Cheapest 4-year fixed home loan rates

Ranked by comparison rate, the leading 4-year fixed home loan in Australia today is Macquarie's at 6.21% comparison (6.44% advertised) - rates as at 2026-09-13.

Australian 4-year fixed owner-occupier home loan rates, ranked by comparison rate.

Lender	Type	Advertised	Comparison	Max LVR	Lender link
MacquarieBestBig 5Fixed Rate	Fixed 4yr	6.44%	6.21%	70%	link
NABBig 5Fixed Rate Home Loan	Fixed 4yr	6.49%	6.81%	80%	link
WestpacBig 5Fixed Options Home Loan (Pkg)	Fixed 4yr	6.69%	6.88%	70%	link
ANZBig 5Fixed Rate Home Loan	Fixed 4yr	6.54%	6.98%	80%	link