Cheapest 3-year fixed home loan rates
Ranked by comparison rate, the leading 3-year fixed home loan in Australia today is Up's at 6.06% comparison (6.35% advertised) - rates as at 2026-09-13.
Australian 3-year fixed owner-occupier home loan rates, ranked by comparison rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
UpBestUp Home Fixed Term Loan | Fixed 3yr | 6.35% | 6.06% | — | link |
MacquarieBig 5Fixed Rate | Fixed 3yr | 6.39% | 6.16% | 70% | link |
Bank AustraliaFixed Rate | Fixed 3yr | 6.49% | 6.24% | 80% | link |
Qudos BankFixed Rate Home Loan | Fixed 3yr | 6.49% | 6.24% | 80% | link |
BOQFixed Rate (discount) | Fixed 3yr | 6.29% | 6.31% | 80% | link |
INGFixed Rate Home Loan | Fixed 3yr | 6.49% | 6.34% | 70% | link |
BendigoFlex Home Loan | Fixed 3yr | 6.49% | 6.45% | 50% | link |
UbankFlex Fixed | Fixed 3yr | 6.59% | 6.47% | 60% | link |
ME BankFixed Rate | Fixed 3yr | 6.29% | 6.53% | 60% | link |
SuncorpFixed (Home Package Plus) | Fixed 3yr | 6.44% | 6.61% | 80% | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 3yr | 6.54% | 6.81% | 70% | link |
NABBig 5Fixed Rate Home Loan | Fixed 3yr | 6.49% | 6.83% | 80% | link |
Beyond BankFixed Total Home Loan Package | Fixed 3yr | 6.59% | 6.97% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 3yr | 6.49% | 7.02% | 80% | link |
Great Southern BankFixed Rate Home Loan | Fixed 3yr | 6.50% | 7.62% | — | link |
CBABig 5Fixed Rate (Wealth Package) | Fixed 3yr | 6.59% | 7.83% | — | link |
HeritageStandard Fixed Rate Home Loan | Fixed 3yr | 6.29% | 8.08% | 95% | link |