4-year fixed home loan rates we track
Ranked by advertised rate, the leading 4-year fixed home loan we track is People First Bank's at 6.42% comparison (6.54% 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 4-year fixed owner-occupier home loan rates, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
People First BankBestFixed Rate Home Loan, 4-year term (<=80% LVR) | Fixed 4yr | 6.54% | 6.42% | — | link |
Greater BankGreat Rate Home Loan, 4-year fixed | Fixed 4yr | 6.54% | 7.53% | — | link |
MacquarieBig 5Fixed Rate | Fixed 4yr | 6.64% | 6.44% | 70% | link |
Unity BankFixed Rate Home Loan, 4-year term | Fixed 4yr | 6.65% | 6.74% | — | link |
IMB Bank4-year Fixed Rate Home Loan | Fixed 4yr | 6.69% | 6.65% | — | link |
P&N BankFixed Home Loan (P&I), 4-year term | Fixed 4yr | 6.74% | 6.64% | — | link |
Bank of ChinaFixed Rate Home Loan, 4-year term | Fixed 4yr | 6.79% | 8.11% | — | link |
Teachers Mutual BankYour Way fixed rate, 4-year term | Fixed 4yr | 6.89% | 6.75% | — | link |
ANZBig 5Fixed Rate Home Loan | Fixed 4yr | 6.89% | 7.27% | 80% | link |
NABBig 5Fixed Rate Home Loan | Fixed 4yr | 6.92% | 7.12% | 80% | link |
BankwestFixed Rate Home Loan, 4-year term | Fixed 4yr | 7.04% | 8.48% | — | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 4yr | 7.09% | 7.18% | 70% | link |
Bank of MelbourneFixed Rate Home Loan, 4-year term | Fixed 4yr | 7.09% | 7.18% | — | link |
BankSAFixed Rate Home Loan, 4-year term | Fixed 4yr | 7.09% | 7.18% | — | link |
St.GeorgeFixed Rate Home Loan, 4-year term | Fixed 4yr | 7.09% | 7.18% | — | link |