5-year fixed home loan rates we track
Ranked by advertised rate, the leading 5-year fixed home loan we track is People First Bank's at 6.43% 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 5-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, 5-year term (<=80% LVR) | Fixed 5yr | 6.54% | 6.43% | — | link |
Greater BankGreat Rate Home Loan, 5-year fixed | Fixed 5yr | 6.54% | 7.41% | — | link |
HeritageStandard Fixed Rate Home Loan | Fixed 5yr | 6.54% | 7.95% | 95% | link |
MacquarieBig 5Fixed Rate | Fixed 5yr | 6.64% | 6.47% | 70% | link |
UpUp Home Fixed Term Loan | Fixed 5yr | 6.65% | 6.40% | — | link |
Unity BankFixed Rate Home Loan, 5-year term | Fixed 5yr | 6.65% | 6.74% | — | link |
IMB Bank5-year Fixed Rate Home Loan | Fixed 5yr | 6.69% | 6.64% | — | link |
P&N BankFixed Home Loan (P&I), 5-year term | Fixed 5yr | 6.79% | 6.68% | — | link |
AMP BankProfessional Package fixed rate, 5-year term | Fixed 5yr | 6.79% | 7.27% | — | link |
Bank of ChinaFixed Rate Home Loan, 5-year term | Fixed 5yr | 6.79% | 7.98% | — | link |
Great Southern BankFixed Rate Home Loan | Fixed 5yr | 6.80% | 7.65% | — | link |
INGFixed Rate Home Loan | Fixed 5yr | 6.84% | 6.56% | 70% | link |
Beyond BankFixed Total Home Loan Package | Fixed 5yr | 6.84% | 7.21% | 80% | link |
RACQ Bank5-year Fixed Home Loan, owner-occupier | Fixed 5yr | 6.94% | 7.01% | — | link |
NABBig 5Fixed Rate Home Loan | Fixed 5yr | 6.94% | 7.12% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 5yr | 6.94% | 7.25% | 80% | link |
CBABig 5Fixed Rate (Wealth Package) | Fixed 5yr | 6.94% | 8.06% | — | link |
Qudos BankFixed Rate Home Loan | Fixed 5yr | 6.99% | 6.66% | 80% | link |
BOQFixed Rate (discount) | Fixed 5yr | 6.99% | 6.78% | 80% | link |
UbankFlex Fixed | Fixed 5yr | 6.99% | 6.87% | 60% | link |
ME BankFixed Rate | Fixed 5yr | 6.99% | 7.01% | 60% | link |
Teachers Mutual BankYour Way fixed rate, 5-year term | Fixed 5yr | 7.04% | 6.87% | — | link |
MyState BankFixed Rate Loan, 5-year term | Fixed 5yr | 7.04% | 7.95% | — | link |
BankwestFixed Rate Home Loan, 5-year term | Fixed 5yr | 7.09% | 8.34% | — | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 5yr | 7.14% | 7.24% | 70% | link |
Bank of MelbourneFixed Rate Home Loan, 5-year term | Fixed 5yr | 7.14% | 7.24% | — | link |
BankSAFixed Rate Home Loan, 5-year term | Fixed 5yr | 7.14% | 7.24% | — | link |
St.GeorgeFixed Rate Home Loan, 5-year term | Fixed 5yr | 7.14% | 7.24% | — | link |