Best Home Loan Rates April 2026: From 5.49%
Westpac's online refinance special leads at 5.49%. Compare owner-occupier P&I variable rates from major and online lenders — verified April 2026.
Last updated:
| Provider | Product | Rate↑ | Type | Key Features |
|---|---|---|---|---|
| Westpac | Flexi First Option (Online Refinance) | 5.49% | variable |
|
| Athena | Bare Home Loan (Straight Up) | 5.79% | variable |
|
| Macquarie | Basic Home Loan | 5.84% | variable |
|
| Ubank | Neat Home Loan | 5.89% | variable |
|
Westpac
Flexi First Option (Online Refinance)
5.49%
variable- •Special online refinance offer
- •LVR up to 70%
- •Owner-occupier P&I
- •Big-four with discount pricing
Athena
Bare Home Loan (Straight Up)
5.79%
variable- •Owner-occupier P&I
- •LVR up to 80%
- •No fees
- •AcceleRATES auto rate-drops as LVR falls
- •Free redraw
Macquarie
Basic Home Loan
5.84%
variable- •Owner-occupier P&I
- •LVR up to 60%
- •No annual fee
- •Repriced 2 April 2026 after RBA hike
Ubank
Neat Home Loan
5.89%
variable- •Owner-occupier P&I
- •LVR up to 80%
- •No annual fees
- •Unlimited extra repayments + free redraw
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.