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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 refreshed 5 October 2026

Lowest variable today 5.69 % p.a.
Lowest fixed (3yr) –
Lowest refinance 5.69 % p.a.

Interest rates, not comparison rates. See the table below for comparison rates.

Compare home loans from Australian lenders

Rates pulled directly from each lender's public CDR data, last refreshed 5 October 2026, 12:33pm.

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Lender and product Interest rate Comparison rate* Loan type Max LVR Est. monthly repayment Features
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*WARNING: Comparison rates are calculated on a secured loan of $150,000 over 25 years and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Repayment estimates are a guide only and exclude fees. The "Refinancing" filter flags products whose own name mentions refinancing, it isn't a guaranteed indicator, confirm directly with the lender.

This information is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is right for you before acting on it. Confirm the current rate and eligibility with the lender before you apply.

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Where rates have been heading

The RBA cash rate sets the floor for what lenders charge. When it moves, variable home loan rates usually follow within weeks.

RBA cash rate 4.35% Since 5 May 2026
Last change +0.25% Increase
Average new variable rate 6.24% Owner occupier, September 2026
Next RBA decision – See rba.gov.au for dates
RBA cash rate target since January 2022 Step chart of the RBA cash rate, currently 4.35 per cent. 0% 1% 2% 3% 4% 5% 2022 2023 2024 2025 2026 3 May 2022: 0.35% (+0.25) 7 Jun 2022: 0.85% (+0.50) 5 Jul 2022: 1.35% (+0.50) 2 Aug 2022: 1.85% (+0.50) 6 Sep 2022: 2.35% (+0.50) 4 Oct 2022: 2.60% (+0.25) 1 Nov 2022: 2.85% (+0.25) 6 Dec 2022: 3.10% (+0.25) 7 Feb 2023: 3.35% (+0.25) 7 Mar 2023: 3.60% (+0.25) 2 May 2023: 3.85% (+0.25) 6 Jun 2023: 4.10% (+0.25) 7 Nov 2023: 4.35% (+0.25) 18 Feb 2025: 4.10% (-0.25) 20 May 2025: 3.85% (-0.25) 12 Aug 2025: 3.60% (-0.25) 3 Feb 2026: 3.85% (+0.25) 17 Mar 2026: 4.10% (+0.25) 5 May 2026: 4.35% (+0.25) 4.35%

Source: Reserve Bank of Australia, cash rate target by decision date. Hover a point to see each decision.

Recent RBA decisions
Decision dateChangeCash rate
5 May 2026 +0.25% 4.35%
17 March 2026 +0.25% 4.10%
3 February 2026 +0.25% 3.85%
12 August 2025 -0.25% 3.60%
20 May 2025 -0.25% 3.85%
18 February 2025 -0.25% 4.10%
7 November 2023 +0.25% 4.35%
6 June 2023 +0.25% 4.10%

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.