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Lowest rates

The lowest rates on the panel today

Top 25 lowest interest rates across all panel lenders and product classes. Refreshed daily. Eligibility depends on LVR, security type, and your specific file.

Other categoriesFixed ratesVariable ratesInvestment ratesInterest-onlyCashback offersAll rates

  • Specialist lender

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

  • Mid-tier bank

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

  • Specialist lender

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

    Rate6.04 % p.a.Comp.6.09 % p.a.
    Redraw

  • Mid-tier bank

    Rate6.04 % p.a.Comp.6.13 % p.a.
    Redraw

  • Specialist lender

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

  • 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

  • Specialist lender

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

  • Credit union

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

  • Mid-tier bank

    Rate6.13 % p.a.Comp.6.16 % p.a.
    Redraw

  • Major bank

    Rate6.13 % p.a.Comp.6.41 % p.a.
    OffsetRedraw

  • Mutual bank

    Rate6.14 % p.a.Comp.6.14 % p.a.
    Redraw

  • Credit union

    Rate6.14 % p.a.Comp.6.46 % p.a.
    OffsetRedraw

  • Major bank

    Rate6.15 % p.a.Comp.6.15 % p.a.
    OffsetRedraw

  • Major bank

    Rate6.15 % p.a.Comp.6.43 % p.a.
    OffsetRedraw

  • Mid-tier bank

    Rate6.19 % p.a.Comp.6.22 % p.a.
    Redraw

  • Mutual bank

    Rate6.19 % p.a.Comp.6.30 % p.a.
    Redraw

  • Non-bank lender

    Rate6.23 % p.a.Comp.6.40 % p.a.
    OffsetRedraw

Rates last refreshed 29 July, 02:01 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 proposed rate, estimated fees and any commission for your application are set out in writing before lodgement; final terms are confirmed by the lender after its full assessment.

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.

Get a real rate

Lowest in the table isn't always lowest for you.

Eligibility for the lowest rates depends on LVR, security type, and your specific file. A broker will tell you which of these you actually qualify for, today.