RatesniffersRATESNIFFERS
Compare home loansTalk to a broker

Refinance Home Loans, April 2026

Paying 6%+ on your current loan? Most borrowers refinancing in April 2026 are saving $200–$500/month. Our broker models your exact savings including break costs.

Rates updated 29 Apr 2026|1,261 products|85+ Australian lenders
Advertisement
Filters
Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in April 2026

If you're paying 6%+ on your current loan, you're likely overpaying. The lowest variable in our index right now sits below 5.30% — that's potentially $200–$500/month back in your pocket. Here are the standout refi rates this April 2026.

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Virgin MoneyVirgin Money Lite Home Loan
5.59%
5.61%
—
Fixed rate
AthenaObliterate
5.99%
5.99%
50%
Interest only
Greater Bank LimitedDiscounted Great Rate Home Loan - Variable Interest Only Owner Occupied
5.79%
5.80%
—
Up logoOnline
Up Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.70%p.a.
Comparison*
5.70%p.a.
Monthly repayment
$2,902
LVR —
More details
Health Professionals Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.74%p.a.
Comparison*
5.80%p.a.
Monthly repayment
$2,915
LVR —
More details
ME Bank - ME Go logoOnline
ME Bank EconoME Home Loan
Owner-occupierVariableP&IRedrawExtra repayments$3,000 cashback
Cashback eligibility
  • Min loan $700,000
  • Max LVR 80%
  • Aggregate split refi loans to meet $700k minimum (same customer, same submission)
  • Mixed refi + purchase apps eligible — one $3k per application
  • Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
  • Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.83%p.a.
Comparison*
5.85%p.a.
Monthly repayment
$2,943
LVR —
More details
Auswide Bank Ltd logo
BASIC HOME LOAN
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.84%p.a.
Comparison*
5.87%p.a.
Monthly repayment
$2,947
LVR —
More details
Bank Australia logo
Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–80%
More details
Firefighters Mutual Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.84%p.a.
Comparison*
5.90%p.a.
Monthly repayment
$2,947
LVR —
More details
*Important Information and Comparison Rate Warning

This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.