Home Loans Leaderboards

Looking for top-rated home loan offers on the market? Compare home loan ratings and see how we’ve ranked current Australian mortgages using Real-Time Ratings.

Best variable home loans

RateCity's top-rated home loans with a variable interest rate. Assumes a $400,000 mortgage with a maximum LVR of 80%.

Best offset home loan

Today’s top-rated home loans that feature an offset account. Assumes a $400,000 mortgage for an owner-occupier with a variable interest rate.

Best refinance home loans

Today’s top-rated home loans for refinancing. Assumes a $400,000 mortgage with a variable interest rate for an owner occupier.

Best 3-year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for three years. Assumes a $400,000 mortgage for an owner occupier.

Best 5-year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for five years. Assumes a $400,000 mortgage for an owner occupier.

Best 2 year interest only investor home loans

RateCity's top-rated interest-only investor home loans. Assumes a $400,000 mortgage with a maximum LVR of 80%, paying interest only at a fixed rate for a two year term.

Best 4 year interest only investor home loans

RateCity's top-rated interest-only investor home loans. Assumes a $400,000 mortgage with a maximum LVR of 80%, paying interest only at a fixed rate for a four year term.

Best investor variable home loans

RateCity's top-rated investment home loans with variable interest rates. Assumes a $400,000 mortgage and a maximum LVR of 80%.

Best packaged home loans

RateCity's top-rated home loans that are available as a package with one or more other financial products, such as a credit card or bank account. Assumes a $400,000 mortgage with a variable interest rate for an owner occupier.

Best investor 3-year fixed principal and interest loans

RateCity's top-rated principal and interest investor home loans with a fixed interest rate for three years. Assumes a $400,000 mortgage.

Best investor 3-year fixed interest only loans

RateCity's top-rated interest-only investor home loans. Assumes a $400,000 mortgage with a maximum LVR of 80%, paying interest only at a fixed rate for a three year term.

Best investor 5-year fixed principal and interest loans

RateCity's top-rated principal and interest investor home loans with a fixed interest rate for five years. Assumes a $400,000 mortgage.

Best investor 5-year fixed interest only loans

RateCity's top-rated interest-only investor home loans. Assumes a $400,000 mortgage with a maximum LVR of 80%, paying interest only at a fixed rate for a five year term.

Best 4 year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for four years. Assumes a $400,000 mortgage for an owner occupier.

Best 2 year fixed home loans

RateCity's top-rated principal and interest home loans with a fixed interest rate for two years. Assumes a $400,000 mortgage for an owner occupier.

Best home loans from large banks

RateCity's top-rated home loans from one of Australia’s major financial institutions. Assumes a $400,000 mortgage for an owner-occupier, with a variable interest rate and a maximum LVR of 80%.

Best small deposit home loans

RateCity's top-rated home loans with a deposit requirement of 5% or less. Assumes a $400,000 mortgage for an owner occupier with a variable interest rate and a maximum LVR of 95% or more.

Best home loans over $1M

RateCity's top-rated home loans for borrowing more than one million dollars. Assumes a $1 million home loan for an owner occupier, with a variable interest rate, an offset account and a maximum LVR of 80%.

Best SMSF home loan

RateCity's top-rated home loans for Self-Managed Super Funds. Assumes a a $400,000 mortgage.

Best green home loan

Best new lender home loan

RateCity's top-rated home loans from lenders recently added to RateCity. Assumes a $400,000 mortgage for an owner occupier with a variable interest rate

Checkout more home loans

Promoted

HSBC Bank Australia Limited

Home Value Loan (Owner Occupied, Principal & Interest)

Real Time Rating™
  • Owner Occupied
  • Fixed undefined year
  • 40% min deposit
  • P&I

2024 Award Winner

Interest Rate

5.99%

p.a

Comparison Rate*

5.99%

p.a

Promoted

loans.com.au Pty Ltd

Solar Home Loan

Real Time Rating™
  • Owner Occupied
  • Fixed undefined year
  • 10% min deposit
  • P&I
Interest Rate

5.99%

p.a

Comparison Rate*

6.51%

p.a

Promoted

HSBC Bank Australia Limited

Home Value Loan (Owner Occupied, Principal & Interest)

Real Time Rating™
  • Owner Occupied
  • Fixed undefined year
  • 30% min deposit
  • P&I
Interest Rate

6.04%

p.a

Comparison Rate*

6.04%

p.a

Promoted

Bendigo & Adelaide Bank Ltd

Express Home Loan

Real Time Rating™
  • Owner Occupied
  • Fixed undefined year
  • 10% min deposit
  • P&I

special

Fast Online Approval. T&Cs apply.
Interest Rate

5.97%

p.a

Comparison Rate*

6.12%

p.a