Top 15 Home Loan Rates 2025

Find low rates from over 25 leading lenders

I want to refinance I want to buy a home

What types of home loans are available?

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Variable rate

Variable rate Enjoy the flexibility a variable rate provides – from extra repayments to 100% offset accounts.

Fixed rate

Have peace of mind knowing your repayments won’t fluctuate on a fixed rate home loan.

Split rate

Get the best of both worlds – split your home loan the way you choose, on both a fixed and variable rate.

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Rates disclaimer

^Available for new/ refinanced owner occupier, principal and interest repayment loans with a loan to valuation ratio (LVR) of less than or equal to 80% and loan amounts more than $150,000. Interest rates may vary for different loan amounts, LVR and repayment types. Applications are subject to approval, terms and conditions apply. Rate is effective from 28 May 2025 but is subject to change. HSBC reserves the right to withdraw at any time. ^Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. © 2025 Lendi Group Distribution Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

*Available for new/refinanced owner occupier, principal and interest repayment loans with a loan to valuation (LVR) ratio of less than or equal to 80% and loan amounts more than $150,000. Interest rates may vary for different loan amounts, LVR and repayment types. Applications are subject to approval, terms and conditions apply. Rate is effective from 28 May 2025 but is subject to change. At the end of the fixed term, rate reverts to the variable rate specified in your loan contract, as applicable at that time. Fixed rate loans may be subject to significant break costs, the terms and details of which are specified in your credit contract. Macquarie Bank reserves the right to withdraw at any time. ^Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. © 2025 Lendi Group Distribution Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

Legal Disclaimer

Aussie does not provide financial or investment advice. This material does not take account of your objectives, financial circumstances or needs. Aussie recommends that you seek independent financial, legal and taxation advice before making an investment decision.

IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

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