Best Home Loan Rates in Australia
Compare the lowest variable home loan interest rates from Australian lenders. Owner-occupier, principal & interest. Updated March 2026.
Last updated:
| Provider | Product | Rate↑ | Type | Key Features |
|---|---|---|---|---|
| Athena | Home Loan | 5.99% | variable |
|
| Ubank | Neat Home Loan | 6.04% | variable |
|
| Tic:Toc | Home Loan | 6.09% | variable |
|
| loans.com.au | Smart Home Loan | 6.14% | variable |
|
| Macquarie | Basic Home Loan | 6.19% | variable |
|
| ING | Mortgage Simplifier | 6.24% | variable |
|
| Bankwest | Complete Home Loan | 6.29% | variable |
|
| ANZ | Simplicity Plus | 6.34% | variable |
|
| CBA | Extra Home Loan | 6.44% | variable |
|
| Westpac | Flexi First Option | 6.49% | variable |
|
| NAB | Base Variable | 6.54% | variable |
|
| St George | Basic Home Loan | 6.59% | variable |
|
Athena
Home Loan
5.99%
variable- •No fees
- •Auto rate-match
- •Owner-occupier P&I
Ubank
Neat Home Loan
6.04%
variable- •No annual fees
- •Offset account
- •Owner-occupier P&I
Tic:Toc
Home Loan
6.09%
variable- •No ongoing fees
- •Fast online approval
- •Owner-occupier P&I
loans.com.au
Smart Home Loan
6.14%
variable- •No application fees
- •No ongoing fees
- •Owner-occupier P&I
Macquarie
Basic Home Loan
6.19%
variable- •Offset available
- •No annual fee
- •Owner-occupier P&I
ING
Mortgage Simplifier
6.24%
variable- •No monthly fees
- •Free extra repayments
- •Owner-occupier P&I
Bankwest
Complete Home Loan
6.29%
variable- •Offset account
- •Redraw facility
- •Owner-occupier P&I
ANZ
Simplicity Plus
6.34%
variable- •No annual fee
- •Unlimited redraws
- •Owner-occupier P&I
CBA
Extra Home Loan
6.44%
variable- •Offset account
- •Redraw
- •Owner-occupier P&I
Westpac
Flexi First Option
6.49%
variable- •Offset account
- •Rate lock available
- •Owner-occupier P&I
NAB
Base Variable
6.54%
variable- •No annual fee
- •Redraw facility
- •Owner-occupier P&I
St George
Basic Home Loan
6.59%
variable- •No ongoing fees
- •Redraw available
- •Owner-occupier P&I
Rates sourced from provider websites. Always verify with the provider before applying. Rates are subject to change without notice and may be subject to conditions.