Home loan rates, updated daily

How this list works. Each lender publishes its products under the Consumer Data Right; we fetch every lender in the CDR register daily. A product appears once, at its lowest rate for your purpose, repayment type, rate type, LVR and loan size, within the lender's own loan limits. The list is sorted by the one figure you choose. It is not a recommendation, and the lowest rate is not always the lowest cost.

Who is covered. The CDR register lists banks, credit unions and building societies, and some other lenders. Most non-bank lenders, including Pepper, Firstmac, Resimac, La Trobe, Bluestone and Athena, are not in it, so their rates are not here.

Comparison rates are the lender's own, calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Repayments are over 30 years at the listed rate. Not shown: rates negotiated per customer, staff-only loans, and discounts a lender lists separately (marked “Lender lists discounts”). Eligibility conditions are quoted from the lender.

Fees. Set-up fees are the application, establishment and settlement fees a lender lists for a new loan, shown when it lists one amount for each. They leave out valuation, legal and government charges, lenders mortgage insurance, and fees for top-ups, splits or construction. Ongoing fees are package and service fees per year. “All fees the lender lists” on each product shows every fee as the lender files it.