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Live Rates

Today's Top Home Loan Rates

Sorted by lowest comparison rate. Updated 6 April 2025. Showing owner-occupied, P&I loans.

Lender
Interest Rate
Comparison Rate
Monthly Repayment
Max LVR
5.74%
p.a. variable
↓ Lowest Rate
5.74%
No ongoing fees
$3,807
per month / $650k loan
80%
LVR
5.79%
p.a. variable
5.81%
Incl. $248 annual fee
$3,834
per month / $650k loan
80%
LVR
5.84%
p.a. variable
5.84%
No ongoing fees
$3,861
per month / $650k loan
80%
LVR
5.89%
p.a. variable
5.93%
Incl. $299 annual fee
$3,888
per month / $650k loan
80%
LVR
6.09%
p.a. variable
6.11%
Incl. $8/month fee
$3,999
per month / $650k loan
95%
LVR (LMI applies)

⚠️ Rates shown are indicative and updated daily. Comparison rate based on a $150,000 loan over 25 years. Read our rate methodology.

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1
Tell us what you need
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2
We match the market
Our engine scans hundreds of products from 40+ lenders and ranks them for you.
3
Compare side by side
Rates, fees, features — all laid out clearly so you can decide with confidence.
4
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Go direct to your chosen lender or speak to one of our accredited brokers.
Why Compare & Select

We work for you,
not the banks

🔍
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No hidden kickbacks. Our rankings are based on rate, fees, and features — not who pays us the most.
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Updated daily
Rates change constantly. We pull live data from lenders every 24 hours so you always see accurate figures.
🛡️
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Comparison rates are calculated to ASIC standards. We are an authorised Australian credit representative.
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Speak to an accredited mortgage broker at no cost. We help you apply, negotiate, and settle.
Potential saving on $650k loan
5.74%
vs. avg. big bank rate of 6.39%
Annual saving
vs. big four average
$4,290

Illustrative only. Based on $650,000 30-year P&I loan. Your saving will vary based on lender, LVR, and circumstances.

What Customers Say

Real people. Real savings.

★★★★★

"Switched lenders after using Compare & Select and saved over $400 a month. The comparison table made it so easy to see exactly what I'd pay with each lender."

Sarah M.
Sydney, NSW
★★★★★

"As a first home buyer I had no idea where to start. The broker they connected me with was fantastic — settled in 6 weeks with a rate 0.8% below what my bank offered."

James T.
Melbourne, VIC
★★★★★

"Finally a comparison site that explains what the comparison rate actually means. Transparent, fast, and the best rate I found anywhere online."

Priya K.
Brisbane, QLD
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