Current rates
Home loan rates
Rates come from each lender's Consumer Data Right data. Sort them however you like.
Coverage164 of 305 banks and lenders, from their Consumer Data Right data. 119 have a product that matches.
Data dateAs published on 1 Nov 2026.
OrderInterest rate, lowest first (published rates). Channel prices from lender staff and brokers are never part of the order; each product page lists them separately.
Lender-reportedNone in this table.
Some lenders and their staff pay Homepedia a fixed fee for identity verification and data maintenance. It does not affect which products appear or how they rank. How Homepedia makes money
Rate p.a.5.93%
Comparison rate*6.28%
Monthly on $600,000$3,570
over 30 years
Conditions
LVR 60%–80%
3 more from Southern Cross Credit Union
Rate p.a.5.93%
Comparison rate*6.28%
Monthly on $600,000$3,570
over 30 years
Conditions
LVR 60%–80%
Rate p.a.5.93%
Comparison rate*6.28%
Monthly on $600,000$3,570
over 30 years
Conditions
LVR 60%–80%
Rate p.a.5.93%
Comparison rate*6.28%
Monthly on $600,000$3,570
over 30 years
Conditions
LVR 60%–80%
Rate p.a.5.94%
Comparison rate*5.99%
Monthly on $600,000$3,574
over 30 years
ConditionsNone published
2 more from Broken Hill Bank
Rate p.a.6.79%
Comparison rate*6.84%
Monthly on $600,000$3,908
over 30 years
ConditionsNone published
Rate p.a.7.14%
Comparison rate*7.19%
Monthly on $600,000$4,048
over 30 years
ConditionsNone published
Rate p.a.5.94%
Comparison rate*6.01%
Monthly on $600,000$3,574
over 30 years
ConditionsNone published
3 more from Coastline Bank
Rate p.a.6.14%
Comparison rate*6.14%
Monthly on $600,000$3,651
over 30 years
Conditions
LVR 60%–80%
Rate p.a.6.49%
Comparison rate*6.65%
Monthly on $600,000$3,788
over 30 years
Conditions
LVR 60%–80%
Rate p.a.9.46%
Comparison rate*9.46%
Monthly on $600,000$5,028
over 30 years
ConditionsNone published
Rate p.a.5.94%
Comparison rate*5.98%
Monthly on $600,000$3,574
over 30 years
ConditionsNone published
2 more from Northern Inland Credit Union Limited
Rate p.a.6.24%
Comparison rate*6.58%
Monthly on $600,000$3,690
over 30 years
ConditionsNone published
Rate p.a.6.69%
Comparison rate*7.03%
Monthly on $600,000$3,868
over 30 years
ConditionsNone published
Rate p.a.6.05%
Comparison rate*6.10%
Monthly on $600,000$3,617
over 30 years
ConditionsNone published
7 more from Unity Bank
Rate p.a.6.15%
Comparison rate*6.20%
Monthly on $600,000$3,655
over 30 years
ConditionsNone published
Rate p.a.6.15%
Comparison rate*6.20%
Monthly on $600,000$3,655
over 30 years
ConditionsNone published
Rate p.a.6.15%
Comparison rate*6.18%
Monthly on $600,000$3,655
over 30 years
ConditionsNone published
Rate p.a.6.34%
Comparison rate*6.39%
Monthly on $600,000$3,730
over 30 years
ConditionsNone published
Rate p.a.6.34%
Comparison rate*6.39%
Monthly on $600,000$3,730
over 30 years
ConditionsNone published
Rate p.a.6.44%
Comparison rate*6.49%
Monthly on $600,000$3,769
over 30 years
ConditionsNone published
Rate p.a.6.44%
Comparison rate*6.49%
Monthly on $600,000$3,769
over 30 years
ConditionsNone published
Showing 5 of 119 lendersMore: show all 119 lenders
*Comparison rates are calculated on a $150,000 secured loan 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. Fees and charges are payable.
Other products (101)
The rate depends on conditions the lender sets out in its own words, so these aren't ranked. The product page has the details.
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 90% or less
Rate p.a.6.04%
Comparison rate*6.04%
Monthly on $600,000$3,613
over 30 years
ConditionsNone published
Rate p.a.6.04%
Comparison rate*6.04%
Monthly on $600,000$3,613
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.6.14%
Comparison rate*6.41%
Monthly on $600,000$3,651
over 30 years
ConditionsNone published
Rate p.a.6.14%
Comparison rate*6.16%
Monthly on $600,000$3,651
over 30 years
ConditionsNone published
Rate p.a.6.14%
Comparison rate*6.16%
Monthly on $600,000$3,651
over 30 years
ConditionsNone published
Rate p.a.6.14%
Comparison rate*6.20%
Monthly on $600,000$3,651
over 30 years
ConditionsNone published
Rate p.a.6.18%
Comparison rate*6.38%
Monthly on $600,000$3,667
over 30 years
ConditionsNone published
Rate p.a.6.18%
Comparison rate*6.56%
Monthly on $600,000$3,667
over 30 years
ConditionsNone published
Rate p.a.6.19%
Comparison rate*6.21%
Monthly on $600,000$3,671
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.6.24%
Comparison rate*6.52%
Monthly on $600,000$3,690
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.24%
Comparison rate*6.52%
Monthly on $600,000$3,690
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.24%
Comparison rate*6.60%
Monthly on $600,000$3,690
over 30 years
ConditionsNone published
Rate p.a.6.29%
Comparison rate*6.57%
Monthly on $600,000$3,710
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.29%
Comparison rate*6.57%
Monthly on $600,000$3,710
over 30 years
Conditions
Package rate: an annual package fee usually applies
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.6.29%
Comparison rate*6.35%
Monthly on $600,000$3,710
over 30 years
ConditionsNone published
Rate p.a.6.34%
Comparison rate*6.37%
Monthly on $600,000$3,730
over 30 years
ConditionsNone published
Rate p.a.6.34%
Comparison rate*6.69%
Monthly on $600,000$3,730
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.34%
Comparison rate*6.40%
Monthly on $600,000$3,730
over 30 years
ConditionsNone published
Rate p.a.6.34%
Comparison rate*6.70%
Monthly on $600,000$3,730
over 30 years
ConditionsNone published
Rate p.a.6.34%
Comparison rate*6.35%
Monthly on $600,000$3,730
over 30 years
Conditions
LVR 70%–80%
Rate p.a.6.39%
Comparison rate*6.42%
Monthly on $600,000$3,749
over 30 years
ConditionsNone published
Rate p.a.6.39%
Comparison rate*6.74%
Monthly on $600,000$3,749
over 30 years
Conditions
Package rate: an annual package fee usually applies
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.6.44%
Comparison rate*6.44%
Monthly on $600,000$3,769
over 30 years
ConditionsNone published
Rate p.a.6.44%
Comparison rate*6.46%
Monthly on $600,000$3,769
over 30 years
ConditionsNone published
Rate p.a.6.44%
Comparison rate*6.57%
Monthly on $600,000$3,769
over 30 years
Conditions
LVR 70%–80%
Rate p.a.6.44%
Comparison rate*6.80%
Monthly on $600,000$3,769
over 30 years
ConditionsNone published
Rate p.a.6.49%
Comparison rate*6.49%
Monthly on $600,000$3,788
over 30 years
ConditionsNone published
Rate p.a.6.49%
Comparison rate*6.76%
Monthly on $600,000$3,788
over 30 years
ConditionsNone published
Rate p.a.6.49%
Comparison rate*6.51%
Monthly on $600,000$3,788
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.6.49%
Comparison rate*6.84%
Monthly on $600,000$3,788
over 30 years
ConditionsNone published
Rate p.a.6.49%
Comparison rate*6.84%
Monthly on $600,000$3,788
over 30 years
ConditionsNone published
Rate p.a.6.50%
Comparison rate*6.50%
Monthly on $600,000$3,792
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 70%–80%
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 70%–80%
Rate p.a.6.54%
Comparison rate*6.82%
Monthly on $600,000$3,808
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.54%
Comparison rate*6.89%
Monthly on $600,000$3,808
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.6.59%
Comparison rate*6.65%
Monthly on $600,000$3,828
over 30 years
ConditionsNone published
Rate p.a.6.63%
Comparison rate*6.91%
Monthly on $600,000$3,844
over 30 years
Conditions
Package rate: an annual package fee usually applies
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 70%–80%
Rate p.a.6.69%
Comparison rate*6.69%
Monthly on $600,000$3,868
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 100% or less
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 95% or less
Rate p.a.6.74%
Comparison rate*7.11%
Monthly on $600,000$3,888
over 30 years
Conditions
Package rate: an annual package fee usually applies
LVR 70%–80%
Rate p.a.6.74%
Comparison rate*7.11%
Monthly on $600,000$3,888
over 30 years
Conditions
Package rate: an annual package fee usually applies
LVR 70%–80%
Rate p.a.6.74%
Comparison rate*6.77%
Monthly on $600,000$3,888
over 30 years
ConditionsNone published
Rate p.a.6.74%
Comparison rate*7.09%
Monthly on $600,000$3,888
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.74%
Comparison rate*6.74%
Monthly on $600,000$3,888
over 30 years
ConditionsNone published
Rate p.a.6.74%
Comparison rate*7.11%
Monthly on $600,000$3,888
over 30 years
Conditions
Package rate: an annual package fee usually applies
LVR 70%–80%
Rate p.a.6.74%
Comparison rate*7.09%
Monthly on $600,000$3,888
over 30 years
ConditionsNone published
Rate p.a.6.74%
Comparison rate*7.11%
Monthly on $600,000$3,888
over 30 years
Conditions
Package rate: an annual package fee usually applies
LVR 70%–80%
Rate p.a.6.75%
Comparison rate*6.77%
Monthly on $600,000$3,892
over 30 years
ConditionsNone published
Rate p.a.6.79%
Comparison rate*7.07%
Monthly on $600,000$3,908
over 30 years
Conditions
Package rate: an annual package fee usually applies
Rate p.a.6.79%
Comparison rate*7.14%
Monthly on $600,000$3,908
over 30 years
ConditionsNone published
Rate p.a.6.79%
Comparison rate*6.80%
Monthly on $600,000$3,908
over 30 years
Conditions
LVR 70%–80%
Rate p.a.6.84%
Comparison rate*6.98%
Monthly on $600,000$3,928
over 30 years
ConditionsNone published
Rate p.a.6.84%
Comparison rate*7.00%
Monthly on $600,000$3,928
over 30 years
ConditionsNone published
Rate p.a.6.84%
Comparison rate*6.90%
Monthly on $600,000$3,928
over 30 years
ConditionsNone published
Rate p.a.6.89%
Comparison rate*6.95%
Monthly on $600,000$3,948
over 30 years
Conditions
LVR 75%–80%
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 90% or less
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 70%–80%
Rate p.a.7.04%
Comparison rate*7.39%
Monthly on $600,000$4,008
over 30 years
ConditionsNone published
Rate p.a.7.04%
Comparison rate*7.39%
Monthly on $600,000$4,008
over 30 years
ConditionsNone published
Rate p.a.7.04%
Comparison rate*7.39%
Monthly on $600,000$4,008
over 30 years
ConditionsNone published
Rate p.a.7.09%
Comparison rate*7.31%
Monthly on $600,000$4,028
over 30 years
ConditionsNone published
Rate p.a.7.09%
Comparison rate*7.31%
Monthly on $600,000$4,028
over 30 years
ConditionsNone published
Rate p.a.7.09%
Comparison rate*7.31%
Monthly on $600,000$4,028
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 90% or less
Rate p.a.7.24%
Comparison rate*7.36%
Monthly on $600,000$4,089
over 30 years
Conditions
LVR 70%–80%
Rate p.a.7.29%
Comparison rate*7.51%
Monthly on $600,000$4,109
over 30 years
ConditionsNone published
Rate p.a.7.29%
Comparison rate*7.51%
Monthly on $600,000$4,109
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 75%–80%
Rate p.a.7.29%
Comparison rate*7.51%
Monthly on $600,000$4,109
over 30 years
ConditionsNone published
Rate p.a.7.33%
Comparison rate*7.33%
Monthly on $600,000$4,126
over 30 years
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 75%–80%
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 80% or less
Rate p.a.7.94%
Comparison rate*8.13%
Monthly on $600,000$4,378
over 30 years
ConditionsNone published
Rate p.a.7.94%
Comparison rate*8.30%
Monthly on $600,000$4,378
over 30 years
ConditionsNone published
Rate p.a.8.05%
Comparison rate*8.38%
Monthly on $600,000$4,424
over 30 years
Conditions
Package rate: an annual package fee usually applies
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 95% or less
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 70%–80%
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Rate p.a.9.04%
Comparison rate*9.18%
Monthly on $600,000$4,845
over 30 years
Conditions
LVR 70%–80%
Rate p.a.9.05%
Comparison rate*9.19%
Monthly on $600,000$4,849
over 30 years
Conditions
LVR 70%–80%
People First and Heritage Bank
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 98% or less
Rate p.a.9.06%
Comparison rate*9.20%
Monthly on $600,000$4,854
over 30 years
Conditions
LVR 70%–80%
Rate p.a.9.08%
Comparison rate*9.22%
Monthly on $600,000$4,862
over 30 years
Conditions
LVR 70%–80%
Comparison rate*—
Monthly on $600,000—
ConditionsNone published
Comparison rate*—
Monthly on $600,000—
Conditions
LVR 90% or less
Monthly repayments assume the rate stays the same for 30 years and leave out fees. Offset and redraw are shown where the lender lists them in its Consumer Data Right data. Check eligibility and conditions with the lender before you apply. Work out repayments for your loan