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Compare Home Loan Rates - From 5.43%
Every Home Loan Rate in One Place.
100% Australian data. Always free to use.
Methodology: RatePilot uses tracked lender data and consistent comparison rules across every home loan page. Read the methodology.
$600Kon$750Kat80% LVROwner OccupierVariablePrincipal & Interest
Lender & Product
Interest Rates
Repayment
Action
Bank of China
Discount Home Loan (With Principal And Interest Repayment) (Variable)
RedrawExtra Repay
5.43%
Variable
5.64%
Comparison
$3,380
/month
5.43%
Variable Rate
5.64%
Comparison Rate
Est. Repayment
$3,380/mo
Principal & Interest (30y)Bank of China
Discount Plus Home Loan (With Principal And Interest Repayment) (Variable)
OffsetRedrawExtra Repay
Offset
5.43%
Variable
5.82%
Comparison
$3,380
/month
5.43%
Variable Rate
5.82%
Comparison Rate
Est. Repayment
$3,380/mo
Principal & Interest (30y)Up
Up Home Loan (Variable)
OffsetRedrawExtra Repay
Offset
5.45%
Variable
5.45%
Comparison
$3,388
/month
5.45%
Variable Rate
5.45%
Comparison Rate
Est. Repayment
$3,388/mo
Principal & Interest (30y)HSBC
Home Value Loan (Variable)
RedrawExtra Repay
5.59%
Variable
5.60%
Comparison
$3,441
/month
5.59%
Variable Rate
5.60%
Comparison Rate
Est. Repayment
$3,441/mo
Principal & Interest (30y)AMP Bank
Amp First Home Loan (Variable)
OffsetRedrawExtra Repay
Offset
5.63%
Variable
5.63%
Comparison
$3,456
/month
5.63%
Variable Rate
5.63%
Comparison Rate
Est. Repayment
$3,456/mo
Principal & Interest (30y)Bendigo Bank
Bendigo Easy Home Loan (Variable)
RedrawExtra Repay
5.63%
Variable
5.65%
Comparison
$3,456
/month
5.63%
Variable Rate
5.65%
Comparison Rate
Est. Repayment
$3,456/mo
Principal & Interest (30y)
ME Bank
Me Bank Econome Home Loan (Variable)
RedrawExtra Repay
5.63%
Variable
5.65%
Comparison
$3,456
/month
5.63%
Variable Rate
5.65%
Comparison Rate
Est. Repayment
$3,456/mo
Principal & Interest (30y)Bank of Queensland
Economy Variable Home Loan
$2k CashbackRedrawExtra Repay
$2k
5.63%
Variable
5.78%
Comparison
$3,456
/month
5.63%
Variable Rate
5.78%
Comparison Rate
Est. Repayment
$3,456/mo
Principal & Interest (30y)ubank
Neat - Oo Variable P&i
RedrawExtra Repay
5.64%
Variable
5.66%
Comparison
$3,460
/month
5.64%
Variable Rate
5.66%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)Macquarie Bank
Macquarie Basic Home Loan (Variable)
RedrawExtra Repay
5.64%
Variable
5.66%
Comparison
$3,460
/month
5.64%
Variable Rate
5.66%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)ING
Mortgage Simplifier (Variable)
RedrawExtra Repay
5.64%
Variable
5.67%
Comparison
$3,460
/month
5.64%
Variable Rate
5.67%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)Bank of Queensland
Clear Path Variable Home Loan
$2k CashbackOffsetRedrawExtra Repay
$2kOffset
5.64%
Variable
5.77%
Comparison
$3,460
/month
5.64%
Variable Rate
5.77%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)CommBank
Digi Home Loan (Owner Occupied) (Variable)
OffsetRedrawExtra Repay
Offset
5.64%
Variable
5.77%
Comparison
$3,460
/month
5.64%
Variable Rate
5.77%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)Bendigo Bank
Bendigo Express Home Loan (Variable)
OffsetRedrawExtra Repay
Offset
5.64%
Variable
5.77%
Comparison
$3,460
/month
5.64%
Variable Rate
5.77%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)Macquarie Bank
Macquarie Offset Home Loan (Variable)
OffsetRedrawExtra Repay
Offset
5.64%
Variable
5.89%
Comparison
$3,460
/month
5.64%
Variable Rate
5.89%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)ubank
Flex - Variable Oo P&i
OffsetRedrawExtra Repay
Offset
5.64%
Variable
5.89%
Comparison
$3,460
/month
5.64%
Variable Rate
5.89%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)ING
Orange Advantage (Variable)
OffsetRedrawExtra Repay
Offset
5.64%
Variable
5.94%
Comparison
$3,460
/month
5.64%
Variable Rate
5.94%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)ME Bank
Me Bank Completeme Home Loan (Variable)
OffsetRedrawExtra Repay
Offset
5.64%
Variable
6.03%
Comparison
$3,460
/month
5.64%
Variable Rate
6.03%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)Suncorp Bank
Back To Basics Variable Rate Better Together Special Offer
RedrawExtra Repay
5.66%
Variable
5.67%
Comparison
$3,467
/month
5.66%
Variable Rate
5.67%
Comparison Rate
Est. Repayment
$3,467/mo
Principal & Interest (30y)AMP Bank
Amp Essential Home Loan (Variable)
RedrawExtra Repay
5.68%
Variable
5.71%
Comparison
$3,475
/month
5.68%
Variable Rate
5.71%
Comparison Rate
Est. Repayment
$3,475/mo
Principal & Interest (30y)Bendigo Bank
Bendigo Flex Home Loan (Retail) (Variable)
OffsetRedrawExtra Repay
Offset
5.68%
Variable
5.89%
Comparison
$3,475
/month
5.68%
Variable Rate
5.89%
Comparison Rate
Est. Repayment
$3,475/mo
Principal & Interest (30y)Bendigo Bank
First Home Buyers (Bendigo Complete Home Loan) (Variable)
OffsetRedrawExtra Repay
Offset
5.73%
Variable
5.96%
Comparison
$3,494
/month
5.73%
Variable Rate
5.96%
Comparison Rate
Est. Repayment
$3,494/mo
Principal & Interest (30y)Important: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. General Advice Only.
Showing 22 of 53 home loans
Home Loan Market - March 2026
We track home loans from 20 lenders across 95 products and 2,360+ rate variations — covering every LVR tier, fixed term, and repayment type. Updated daily.
The lowest rate of 5.43% p.a. is currently offered by Bank of China.
Important: Always compare the comparison rate, not just the advertised rate. The comparison rate includes fees and gives a truer cost of the loan.
Popular home loan categories
Dive deeper into specific home loan types, rate structures, and lender comparisons.
Common Questions
Home Loan FAQs
What is a good home loan interest rate in Australia?
The lowest home loan rates currently start from 5.43% p.a. A good rate depends on your LVR, whether you choose fixed or variable, and if it's for owner-occupier or investment purposes.
What is the difference between fixed and variable home loans?
A fixed rate home loan locks in your interest rate for a set period (typically 1-5 years), providing certainty. A variable rate can change at any time but often offers more flexibility with extra repayments and offset accounts.
What is the comparison rate?
The comparison rate combines the advertised interest rate plus most fees and charges into a single rate, helping you compare the true cost of different home loans.