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 5 月 12 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，带 ✻ 标记的行表示该机构本月提供Cash-back（Cash-back）。
| Lender | Variable Variable | 2Y Fixed 2Y Fixed | 3Y Fixed 3Y Fixed | 5Y Fixed 5Y Fixed | Cash-back Cash-back |
|---|---|---|---|---|---|
| AMP Bank | 6.29 | 6.89 | 6.99 | 7.29 | — |
| ANZ ✻ | 6.29 | 6.39 | 6.54 | 6.59 | $3,000 |
| Auswide Bank | 5.84 | 6.39 | 6.44 | 6.89 | — |
| Bank of China ✻ | 5.68 | 6.09 | 6.39 | 6.39 | Special† |
| Bank of Melbourne | 6.14 | 6.39 | 6.59 | 6.79 | — |
| Bank of Sydney | 5.94 | 6.99 | — | — | — |
| Bank Australia | 5.89 | 6.29 | 6.39 | 6.49 | — |
| BankSA | 6.14 | 6.39 | 6.59 | 6.79 | — |
| Bankwest | 5.99 | 6.59 | 6.69 | 6.79 | — |
| Bendigo Bank | 5.88 | 6.44 | 6.39 | 6.44 | — |
| Beyond Bank | 6.09 | 6.49 | 6.49 | 6.29 | — |
| BOQ | 5.88 | 6.19 | 6.29 | 6.59 | — |
| Commonwealth Bank (CBA) | 6.24 | 6.34 | 6.59 | 6.79 | — |
| Firstmac | 6.29 | 6.89 | 6.99 | 7.39 | — |
| Gateway Bank | 5.94 | 7.04 | 6.84 | 7.34 | — |
| Great Southern Bank | 6.09 | 6.40 | 6.45 | 6.50 | — |
| Heritage Bank | 5.84 | 6.34 | 6.39 | 6.54 | — |
| HSBC | 5.84 | 6.14 | 6.19 | 6.39 | — |
| ING | 5.89 | 6.19 | 6.24 | 6.34 | — |
| Macquarie Bank | 5.89 | 6.59 | 6.64 | 6.79 | — |
| ME Bank | 5.88 | 6.29 | 6.44 | 6.74 | — |
| MyState Bank | 5.84 | 6.39 | 6.44 | 6.89 | — |
| NAB | 6.74 | 6.39 | 6.49 | 6.49 | — |
| Newcastle Permanent | 5.74 | 6.04 | 6.09 | 6.24 | — |
| Police & Nurses (P&N) | 5.94 | 6.54 | 6.69 | 6.79 | — |
| Qudos Bank | 5.89 | 6.29 | 6.39 | 6.49 | — |
| St. George | 6.14 | 6.39 | 6.59 | 6.79 | — |
| Suncorp Bank | 5.88 | 6.14 | 6.24 | 6.34 | — |
| Teachers Mutual | 6.04 | 6.44 | 6.54 | 6.74 | — |
| ubank | 5.89 | 6.54 | 6.59 | 6.74 | — |
| Virgin Money ✻ | 5.59 | 6.24 | 6.39 | 6.69 | $4,000 |
| Westpac | 6.24 | 6.39 | 6.59 | 6.79 | — |
† Bank of China Discount Plus Home Loans — specific margin is subject to broker-negotiated banker discretion and may vary.
ANZ $3,000 cash-back is for refinance customers only, conditions apply, ask your broker for details. Virgin Money $4,000 cash-back applies to new loans only, LVR < 80%, minimum loan amount $300k.
本月最低Variable利率：Virgin Money 5.59%，其次 Bank of China 5.68%、Newcastle Permanent 5.74%。二年固定端 Newcastle Permanent 最低 6.04%；三年固定端 Newcastle Permanent 最低 6.09%；五年固定端最低为 Newcastle Permanent 6.24%。现金Cash-back方面 Virgin Money $4,000、ANZ $3,000 为本期前列，Bank of China 另提供 Discount Plus 特别折扣（具体幅度以 broker 议价后为准）。实际可批利率会根据您的 LVR、贷款金额、收入结构、还款方式以及银行当月的优惠政策而有折扣，很多时候比上表的广告价低 20–40 BPs。
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?
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数据来源：Brokerpedia 银行公开报价数据库，ozLoan 于 2026-05-12 最后核对。利率与Cash-back政策可能随时变动，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。