
Variable
6.25%p.a.
6.26%p.a.*
$3,079/month
20%
Redraw facilityNo ongoing fees
S
St.George
Basic Home Loan (≤70% LVR)
Variable
6.29%p.a.
6.30%p.a.*
$3,092/month
20%
Redraw facility
A
ANZ
Fixed Rate 2yr (≤80% LVR)
2 yr fixed
Fixed
6.29%p.a.
7.05%p.a.*
$3,092/month
20%
Extra repayments
M
Macquarie
Offset Home Loan (≤70% LVR)
Offset + Redraw
6.29%p.a.
6.34%p.a.*
$3,092/month
20%
Up to 10 offset accountsRedraw facility
A
AMP
Professional Package Variable (≤80%)
Offset + Redraw
6.29%p.a.
6.64%p.a.*
$3,092/month
20%
Offset accountRedraw facility+1
CB
Commonwealth Bank
Fixed Rate 2yr (Package, ≤70% LVR)
2 yr fixed
Fixed
6.34%p.a.
8.09%p.a.*
$3,108/month
20%
Extra repayments up to $30K/yr
W
Westpac
Fixed 2yr Package (≤70% LVR)
2 yr fixed
Fixed
6.34%p.a.
6.76%p.a.*
$3,108/month
20%
Extra repayments up to $30KRedraw
N
NAB
Fixed Rate 2yr (≤80% LVR)
2 yr fixed
Fixed
6.34%p.a.
6.98%p.a.*
$3,108/month
20%
Rate Lock available
CB
Commonwealth Bank
Simple Home Loan (90% LVR)
Low Deposit
6.34%p.a.
6.37%p.a.*
$3,108/month
10%
Redraw facilityLMI may apply
A
AMP
Fixed Rate 1yr (≤80% LVR)
1 yr fixed
Fixed
6.39%p.a.
7.24%p.a.*
$3,124/month
20%
Extra repayments
W
Westpac
Rocket Repay (Package, ≤70% LVR)
Offset + Redraw
6.39%p.a.
6.77%p.a.*
$3,124/month
20%
100% offsetRedraw facility+1
MB
ME Bank
EconoME Fixed 2yr (≤70% LVR)
2 yr fixed
Fixed
6.40%p.a.
6.09%p.a.*
$3,128/month
20%
Rate lock available
N
NAB
Tailored Home Loan (90% LVR)
Low Deposit
6.44%p.a.
6.44%p.a.*
$3,141/month
10%
LMI may apply
M
Macquarie
Fixed Rate 3yr (≤80% LVR)
3 yr fixed
Fixed
6.49%p.a.
6.50%p.a.*
$3,157/month
20%
Up to $10K extra repayments/yr
B
Bankwest
Complete Fixed 2yr (≤80% LVR)
2 yr fixed
Fixed
6.59%p.a.
7.29%p.a.*
$3,190/month
20%
Redraw facility
A
AMP
Essential Home Loan (≤95% LVR)
Low Deposit
6.69%p.a.
6.72%p.a.*
$3,223/month
5%
LMI may apply
S
Suncorp
HPP First Home Buyer (≤95% LVR)
Low Deposit
6.74%p.a.
7.09%p.a.*
$3,240/month
5%
First home buyersLMI may apply
B
Bankwest
Simple Home Loan (90–95% LVR)
Low Deposit
6.89%p.a.
6.92%p.a.*
$3,290/month
5%
LMI included
A
ANZ
ANZ Plus Home Loan (90% LVR)
Low Deposit
7.09%p.a.
7.09%p.a.*
$3,357/month
10%
Redraw facilityLMI may apply
A
ANZ
Standard Variable (with Offset, ≤80%)
Offset + Redraw
7.24%p.a.
7.24%p.a.*
$3,407/month
20%
Offset account ($10/mo)Redraw facility
Important Disclaimer
Rates sourced October 2026 directly from lender websites (owner occupier, principal & interest, stated LVR). Note: several lenders have announced variable rate increases of 0.25% p.a. effective 9 October 2026 following the RBA cash rate decision — rates shown reflect the latest published figures. Repayments shown are for a $500,000 loan over 30 years at the displayed interest rate. Rates are subject to change without notice — verify current rates directly with lenders.
*Comparison rate is based on a loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Speak with a Loan Rocket broker to confirm current rates, product availability, and your personalised assessment.
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