Best Home Loan Rates September 2026: From 5.99%
Westpac's Flexi First Option online offer leads at 5.99% (LVR up to 70%). Compare owner-occupier P&I variable rates from major and online lenders — verified September 2026.
Last updated:
| Provider | Product | Rate↑ | Type | Key Features |
|---|---|---|---|---|
| Westpac | Flexi First Option (Online Offer) | 5.99% | variable |
|
| Macquarie | Basic Home Loan | 6.04% | variable |
|
| Ubank | Neat Home Loan | 6.09% | variable |
|
| Athena | Straight Up Home Loan | 6.39% | variable |
|
Westpac
Flexi First Option (Online Offer)
5.99%
variable- •Online offer: 2.09% life-of-loan discount (excludes internal Westpac Group refinances)
- •LVR up to 70%; 6.09% for LVR 70–80%
- •Owner-occupier P&I
- •Comparison rate 6.00%
Macquarie
Basic Home Loan
6.04%
variable- •Owner-occupier P&I
- •LVR up to 60%, new loans
- •No ongoing fees
- •Comparison rate 6.06%
Ubank
Neat Home Loan
6.09%
variable- •Owner-occupier P&I
- •LVR up to 70%; 6.14% for LVR up to 80%
- •No annual fees
- •Unlimited extra repayments + free redraw
- •Comparison rate 6.11%
Athena
Straight Up Home Loan
6.39%
variable- •Owner-occupier P&I
- •LVR 70–80% tier; 6.34% (60–70%), 6.29% (50–60%), 6.24% (up to 50%)
- •No fees
- •Rate steps down automatically as your LVR tier falls
- •Redraw and unlimited extra repayments
- •Comparison rate 6.35%
Rates sourced from provider websites and updated periodically. Always verify directly with the provider before applying — rates and conditions change without notice. This information is general in nature and does not constitute financial advice.