Cheapest home loans with no ongoing fees
Ranked by comparison rate, the leading home loan with no ongoing fees in Australia today is Up's at 5.95% comparison (5.95% advertised) - rates as at 2026-09-13.
Australian owner-occupier home loans the lender advertises with no ongoing fees, ranked by comparison rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
UpBestUp Home Variable Rate Loan | Variable | 5.95% | 5.95% | 90% | link |
UpUp Home Fixed Term Loan | Fixed 1yr | 6.35% | 5.99% | — | link |
WestpacBig 5Flexi First Option Home Loan | Variable | 5.99% | 6.00% | 70% | link |
ME BankEconoME Home Loan | Variable | 5.99% | 6.01% | 70% | link |
INGMortgage Simplifier | Variable | 5.99% | 6.02% | 70% | link |
UpUp Home Fixed Term Loan | Fixed 2yr | 6.40% | 6.04% | — | link |
INGFixed Rate Home Loan | Fixed 1yr | 6.34% | 6.05% | 70% | link |
MacquarieBig 5Basic Home Loan | Variable | 6.04% | 6.06% | 70% | link |
UpUp Home Fixed Term Loan | Fixed 3yr | 6.35% | 6.06% | — | link |
INGFixed Rate Home Loan | Fixed 2yr | 6.29% | 6.08% | 70% | link |
Great Southern BankBasic Variable Home Loan | Variable | 6.04% | 6.10% | 70% | link |
BendigoEasy Home Loan | Variable | 6.09% | 6.11% | 60% | link |
UbankNeat Variable | Variable | 6.09% | 6.11% | 70% | link |
Bank AustraliaBasic Home Loan | Variable | 6.13% | 6.13% | 70% | link |
Qudos BankNo Frills Home Loan | Variable | 6.13% | 6.13% | 70% | link |
UpUp Home Fixed Term Loan | Fixed 5yr | 6.40% | 6.15% | — | link |
Qudos BankFixed Rate Home Loan | Fixed 1yr | 6.34% | 6.16% | 80% | link |
BOQEconomy Variable Home Loan | Variable | 6.03% | 6.18% | 70% | link |
Qudos BankFixed Rate Home Loan | Fixed 2yr | 6.39% | 6.19% | 80% | link |
NABBig 5Tailored Home Loan | Variable | 6.09% | 6.22% | 70% | link |
CBABig 5Digi Home Loan | Variable | 6.09% | 6.22% | — | link |
Qudos BankFixed Rate Home Loan | Fixed 3yr | 6.49% | 6.24% | 80% | link |
BOQClear Path Variable Rate Home Loan | Variable | 6.14% | 6.26% | 80% | link |
BendigoFlex Home Loan | Variable | 6.14% | 6.32% | 50% | link |
INGFixed Rate Home Loan | Fixed 3yr | 6.49% | 6.34% | 70% | link |
Qudos BankFixed Rate Home Loan | Fixed 5yr | 6.59% | 6.34% | 80% | link |
ANZBig 5Simplicity PLUS Home Loan | Variable | 6.39% | 6.39% | 60% | link |
INGFixed Rate Home Loan | Fixed 5yr | 6.59% | 6.42% | 70% | link |
ME BankCompleteME Home Loan | Variable | 6.04% | 6.42% | 70% | link |
NABBig 5Base Variable Rate Home Loan | Variable | 6.44% | 6.44% | — | link |
SuncorpStandard Variable (Home Package Plus) | Variable | 6.13% | 6.48% | 70% | link |
SuncorpFixed (Home Package Plus) | Fixed 2yr | 6.24% | 6.54% | 80% | link |
SuncorpFixed (Home Package Plus) | Fixed 3yr | 6.44% | 6.61% | 80% | link |
SuncorpFixed (Home Package Plus) | Fixed 5yr | 6.54% | 6.69% | 80% | link |
CBABig 5Standard Variable Rate | Variable | 6.34% | 6.72% | — | link |
SuncorpFixed (Home Package Plus) | Fixed 1yr | 6.29% | 6.88% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 5yr | 6.59% | 6.95% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 4yr | 6.54% | 6.98% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 3yr | 6.49% | 7.02% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 2yr | 6.29% | 7.05% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 1yr | 6.34% | 7.15% | 80% | link |
ANZBig 5Standard Variable Home Loan | Variable | 7.24% | 7.24% | 80% | link |