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Rates · refreshed daily

What the panel is quoting, today.

Live across 60+ Australian lenders. The rate you'll be offered depends on your file — these are the starting points we work from on every call.

Browse byFixed rates · 1–5 year fixed termsVariable rates · Variable with offset / redrawInvestment rates · Investor pricingInterest-only · IO terms (typically 5 years)Cashback offers · Refinance cashback offersLowest rates · Top 25 lowest on panel

Owner-occupier · Variable · Principal & interest

Today’s 15 sharpest variable rates

See all 25 lowest →

  • Specialist lender

    Rate5.94 % p.a.Comp.5.94 % p.a.
    Redraw

  • Specialist lender

    Rate5.98 % p.a.Comp.6.11 % p.a.
    Redraw

  • Mid-tier bank

    Rate5.99 % p.a.Comp.5.99 % p.a.
    Redraw

  • Credit union

    Rate5.99 % p.a.Comp.5.99 % p.a.
    Redraw

  • Mid-tier bank

    Rate5.99 % p.a.Comp.6.01 % p.a.
    Redraw

  • Mid-tier bank

    Rate5.99 % p.a.Comp.6.04 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.04 % p.a.Comp.6.04 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.04 % p.a.Comp.6.07 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.08 % p.a.Comp.6.08 % p.a.
    Redraw

  • Non-bank lender

    Rate6.08 % p.a.Comp.6.28 % p.a.
    OffsetRedraw

  • Non-bank lender

    Rate6.09 % p.a.Comp.6.12 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.09 % p.a.Comp.6.14 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.09 % p.a.Comp.6.14 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.09 % p.a.Comp.6.18 % p.a.
    Redraw

  • Credit union

    Rate6.13 % p.a.Comp.6.13 % p.a.
    Redraw

Rates last refreshed 8 July, 02:00 am · indicative rate basis: owner-occupier · $500,000 loan · $800,000 property · 62.5% LVR · 25-year term

Rates are sourced directly from each lender's broker channel and refreshed daily. Indicative starting rates shown are based on a representative loan of $500,000 over 25 years (62.5% LVR). They are indicative only — final pricing depends on loan amount, LVR, security type, income evidence, and credit history. The Credit Quote we provide before lodgement contains the rate, fees, and commission applicable to your specific application.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are based on a loan amount of $150,000 over a loan term of 25 years.

All rates subject to lender credit assessment and policy. Indicative only. Authorised under LMG Broker Services Pty Ltd · ACL 517192.

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