Variable from 5.84% | 2yr Fixed from 5.69% | RBA Cash Rate 3.6% Compare All Rates →

Compare Mortgage Rates Australia

Live rates from 10 lenders • Updated 2026-02-02

Lowest Variable
5.84%
p.a.
Lowest 2yr Fixed
5.69%
p.a.
RBA Cash Rate
3.6%
Since 2025-12-10
Average Variable
6.21%
Across all lenders

💰 Cashback Offers

$2,000
Commonwealth Bank
Min loan: $250k • New customers
Expires: 2026-03-31
$3,000
Westpac
Min loan: $400k • New customers
Expires: 2026-02-28
$2,000
ANZ
Min loan: $250k • New customers
Expires: 2026-03-31
$2,000
NAB
Min loan: $250k
Expires: 2026-02-28
$3,000
Macquarie Bank
Min loan: $500k • New customers
Expires: 2026-03-31
$3,000
ING
Min loan: $500k • New customers
Expires: 2026-02-28

📊 Compare All Lenders

Commonwealth Bank
Major Bank
From 5.89%
Standard Variable
6.59%
Comparison: 6.67%
Offset accountRedraw facility
Fixed 2 Year
5.99%
Comparison: 6.12%
Rate lock availableSplit loan option
Fixed 3 Year
5.89%
Comparison: 6.02%
Rate lock availableSplit loan option
Lowest 3-year fixed
Westpac
Major Bank
From 5.49%
Flexi First Option
6.54%
Comparison: 6.61%
100% offsetRedraw
Fixed 2 Year
5.94%
Comparison: 6.07%
Rate lockExtra repayments up to $30k/year
Fixed 3 Year
5.49%
Comparison: 5.88%
Lowest advertised fixed rate
ANZ
Major Bank
From 5.84%
Standard Variable
6.64%
Comparison: 6.71%
Offset accountRedraw
Fixed 2 Year
5.99%
Comparison: 6.14%
Rate lock for 90 days
Fixed 3 Year
5.84%
Comparison: 5.99%
Rate lock available
NAB
Major Bank
From 5.79%
Base Variable
6.49%
Comparison: 6.56%
No ongoing feesUnlimited extra repayments
Fixed 2 Year
5.89%
Comparison: 6.04%
Rate lockOffset available
Fixed 3 Year
5.79%
Comparison: 5.94%
Competitive fixed rate
Lowest variable rate
Ubank
Online Lender
From 5.79%
Neat Home Loan
5.99%
Comparison: 5.99%
No feesQuick online approval
Fixed 2 Year
5.79%
Comparison: 5.79%
No ongoing fees
ING
Online Lender
From 5.84%
Orange Advantage
6.14%
Comparison: 6.14%
Offset accountNo monthly fees
Fixed 2 Year
5.84%
Comparison: 5.89%
No application fee
Macquarie Bank
Bank
From 5.69%
Basic Variable
6.04%
Comparison: 6.06%
Low rateRedraw facility
Fixed 2 Year
5.69%
Comparison: 5.76%
Rate lock available
No fees ever
Athena
Non-bank Lender
From 5.89%
Straight Up
5.89%
Comparison: 5.89%
No fees everAuto rate match
loans.com.au
Non-bank Lender
From 5.69%
Smart Home Loan
5.84%
Comparison: 5.86%
100% offsetLow fees
Fixed 2 Year
5.69%
Comparison: 5.74%
Rate lock
Tic:Toc
Non-bank Lender
From 5.94%
Variable
5.94%
Comparison: 5.94%
22-minute approvalNo ongoing fees

Important: Rates shown are indicative and subject to change. Comparison rates based on $150,000 loan over 25 years. Actual rates depend on individual circumstances. Always confirm rates directly with lenders.

Data sourced from Reserve Bank of Australia and lender websites.