Compare Home Loans, April 2026
Sniff out the sharpest rates across 85+ Australian lenders — refreshed daily. Sort by comparison rate to see true cost.
Rates updated 29 Apr 2026|1,261 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in April 2026
If you're shopping for a home loan in April 2026, our index shows clear standouts across the variable, fixed and interest-only categories. Here are the three sharpest rates we're tracking right now — refreshed daily, with no commercial filtering.
Fixed Rate Home Loan - 2 years
Owner-occupier2y FixedP&IExtra repayments
Interest
5.99%p.a.
Comparison*
—
Monthly repayment
$2,995
LVR —
1 year Fixed Rate Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
—
Monthly repayment
$3,043
LVR 1–95%
myBlue FHB Non Scheme 1 Year Fix O/Occ P+I (up to 95% LVR)
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
—
Monthly repayment
$3,043
LVR —
AthenaOnline
Liberate
Owner-occupier1y FixedP&I
Interest
6.14%p.a.
Comparison*
—
Monthly repayment
$3,043
LVR ≤80%
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Owner-occupier1y FixedP&I
Interest
6.20%p.a.
Comparison*
—
Monthly repayment
$3,062
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier1y FixedP&IExtra repayments
Interest
6.24%p.a.
Comparison*
—
Monthly repayment
$3,075
LVR —
Basic Home Loan Fixed
Owner-occupier1y FixedP&IExtra repayments
Interest
6.24%p.a.
Comparison*
—
Monthly repayment
$3,075
LVR 70–80%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Owner-occupier1y FixedP&IExtra repayments
Interest
6.14%p.a.
Comparison*
6.34%p.a.
Monthly repayment
$3,043
LVR —
HOME LOAN PLUS
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
—
Monthly repayment
$3,108
LVR —
Fixed Rate Loan
Owner-occupier2y FixedP&IRedrawExtra repayments$2,000 cashback
Interest
6.09%p.a.
Comparison*
6.35%p.a.
Monthly repayment
$3,027
LVR —
OnlineUp Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.35%p.a.
Comparison*
—
Monthly repayment
$3,111
LVR —
Bendigo Express Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR —
OnlineTiimely Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR ≤80%
Ultimate Essentials DHOAS Fix
Owner-occupier3y FixedP&IExtra repayments
Interest
5.84%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$2,947
LVR —
OnlineQANTAS Money Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
1-Year Fixed Home Loan Package Principal and Interest
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.45%p.a.
Monthly repayment
$3,124
LVR —
1 Year Fixed Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.46%p.a.
Monthly repayment
$3,059
LVR 70–90%
Your Way Fixed Rate Home Loan
Owner-occupier1y FixedP&I
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan
Owner-occupier1y FixedP&I
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR —
Health Professionals Bank
Your Way Fixed Rate Home Loan
Owner-occupier1y FixedP&I
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR —
OnlineFlex - Fixed OO P&I
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
OnlineVirgin Money Lite Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR —
Aussie Elevate Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
AFG Alpha Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
NRMA Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
Your Way Fixed Rate Home Loan
Owner-occupier1y FixedP&I
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR —
Lifestyle Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,075
LVR —
OnlineME Bank EconoME Home Loan
Owner-occupier1y FixedP&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
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR —
Fixed Rate Home Loan
Owner-occupier2y FixedP&IExtra repayments$2,000 cashback
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤95%
*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.