Australian Home Loan Rates — Monthly Comparison
ozLoan 持续跟踪澳大利亚 30+ 家主流贷款机构的报价 —— 从四大银行、区域银行、非银贷款机构，到新兴的数字银行。下表为 2026 年 9 月 14 日更新的横向对比（自住 / 本息 / 80% LVR 情景下的广告利率），每一列最低值已加粗；本轮未独立核实返现优惠，返现栏统一显示 —。
| Lender | Variable Variable |
2Y Fixed 2Y Fixed |
3Y Fixed 3Y Fixed |
5Y Fixed 5Y Fixed |
Cash-back Cash-back |
|---|---|---|---|---|---|
| AMP Bank | 6.29 | 6.39 | 6.49 | 6.79 | — |
| ANZ | 6.54 | 6.29 | 6.49 | 6.59 | — |
| Auswide Bank | 6.19 | 6.54 | 6.59 | 6.89 | — |
| Bank of China | 5.93 | 6.29 | 6.39 | 6.39 | — |
| Bank of Melbourne | 6.39 | 6.44 | 6.64 | 6.79 | — |
| Bank of Sydney | 6.19 | 7.29 | — | — | — |
| Bank Australia | 6.14 | 6.39 | 6.49 | 6.59 | — |
| BankSA | 6.39 | 6.44 | 6.64 | 6.79 | — |
| Bankwest | 6.24 | 6.59 | 6.69 | 6.79 | — |
| Bendigo Bank | 6.13 | 6.44 | 6.39 | 6.44 | — |
| Beyond Bank | 6.14 | 6.39 | 6.59 | 6.69 | — |
| BOQ | 6.08 | 6.24 | 6.29 | 6.79 | — |
| Commonwealth Bank (CBA) | 6.49 | 6.34 | 6.59 | 6.79 | — |
| Firstmac | 6.44 | 7.04 | 7.04 | 7.34 | — |
| Gateway Bank | 6.19 | 7.04 | 6.84 | 7.34 | — |
| Great Southern Bank | 6.24 | 6.40 | 6.35 | 6.30 | — |
| Heritage Bank | 6.09 | 6.24 | 6.29 | 6.39 | — |
| HSBC | 6.09 | 6.34 | 6.39 | 6.59 | — |
| ING | 6.04 | 6.19 | 6.39 | 6.49 | — |
| Macquarie Bank | 6.09 | 6.44 | 6.44 | 6.49 | — |
| ME Bank | 6.04 | 6.24 | 6.29 | 6.94 | — |
| MyState Bank | 6.19 | 6.54 | 6.59 | 6.89 | — |
| NAB | 6.99 | 6.34 | 6.49 | 6.49 | — |
| Newcastle Permanent | 5.99 | 6.29 | 6.39 | 6.49 | — |
| Police & Nurses (P&N) | 6.19 | 6.27 | 6.69 | 6.79 | — |
| Qudos Bank | 6.14 | 6.39 | 6.49 | 6.59 | — |
| St. George | 6.39 | 6.44 | 6.64 | 6.79 | — |
| Suncorp Bank | 6.13 | 6.24 | 6.44 | 6.54 | — |
| Teachers Mutual | 6.19 | 6.44 | 6.54 | 6.74 | — |
| ubank | 6.14 | 6.54 | 6.59 | 6.74 | — |
| Virgin Money | 5.84 | 6.44 | 6.59 | 6.89 | — |
| Westpac | 6.49 | 6.44 | 6.64 | 6.79 | — |
本轮未独立核实返现优惠；返现栏统一显示 —。
浮动最低为 Virgin Money 5.84%；二年固定最低为 ING 6.19%；三年固定最低为 BOQ、Heritage Bank、ME Bank 6.29%；五年固定最低为 Great Southern Bank 6.30%。本轮仅核对 Brokerpedia 的自住、本息、80% LVR 广告利率；返现优惠未作独立核实，因此表内不展示返现金额。实际可批利率会因 LVR、贷款金额、收入结构、还款方式及贷款机构政策而异。
How to choose — three common questions
Variable or fixed?
The RBA cash rate currently sits above the long-run median, with markets pricing cuts into the second half of 2026. If you’re likely to sell, refinance or pay down early within the next 1–2 years, variable is usually the better call. If your priority is certainty of monthly repayments or locking cash flow for the next 2–3 years, consider a pure fixed loan or a split — half fixed, half variable.
Is the cash-back worth chasing?
A $3,000–$4,000 cash-back looks attractive — until you compare rates. If chasing the rebate costs you 15–20 bps on the rate, a $1M loan pays an extra $1,500–$2,000 interest per year, and the rebate is fully clawed back in 1–2 years. Cash-back is only a real bonus when the underlying rate is still competitive.
Why is my actual rate different from the table?
The table shows banks’ published advertised rates. Your actual approved rate depends on LVR (lower is better), loan size (loans above $1M typically unlock extra margin), owner-occupier vs. investment, P&I vs. interest-only, feature packs like offset / redraw, and the banker discretion discount a broker can negotiate. As a licensed MFAA-member mortgage broker, ozLoan compares real approval pricing from 30+ lenders so you can pick the rate + feature mix that actually fits.
Want to know the rate you’d actually qualify for?
Fill in the 2-minute assessment and we’ll come back within one business day with a 3-lender shortlist tailored to your profile.
数据来源：Brokerpedia 银行公开报价数据库，ozLoan 于 2026-09-14 最后核对。利率可能随时变动，以银行正式批准函为准。本页内容为一般信息，不构成个人化财务建议。ozLoan 为持牌 Mortgage Broker，MFAA 会员，ACL / ASIC 合规。