Home Loans · Australia · 2026
Compare Home Loans Australia — Best Rates & Lenders 2026
Compare home loan rates across 60+ Australian lenders. See current variable and fixed rates, work out your deposit and repayments, and get matched with the right loan — at no cost to you.
5.84%–6.39%
Avg variable rate p.a.
$640k
Avg loan size (AU)
Up to $30k
First Home Owner Grant
From 5%
Deposit needed
Loan types & current rate ranges
Find the right loan structure.
Variable rate
5.84% – 6.39%Flexible rate that moves with the market. Extra repayments and offset usually available.
Fixed 1 year
5.79% – 6.29%Lock your rate for 12 months for short-term certainty.
Fixed 2 year
5.69% – 6.19%A popular balance of certainty and flexibility.
Fixed 3 year
5.74% – 6.24%Longer-term rate certainty for budgeting confidence.
Split loan
Mix & matchPart fixed, part variable — hedge your bets on rate moves.
Offset / Interest-only
Feature add-onReduce interest with an offset account, or interest-only for investment cash flow.
Grants & concessions by state
First home buyer rebates across Australia.
| State | First Home Owner Grant | Stamp duty exemption up to | Revenue office |
|---|---|---|---|
| NSW | $10,000 | $800,000 | Revenue NSW |
| VIC | $10,000 | $600,000 | State Revenue Office Victoria |
| QLD | $30,000 | $700,000 | Queensland Revenue Office |
| SA | $15,000 | $650,000 | RevenueSA |
| WA | $10,000 | $450,000 | RevenueWA |
| TAS | $10,000 | $750,000 | State Revenue Office Tasmania |
| ACT | — | $1,000,000 | ACT Revenue Office |
| NT | $10,000 | $650,000 | Territory Revenue Office |
Browse by location
Home Loans in your city.
Sydney
NSW · Median $1,640,000
View Home Loans Melbourne
VIC · Median $1,040,000
View Home Loans Brisbane
QLD · Median $980,000
View Home Loans Gold Coast
QLD · Median $1,120,000
View Home Loans Sunshine Coast
QLD · Median $1,080,000
View Home Loans Adelaide
SA · Median $850,000
View Home Loans Perth
WA · Median $820,000
View Home Loans Canberra
ACT · Median $960,000
View Home Loans Hobart
TAS · Median $720,000
View Home Loans Darwin
NT · Median $600,000
View Home Loans Newcastle
NSW · Median $1,010,000
View Home Loans Central Coast
NSW · Median $980,000
View Home Loans Wollongong
NSW · Median $1,020,000
View Home Loans Geelong
VIC · Median $760,000
View Home Loans Ballarat
VIC · Median $600,000
View Home Loans Bendigo
VIC · Median $610,000
View Home Loans Townsville
QLD · Median $560,000
View Home Loans Cairns
QLD · Median $620,000
View Home Loans Toowoomba
QLD · Median $650,000
View Home Loans Launceston
TAS · Median $560,000
View Home Loans Frequently asked questions
More home loan guides
Deposit guides, first home buyer schemes, rate updates and more.
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