Independent leaderboardRates as at 13 Sept 2026
Australia's best home loan rates
The most competitive home loan in Australia today is the Up Home Variable Rate Loan at 5.95% comparison (5.95% advertised). RatesBoard tracks 101 products across 17 lenders, ranked by comparison rate.
| Lender | Type | Rate move | Lender link | ||
|---|---|---|---|---|---|
UpBestUp Home Variable Rate Loan | Variable | 5.95% | +0.50% | 90% | link |
WestpacBig 5Flexi First Option Home Loan | Variable | 5.99% | −0.40% | 70% | link |
HeritageDiscount Variable Home Loan | Variable | 5.99% | +0.25% | 70% | link |
ME BankEconoME Home Loan | Variable | 5.99% | −0.09% | 70% | link |
INGMortgage Simplifier | Variable | 5.99% | −0.30% | 70% | link |
BOQEconomy Variable Home Loan | Variable | 6.03% | −0.11% | 70% | link |
MacquarieBig 5Basic Home Loan | Variable | 6.04% | −0.05% | 70% | link |
Great Southern BankBasic Variable Home Loan | Variable | 6.04% | −0.10% | 70% | link |
Bendigo1Easy Home Loan | Variable | 6.09% | +0.25% | 60% | link |
Ubank1Neat Variable | Variable | 6.09% | +0.50% | 70% | link |