Independent leaderboardRates as at 14 Nov 2026
Australia's best home loan rates
RatesBoard tracks 195 home loan products from 31 lenders, ranked by advertised rate.
Since the 3 Nov 2026 RBA decision, 22 of the 31 lenders we track have changed a variable rate in their published data. Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. See which lenders and when
Rate of the day
6.18%Rate p.a.
6.38%Comparison rate
Bank of ChinaOwner-occupier · Variable · P&I · ≤80% LVR
Monthly repaymentson $700,000 · 30 yrs · P&I
$4,278| Lender | Rate Move | Type | Features | Lender link | |
|---|---|---|---|---|---|
Bank of ChinaBest8Discount Home Loan - owner-occupier, P&I | 6.18% | +0.25% | Variable | - | link |
Heritage11Discount Variable Home Loan | 6.24% | +0.25% | Variable | Redrawextra repays | link |
People First Bank11Basic Variable Home Loan - owner-occupier, P&I, <=70% LVR | 6.24% | 0% | Variable | - | link |
Bank of SydneyBOS Basic Home Loan - owner-occupier, P&I | 6.24% | +0.15% | Variable | - | link |
Unity Bank11Momentum Home Loan - variable, owner-occupier, P&I | 6.24% | +0.25% | Variable | - | link |
MacquarieBig 56Basic Home Loan | 6.29% | +0.25% | Variable | Redraw freeno annual fee | link |
Greater Bank7Great Rate Home Loan (incl. discounted rate) - variable, owner-occupier, P&I | 6.34% | +0.25% | Variable | - | link |
Beyond Bank19Purple Basic Variable Home Loan | 6.34% | +0.25% | Variable | Redraw | link |
Bank Australia8Basic Home Loan | 6.38% | +0.25% | Variable | Redraw fee-free | link |
Qudos Bank8No Frills Home Loan | 6.38% | +0.25% | Variable | Redraw | link |