Cheapest 5-year fixed home loan rates
Ranked by comparison rate, the leading 5-year fixed home loan in Australia today is Up's at 6.15% comparison (6.40% advertised) - rates as at 2026-09-13.
Australian 5-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 5yr | 6.40% | 6.15% | — | link |
MacquarieBig 5Fixed Rate | Fixed 5yr | 6.44% | 6.24% | 70% | link |
Qudos BankFixed Rate Home Loan | Fixed 5yr | 6.59% | 6.34% | 80% | link |
INGFixed Rate Home Loan | Fixed 5yr | 6.59% | 6.42% | 70% | link |
BOQFixed Rate (discount) | Fixed 5yr | 6.79% | 6.55% | 80% | link |
UbankFlex Fixed | Fixed 5yr | 6.74% | 6.62% | 60% | link |
SuncorpFixed (Home Package Plus) | Fixed 5yr | 6.54% | 6.69% | 80% | link |
NABBig 5Fixed Rate Home Loan | Fixed 5yr | 6.49% | 6.78% | 80% | link |
ME BankFixed Rate | Fixed 5yr | 6.94% | 6.82% | 60% | link |
WestpacBig 5Fixed Options Home Loan (Pkg) | Fixed 5yr | 6.69% | 6.90% | 70% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 5yr | 6.59% | 6.95% | 80% | link |
Beyond BankFixed Total Home Loan Package | Fixed 5yr | 6.69% | 7.00% | 80% | link |
Great Southern BankFixed Rate Home Loan | Fixed 5yr | 6.55% | 7.41% | — | link |
CBABig 5Fixed Rate (Wealth Package) | Fixed 5yr | 6.79% | 7.73% | — | link |
HeritageStandard Fixed Rate Home Loan | Fixed 5yr | 6.39% | 7.75% | 95% | link |