Mortgage Rates
Loan Amount:
$
Loan Term:
years
Showing effective rate mortgage rates for an owner occupier with 70-80% LVR for New South Wales. Effective rate values are calculated for a $670,000 loan over 25 years.
| Institution | Product | Variable | 1 year | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|
| Essential Home Loan | 6.44 | ||||||
| Professional Package | 6.35 | 6.96 | 6.96 | 7.06 | 7.36 | ||
| PLUS Refinance | 6.25 | ||||||
| Simplicity PLUS | 6.54 | ||||||
| Standard | 7.24 | 6.34 | 6.39 | 6.54 | 6.54 | 6.59 | |
| Basic Home Loan | 5.89 | 6.24 | 6.29 | 6.39 | 6.49 | ||
| Offset Home Loan | 5.97 | 6.28 | 6.33 | 6.43 | 6.53 | ||
| Clean Energy Home Loan - New Build | 5.67 | 6.13 | |||||
| Clean Energy Home Loan - Renovate | 5.77 | 6.23 | |||||
| Complete Home Loan | 6.27 | 6.53 | 6.58 | 6.53 | 6.58 | 6.58 | |
| Easy Home Loan | 6.13 | 6.39 | 6.44 | 6.39 | 6.44 | 6.44 | |
| Express Home Loan | 6.06 | 6.41 | 6.46 | 6.41 | 6.46 | 6.46 | |
| Flex Home Loan | 6.22 | 6.53 | 6.58 | 6.53 | 6.58 | 6.58 | |
| Clear Path Variable - Standard | 8.26 | ||||||
| Clear Path Variable - Offer | 6.16 | ||||||
| Economy Variable - Standard | 7.59 | ||||||
| Economy Variable - Offer | 6.15 | ||||||
| Fixed Rate - Standard | 6.72 | 6.86 | 7.16 | 7.16 | |||
| Fixed Rate - Offer | 6.37 | 6.51 | 6.81 | 6.81 | |||
| Digi | 6.16 | ||||||
| Green loan | 4.01 | ||||||
| Simple | 6.54 | ||||||
| Standard with Wealth Package | 6.57 | 6.57 | 6.42 | 6.67 | 6.72 | 6.87 | |
| Basic Variable | 6.24 | ||||||
| Fixed Rate | 6.35 | 6.40 | 6.45 | 6.50 | |||
| Offset Variable | 6.29 | ||||||
| Great Rate | 7.86 | 6.04 | 6.04 | 6.09 | 6.24 | 6.29 | |
| Great Rate - Discount | 5.94 | ||||||
| Ultimate | 7.73 | 6.07 | 6.07 | 6.12 | 6.27 | 6.32 | |
| Ultimate - Discount | 6.27 | ||||||
| Discount Variable Low Rate | 5.84 | ||||||
| Discount Variable Switch Rate | 7.94 | ||||||
| Fixed Rate | 6.31 | 6.36 | 6.41 | 6.56 | |||
| Fixed Rate | 7.09 | 7.09 | 7.14 | 7.34 | 7.34 | ||
| Fixed Rate with Package | 6.42 | 6.42 | 6.47 | 6.67 | 6.67 | ||
| Home Smart with Package | 6.07 | ||||||
| Home Value Loan | 5.84 | ||||||
| Standard Variable with Package | 6.07 | ||||||
| Fixed Rate | 6.54 | 6.44 | 6.49 | 6.59 | 6.59 | ||
| Green Loan | 3.74 | ||||||
| Mortgage Simplifier | 6.04 | ||||||
| Orange Advantage | 6.20 | 6.50 | 6.40 | 6.45 | 6.55 | 6.55 | |
| Basic | 5.89 | 6.49 | 6.59 | 6.64 | 6.69 | 6.79 | |
| Offset | 5.94 | 6.54 | 6.64 | 6.69 | 6.74 | 6.84 | |
| Base Variable | 6.44 | ||||||
| Choice Package | 8.24 | 6.42 | 6.47 | 6.57 | 6.57 | 6.57 | |
| Tailored | 7.01 | 6.36 | 6.41 | 6.51 | 6.51 | 6.51 | |
| Fixed Rate | 6.14 | 6.14 | 6.19 | 6.29 | 6.34 | ||
| Premium Plus Package | 7.89 | 6.12 | 6.12 | 6.17 | 6.27 | 6.32 | |
| Premium Plus Package - Special | 6.22 | ||||||
| Real Deal | 8.10 | ||||||
| Real Deal - Special | 5.99 | ||||||
| Real Options | 8.50 | ||||||
| Fixed Rate | 6.24 | 6.29 | 6.39 | 6.49 | 6.49 | ||
| Low Cost - NO LONGER FOR SALE 1st June 2026 | 6.04 | ||||||
| Low Cost Package | 5.97 | ||||||
| No Frills | 5.89 | ||||||
| Qantas Points Home Loan - NO LONGER FOR SALE 1st June 2026 | 6.24 | ||||||
| Standard Variable - NO LONGER FOR SALE 1st June 2026 | 6.74 | ||||||
| Back to Basics | 8.65 | ||||||
| Better Together | 6.13 | ||||||
| Fixed Rate | 7.36 | 7.36 | 7.46 | 7.56 | |||
| Green Upgrades (Back to Basics Variable - Green Upgrades) | 5.33 | ||||||
| Home Package Plus | 6.30 | 6.96 | 6.96 | 7.06 | 7.16 | ||
| Home Package Plus - First Home Buyer | 6.81 | 7.16 | |||||
| Standard | 9.25 | ||||||
| Your Way | 6.04 | 6.49 | 6.59 | 6.69 | 6.79 | 6.84 | |
| Your Way - Standard Variable | 8.24 | ||||||
| Your Way - Variable Rollover | 5.84 | ||||||
| Your Way Plus Package | 6.10 | 6.45 | 6.50 | 6.60 | 6.65 | 6.80 | |
| Your Way Plus Fixed Package - Rollover Variable | 6.10 | ||||||
| Fixed Options with Premier Advantage Package | 6.57 | 6.47 | 6.67 | 6.87 | 6.87 | ||
| Fixed Options, Standard | 6.71 | 6.61 | 6.81 | 7.01 | 7.01 | ||
| Flexi First Option | 6.54 | ||||||
| Flexi First Option - Online Offer Only | 6.09 | ||||||
| Rocket Repay | 8.85 | ||||||
| Rocket Repay with Premier Advantage Package | 6.57 |
