1-year fixed home loan rates we track
Ranked by advertised rate, the leading 1-year fixed home loan we track is Teachers Mutual Bank's at 6.51% comparison (6.39% advertised) - rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Australian 1-year fixed owner-occupier home loan rates, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Teachers Mutual BankBestYour Way fixed rate, 1-year term | Fixed 1yr | 6.39% | 6.51% | — | link |
Greater BankGreat Rate Home Loan, 1-year fixed | Fixed 1yr | 6.44% | 7.94% | — | link |
UpUp Home Fixed Term Loan | Fixed 1yr | 6.45% | 6.23% | — | link |
MacquarieBig 5Fixed Rate | Fixed 1yr | 6.49% | 6.34% | 70% | link |
People First BankFixed Rate Home Loan, 1-year term (<=80% LVR) | Fixed 1yr | 6.49% | 6.36% | — | link |
IMB Bank1-year Fixed Rate Home Loan | Fixed 1yr | 6.49% | 6.56% | — | link |
P&N BankFixed Home Loan (P&I), 1-year term | Fixed 1yr | 6.49% | 6.56% | — | link |
HeritageStandard Fixed Rate Home Loan | Fixed 1yr | 6.49% | 8.78% | 95% | link |
Unity BankFixed Rate Home Loan, 1-year term | Fixed 1yr | 6.50% | 6.59% | — | link |
BendigoFlex Home Loan | Fixed 1yr | 6.59% | 6.63% | 50% | link |
Bank of ChinaFixed Rate Home Loan, 1-year term | Fixed 1yr | 6.59% | 8.60% | — | link |
INGFixed Rate Home Loan | Fixed 1yr | 6.64% | 6.35% | 70% | link |
AMP BankProfessional Package fixed rate, 1-year term | Fixed 1yr | 6.64% | 7.50% | — | link |
MyState BankFixed Rate Loan, 1-year term | Fixed 1yr | 6.64% | 8.45% | — | link |
RACQ Bank1-year Fixed Home Loan, owner-occupier | Fixed 1yr | 6.69% | 7.00% | — | link |
ANZBig 5Fixed Rate Home Loan | Fixed 1yr | 6.69% | 7.41% | 80% | link |
Qudos BankFixed Rate Home Loan | Fixed 1yr | 6.74% | 6.43% | 80% | link |
Bank AustraliaFixed Rate | Fixed 1yr | 6.74% | 6.60% | 80% | link |
UbankFlex Fixed | Fixed 1yr | 6.74% | 6.62% | 60% | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 1yr | 6.74% | 7.02% | 70% | link |
Bank of MelbourneFixed Rate Home Loan, 1-year term | Fixed 1yr | 6.74% | 7.02% | — | link |
BankSAFixed Rate Home Loan, 1-year term | Fixed 1yr | 6.74% | 7.02% | — | link |
St.GeorgeFixed Rate Home Loan, 1-year term | Fixed 1yr | 6.74% | 7.02% | — | link |
Great Southern BankFixed Rate Home Loan | Fixed 1yr | 6.75% | 8.15% | — | link |
CBABig 5Fixed Rate (Wealth Package) | Fixed 1yr | 6.78% | 8.53% | — | link |
NABBig 5Fixed Rate Home Loan | Fixed 1yr | 6.79% | 7.14% | 80% | link |
BankwestFixed Rate Home Loan, 1-year term | Fixed 1yr | 6.79% | 9.03% | — | link |
ME BankFixed Rate | Fixed 1yr | 6.89% | 6.77% | 60% | link |
Beyond BankFixed Total Home Loan Package | Fixed 1yr | 6.89% | 7.23% | 80% | link |
Bank of SydneyExpect More Home Loan fixed rate, 1-year term | Fixed 1yr | 7.29% | 6.52% | — | link |