3-year fixed home loan rates we track
Ranked by advertised rate, the leading 3-year fixed home loan we track is Greater Bank's at 7.61% 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 3-year fixed owner-occupier home loan rates, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Greater BankBestGreat Rate Home Loan, 3-year fixed | Fixed 3yr | 6.39% | 7.61% | — | link |
IMB Bank3-year Fixed Rate Home Loan | Fixed 3yr | 6.49% | 6.57% | — | link |
Unity BankFixed Rate Home Loan, 3-year term | Fixed 3yr | 6.50% | 6.59% | — | link |
People First BankFixed Rate Home Loan, 3-year term (<=80% LVR) | Fixed 3yr | 6.54% | 6.40% | — | link |
HeritageStandard Fixed Rate Home Loan | Fixed 3yr | 6.54% | 8.32% | 95% | link |
UpUp Home Fixed Term Loan | Fixed 3yr | 6.55% | 6.30% | — | link |
MacquarieBig 5Fixed Rate | Fixed 3yr | 6.59% | 6.40% | 70% | link |
Bank AustraliaFixed Rate | Fixed 3yr | 6.59% | 6.63% | 80% | link |
P&N BankFixed Home Loan (P&I), 3-year term | Fixed 3yr | 6.69% | 6.61% | — | link |
BendigoFlex Home Loan | Fixed 3yr | 6.69% | 6.68% | 50% | link |
Beyond BankFixed Total Home Loan Package | Fixed 3yr | 6.69% | 7.17% | 80% | link |
AMP BankProfessional Package fixed rate, 3-year term | Fixed 3yr | 6.69% | 7.35% | — | link |
MyState BankFixed Rate Loan, 3-year term | Fixed 3yr | 6.69% | 8.09% | — | link |
INGFixed Rate Home Loan | Fixed 3yr | 6.74% | 6.45% | 70% | link |
RACQ Bank3-year Fixed Home Loan, owner-occupier | Fixed 3yr | 6.74% | 6.96% | — | link |
Great Southern BankFixed Rate Home Loan | Fixed 3yr | 6.75% | 7.86% | — | link |
Bank of ChinaFixed Rate Home Loan, 3-year term | Fixed 3yr | 6.79% | 8.26% | — | link |
BOQFixed Rate (discount) | Fixed 3yr | 6.84% | 6.64% | 80% | link |
Teachers Mutual BankYour Way fixed rate, 3-year term | Fixed 3yr | 6.84% | 6.68% | — | link |
UbankFlex Fixed | Fixed 3yr | 6.84% | 6.72% | 60% | link |
ME BankFixed Rate | Fixed 3yr | 6.84% | 6.83% | 60% | link |
Qudos BankFixed Rate Home Loan | Fixed 3yr | 6.89% | 6.53% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 3yr | 6.89% | 7.32% | 80% | link |
CBABig 5Fixed Rate (Wealth Package) | Fixed 3yr | 6.89% | 8.26% | — | link |
NABBig 5Fixed Rate Home Loan | Fixed 3yr | 6.92% | 7.13% | 80% | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 3yr | 6.94% | 7.10% | 70% | link |
Bank of MelbourneFixed Rate Home Loan, 3-year term | Fixed 3yr | 6.94% | 7.10% | — | link |
BankSAFixed Rate Home Loan, 3-year term | Fixed 3yr | 6.94% | 7.10% | — | link |
St.GeorgeFixed Rate Home Loan, 3-year term | Fixed 3yr | 6.94% | 7.10% | — | link |
BankwestFixed Rate Home Loan, 3-year term | Fixed 3yr | 6.99% | 8.63% | — | link |