The average variable home loan costs about $160 a month more than the market's lowest.
Based on a $731,000 (The average new loan for a home to live in, June quarter 2026. Source: Australian Bureau of Statistics.) loan over 30 years, at 6.39% vs 6.05% comparison rate.
Real rates and fees from across the market, taken straight from each provider’s own published data rather than their marketing pages. No sign-up, no application, just comparison.
Short on time? Compare rates and fees in a few clicks
Find what you need to do and go straight to the comparison table, the calculators and the plain-English guides for it.
Compare Home Loans for owner occupiers and investors on interest rates, comparison rates, fees and features. Then work out your repayments, borrowing power and stamp duty.
Compare Home LoansCompare high interest Savings Accounts on base and bonus rates, and see the conditions each bank sets before it pays the bonus, such as a minimum monthly deposit or no withdrawals.
Compare Savings AccountsCompare Term Deposits from Australian banks on interest rates for terms from one month to five years, plus minimum deposits and how often interest is paid.
Compare Term DepositsCompare super funds on fees and net returns across MySuper and Choice products, and project the retirement income your super could pay.
Compare Super FundsCompare electricity and gas plans in your area on usage rates, daily supply charges and solar feed-in tariffs.
Compare Energy PlansBorrowing
What borrowing really costs, from each lender’s own published numbers.
Home Loans
Variable and fixed home loan rates, fees and features.
CompareCredit Cards
Purchase rates, annual fees, interest-free days and rewards.
ComparePersonal Loans
Fixed and variable rates, fees and repayments for secured and unsecured loans.
CompareCar Loans
New and used car loan rates, comparison rates and repayment estimates.
CompareSavings, Super and Bills
What your money earns, and what your bills really cost.
Savings Accounts
Base and bonus rates across high-interest savings accounts.
CompareTerm Deposits
Lock in a fixed rate for terms from 1 month to 5 years.
CompareSuperannuation
Fees and net returns across MySuper products.
CompareEnergy
Electricity and gas plans: usage rates, supply charges and solar feed-in tariffs.
CompareFeatured
Picked out by our editors from across the site.
Learn
What the words mean and what’s actually happening in each market, written for anyone doing this for the first time.
Finance Jargon, Explained
Comparison rate, LVR, offset, bonus rate, balloon payment, supply charge. What the words on every table actually mean.
Read the GuideGuides
Plain-English guides to choosing between products in each category, built on today’s live rates.
Browse the GuidesNews
What’s moved and what it means for you: rate decisions, lender moves and the market week by week.
Read the LatestCalculators and Tools
Free tools with no sign-up, for working the numbers out before you compare a single product. Estimates only, not personal advice or credit advice.
Where the numbers come from
- providers tracked across banking, super and energy
- 198
- banking products re-checked every day
- 2,977
- rate changes spotted this month
- 1,489
Straight from the source
Banking rates and fees come from each provider’s official product data, the same data they’re required to publish. Super figures come from what funds report to the super regulator, APRA. Energy plans come from each retailer’s published plan data, through the government’s Energy Made Easy service.
Checked every day
We re-check against the source regularly and show you the date we last did it, on every page of the site.
Not a bank, not a broker
We don’t take applications or give credit advice. We lay the options out side by side, so the choice stays yours.
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. 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.
*Warning: the comparison rates shown for personal loans and car loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. 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.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and terms and conditions or credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.