Home loans with no ongoing fees we track
Ranked by advertised rate, the leading home loan with no ongoing fees we track is Up's at 6.20% comparison (6.20% 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 owner-occupier home loans the lender advertises with no ongoing fees, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
UpBestUp Home Variable Rate Loan | Variable | 6.20% | 6.20% | 90% | link |
WestpacBig 5Flexi First Option Home Loan | Variable | 6.24% | 6.25% | 70% | link |
People First BankBasic Variable Home Loan - owner-occupier, P&I, <=70% LVR | Variable | 6.24% | 6.25% | — | link |
ME BankEconoME Home Loan | Variable | 6.24% | 6.26% | 70% | link |
AMP BankAMP Essential Home Loan - owner-occupier, P&I | Variable | 6.24% | 6.27% | — | link |
Bank of SydneyBOS Basic Home Loan - owner-occupier, P&I | Variable | 6.24% | 6.28% | — | link |
Unity BankMomentum Home Loan - variable, owner-occupier, P&I | Variable | 6.24% | 6.29% | — | link |
BOQEconomy Variable Home Loan | Variable | 6.28% | 6.42% | 70% | link |
MacquarieBig 5Basic Home Loan | Variable | 6.29% | 6.31% | 70% | link |
INGMortgage Simplifier | Variable | 6.29% | 6.32% | 70% | link |
MyState BankBasic Variable Loan - owner-occupier, P&I | Variable | 6.29% | 6.32% | — | link |
Great Southern BankBasic Variable Home Loan | Variable | 6.29% | 6.35% | 70% | link |
NABBig 5Tailored Home Loan | Variable | 6.29% | 6.42% | 70% | link |
ME BankCompleteME Home Loan | Variable | 6.29% | 6.67% | 70% | link |
BendigoEasy Home Loan | Variable | 6.34% | 6.36% | 60% | link |
UbankNeat Variable | Variable | 6.34% | 6.36% | 70% | link |
CBABig 5Digi Home Loan | Variable | 6.34% | 6.36% | — | link |
Bank AustraliaBasic Home Loan | Variable | 6.38% | 6.38% | 70% | link |
Qudos BankNo Frills Home Loan | Variable | 6.38% | 6.38% | 70% | link |
RACQ BankFair Dinkum Home Loan - owner-occupier, P&I | Variable | 6.39% | 6.39% | — | link |
BOQClear Path Variable Rate Home Loan | Variable | 6.39% | 6.51% | 80% | link |
BendigoFlex Home Loan | Variable | 6.39% | 6.57% | 50% | link |
BankwestBankwest Simple Home Loan - owner-occupier, P&I | Variable | 6.44% | 6.47% | — | link |
Unity BankAdvantage Home Loan with offset - owner-occupier, P&I | Variable | 6.44% | 6.49% | — | link |
UpUp Home Fixed Term Loan | Fixed 1yr | 6.45% | 6.23% | — | link |
UpUp Home Fixed Term Loan | Fixed 2yr | 6.45% | 6.25% | — | link |
People First BankFixed Rate Home Loan, 1-year term (<=80% LVR) | Fixed 1yr | 6.49% | 6.36% | — | link |
RACQ BankMortgage Saver Home Loan - owner-occupier, P&I | Variable | 6.49% | 6.53% | — | link |
People First BankFixed Rate Home Loan, 2-year term (<=80% LVR) | Fixed 2yr | 6.54% | 6.38% | — | link |
People First BankFixed Rate Home Loan, 3-year term (<=80% LVR) | Fixed 3yr | 6.54% | 6.40% | — | link |
People First BankFixed Rate Home Loan, 4-year term (<=80% LVR) | Fixed 4yr | 6.54% | 6.42% | — | link |
People First BankFixed Rate Home Loan, 5-year term (<=80% LVR) | Fixed 5yr | 6.54% | 6.43% | — | link |
Bank of MelbourneBasic Variable Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.55% | — | link |
BankSABasic Variable Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.55% | — | link |
St.GeorgeBasic Variable Home Loan - owner-occupier, P&I | Variable | 6.54% | 6.55% | — | link |
UpUp Home Fixed Term Loan | Fixed 3yr | 6.55% | 6.30% | — | link |
INGFixed Rate Home Loan | Fixed 2yr | 6.59% | 6.38% | 70% | link |
RACQ BankMortgage Breaker - variable, owner-occupier, P&I | Variable | 6.59% | 6.63% | — | link |
CBABig 5Standard Variable Rate | Variable | 6.59% | 6.97% | — | link |
INGFixed Rate Home Loan | Fixed 1yr | 6.64% | 6.35% | 70% | link |
ANZBig 5Simplicity PLUS Home Loan | Variable | 6.64% | 6.64% | 60% | link |
UpUp Home Fixed Term Loan | Fixed 5yr | 6.65% | 6.40% | — | link |
NABBig 5Base Variable Rate Home Loan | Variable | 6.69% | 6.69% | — | link |
RACQ Bank1-year Fixed Home Loan, owner-occupier | Fixed 1yr | 6.69% | 7.00% | — | link |
ANZBig 5Fixed Rate Home Loan | Fixed 1yr | 6.69% | 7.41% | 80% | link |
Qudos BankFixed Rate Home Loan | Fixed 1yr | 6.74% | 6.43% | 80% | link |
INGFixed Rate Home Loan | Fixed 3yr | 6.74% | 6.45% | 70% | link |
RACQ Bank3-year Fixed Home Loan, owner-occupier | Fixed 3yr | 6.74% | 6.96% | — | link |
RACQ Bank2-year Fixed Home Loan, owner-occupier | Fixed 2yr | 6.74% | 6.98% | — | link |
ANZBig 5Fixed Rate Home Loan | Fixed 2yr | 6.74% | 7.34% | 80% | link |
Qudos BankFixed Rate Home Loan | Fixed 2yr | 6.79% | 6.47% | 80% | link |
INGFixed Rate Home Loan | Fixed 5yr | 6.84% | 6.56% | 70% | link |
Qudos BankFixed Rate Home Loan | Fixed 3yr | 6.89% | 6.53% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 4yr | 6.89% | 7.27% | 80% | link |
ANZBig 5Fixed Rate Home Loan | Fixed 3yr | 6.89% | 7.32% | 80% | link |
RACQ Bank5-year Fixed Home Loan, owner-occupier | Fixed 5yr | 6.94% | 7.01% | — | link |
ANZBig 5Fixed Rate Home Loan | Fixed 5yr | 6.94% | 7.25% | 80% | link |
Qudos BankFixed Rate Home Loan | Fixed 5yr | 6.99% | 6.66% | 80% | link |
Bank of SydneyExpect More Home Loan fixed rate, 2-year term | Fixed 2yr | 7.29% | 6.10% | — | link |
Bank of SydneyExpect More Home Loan fixed rate, 1-year term | Fixed 1yr | 7.29% | 6.52% | — | link |
ANZBig 5Standard Variable Home Loan | Variable | 7.49% | 7.49% | 80% | link |