💰 Cashback Offers
$2,000
Commonwealth Bank
Min loan: $250k • New customers
Expires: 2026-06-30
$3,000
Westpac
Min loan: $400k • New customers
Expires: 2026-06-30
$2,000
ANZ
Min loan: $250k • New customers
Expires: 2026-06-30
$2,000
NAB
Min loan: $250k
Expires: 2026-05-31
$3,000
Macquarie Bank
Min loan: $500k • New customers
Expires: 2026-06-30
$3,000
ING
Min loan: $500k • New customers
Expires: 2026-05-31
📊 Compare All Lenders
Commonwealth Bank
Major Bank
From
5.84%
Standard Variable
7.09%
Comparison: 7.17%
Offset accountRedraw facility
Extra Home Loan
5.84%
Comparison: 5.92%
Competitive rateOffset account
Fixed 2 Year
6.29%
Comparison: 6.42%
Rate lock availableSplit loan option
Fixed 3 Year
6.19%
Comparison: 6.32%
Rate lock availableSplit loan option
Lowest Big 4 variable
Westpac
Major Bank
From
5.74%
Flexi First Option
7.04%
Comparison: 7.11%
100% offsetRedraw
Premier Advantage
5.74%
Comparison: 5.82%
Lowest Big 4 variableOffset account
Fixed 2 Year
6.39%
Comparison: 6.52%
Rate lockExtra repayments up to $30k/year
Fixed 3 Year
6.29%
Comparison: 6.42%
Split loan option
ANZ
Major Bank
From
6%
Standard Variable
7.14%
Comparison: 7.21%
Offset accountRedraw
Simplicity PLUS
6%
Comparison: 6.08%
No annual feeUnlimited extra repayments
Fixed 2 Year
6.34%
Comparison: 6.49%
Rate lock for 90 days
Fixed 3 Year
6.24%
Comparison: 6.39%
Rate lock available
NAB
Major Bank
From
5.74%
Base Variable
6.99%
Comparison: 7.06%
No ongoing feesUnlimited extra repayments
Tailored Home Loan
6.19%
Comparison: 6.27%
Offset accountRedraw facility
Fixed 2 Year
6.34%
Comparison: 6.49%
Rate lockOffset available
Fixed 3 Year
6.24%
Comparison: 6.39%
Competitive fixed rate
Fixed 1 Year
5.74%
Comparison: 6.21%
Lowest Big 4 fixed rateMax 60% LVR
Ubank
Online Lender
From
6.19%
Neat Home Loan
6.49%
Comparison: 6.49%
No feesQuick online approval
Fixed 2 Year
6.19%
Comparison: 6.19%
No ongoing fees
ING
Online Lender
From
6.24%
Orange Advantage
6.64%
Comparison: 6.64%
Offset accountNo monthly fees
Fixed 2 Year
6.24%
Comparison: 6.29%
No application fee
Macquarie Bank
Bank
From
6.09%
Basic Variable
6.54%
Comparison: 6.56%
Low rateRedraw facility
Fixed 2 Year
6.09%
Comparison: 6.16%
Rate lock available
No fees ever
Athena
Non-bank Lender
From
6.39%
Straight Up
6.39%
Comparison: 6.39%
No fees everAuto rate match
Lowest variable rate
loans.com.au
Non-bank Lender
From
5.99%
Smart Home Loan
6.34%
Comparison: 6.36%
100% offsetLow fees
Fixed 2 Year
5.99%
Comparison: 6.04%
Rate lock
Tic:Toc
Non-bank Lender
From
6.44%
Variable
6.44%
Comparison: 6.44%
22-minute approvalNo ongoing fees
Important: Rates shown are indicative and subject to change. Comparison rates based on $150,000 loan over 25 years. Actual rates depend on individual circumstances. Always confirm rates directly with lenders. Updated April 2026 following the RBA's March rate decision.
Data sourced from Reserve Bank of Australia and lender websites.