Best Rates

Interest rates below as of: 1 Feb 2025

This could (hopefully) be out of date within a few weeks!

Interestingly, there has been a slight downward movement in all rates over the past few months so watch out if the Reserve Bank of Australia (RBA) steps in and announces a reduction in the cash rate. (For the nerds, the cash rate is the interest rate that banks pay to borrow money from other banks overnight).

Please note: these rates exclude clean energy rates, first home buyer rates and packages and construction loan rates and an Offset feature (where applicable).

- Owner Occupiers

Principal and Interest

Fixed Rates: from 5.55% pa - 2 and 3 year terms

Variable Rates: from 5.78% pa (excluding 'clean energy' loans)

Interest Only

Fixed Rates: from 5.85% pa - 2 and 3 year terms

Variable Rates: from 6.39% pa

- Investors

Principal & Interest

Fixed Rates: from 5.69% pa - 2 and 3 year terms

Variable Rates: from 6.18% pa

Interest Only

Fixed Rates: from 5.85% pa - 2 and 3 year terms

Variable Rates: from 6.34% pa