Real home loan rates,
compared in real time.

We track rates from dozens of Australian lenders every day, so you can see where your next mortgage actually sits before you call anyone.

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Rates last verified 22 September 2026

Lowest variable today 5.70 % p.a.
Lowest fixed (3yr) 5.84 % p.a.
Lowest refinance 5.89 % p.a.

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Compare home loans from Australian lenders

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Where rates have been heading

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Common questions

Compare the comparison rate, not just the advertised rate, against loans with a similar loan-to-value ratio and loan purpose to yours.

The RBA cash rate, your deposit size, credit history, loan type and the lender's own funding costs all play a part.

It depends on how much certainty you want in your repayments versus flexibility to make extra repayments or refinance.