2-year fixed home loan rates we track
Ranked by advertised rate, the leading 2-year fixed home loan we track is Unity Bank's at 6.44% comparison (6.35% 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 2-year fixed owner-occupier home loan rates, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Unity BankBestFixed Rate Home Loan, 2-year term | Fixed 2yr | 6.35% | 6.44% | — | link |
Greater BankGreat Rate Home Loan, 2-year fixed | Fixed 2yr | 6.44% | 7.77% | — | link |
UpUp Home Fixed Term Loan | Fixed 2yr | 6.45% | 6.25% | — | link |
IMB Bank2-year Fixed Rate Home Loan | Fixed 2yr | 6.49% | 6.56% | — | link |
People First BankFixed Rate Home Loan, 2-year term (<=80% LVR) | Fixed 2yr | 6.54% | 6.38% | — | link |
HeritageStandard Fixed Rate Home Loan | Fixed 2yr | 6.54% | 8.54% | 95% | link |
MacquarieBig 5Fixed Rate | Fixed 2yr | 6.59% | 6.37% | 70% | link |
INGFixed Rate Home Loan | Fixed 2yr | 6.59% | 6.38% | 70% | link |
P&N BankFixed Home Loan (P&I), 2-year term | Fixed 2yr | 6.59% | 6.58% | — | link |
BendigoFlex Home Loan | Fixed 2yr | 6.59% | 6.64% | 50% | link |
Beyond BankFixed Total Home Loan Package | Fixed 2yr | 6.59% | 7.17% | 80% | link |
Bank of ChinaFixed Rate Home Loan, 2-year term | Fixed 2yr | 6.59% | 8.39% | — | link |
AMP BankProfessional Package fixed rate, 2-year term | Fixed 2yr | 6.64% | 7.42% | — | link |
MyState BankFixed Rate Loan, 2-year term | Fixed 2yr | 6.64% | 8.24% | — | link |
Teachers Mutual BankYour Way fixed rate, 2-year term | Fixed 2yr | 6.74% | 6.60% | — | link |
RACQ Bank2-year Fixed Home Loan, owner-occupier | Fixed 2yr | 6.74% | 6.98% | — | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 2yr | 6.74% | 7.03% | 70% | link |
Bank of MelbourneFixed Rate Home Loan, 2-year term | Fixed 2yr | 6.74% | 7.03% | — | link |
BankSAFixed Rate Home Loan, 2-year term | Fixed 2yr | 6.74% | 7.03% | — | link |
St.GeorgeFixed Rate Home Loan, 2-year term | Fixed 2yr | 6.74% | 7.03% | — | link |
ANZBig 5Fixed Rate Home Loan | Fixed 2yr | 6.74% | 7.34% | 80% | link |
Great Southern BankFixed Rate Home Loan | Fixed 2yr | 6.75% | 8.00% | — | link |
Qudos BankFixed Rate Home Loan | Fixed 2yr | 6.79% | 6.47% | 80% | link |
BOQFixed Rate (discount) | Fixed 2yr | 6.79% | 6.59% | 80% | link |
Bank AustraliaFixed Rate | Fixed 2yr | 6.79% | 6.65% | 80% | link |
UbankFlex Fixed | Fixed 2yr | 6.79% | 6.67% | 60% | link |
ME BankFixed Rate | Fixed 2yr | 6.79% | 6.77% | 60% | link |
NABBig 5Fixed Rate Home Loan | Fixed 2yr | 6.81% | 7.12% | 80% | link |
CBABig 5Fixed Rate (Wealth Package) | Fixed 2yr | 6.82% | 8.38% | — | link |
BankwestFixed Rate Home Loan, 2-year term | Fixed 2yr | 6.89% | 8.81% | — | link |
Bank of SydneyExpect More Home Loan fixed rate, 2-year term | Fixed 2yr | 7.29% | 6.10% | — | link |