Compare Bank Interest Rates Online

Compare bank interest rate online

Comparing online may give you a better opportunity to snag a lower interest rate.

Comparing interest rates from the banks is free and easy with finder.com.au. You can sort financial products by the lowest interest rate by simply clicking the arrow on the interest rate column. You can also apply online for these financial products including for every personal and financial situation.

Compare bank interest rates for a range of products

Compare home loans

Rates last updated November 23rd, 2017.

IMB Platinum Package Fixed Home Loan - 2 Year Fixed (LVR < 90% Owner Occupier)

Interest rate decreases by 0.10%

October 4th, 2017

Tic:Toc Live in Loan Variable Rate

Comparative rate decreases by 0.10% | Interest rate decreases by 0.10%

October 13th, 2017

Easy Street Fixed Home Loan - 2 Years (Owner Occupier, P&I)

Interest rate increases by 0.35%

October 16th, 2017

View latest updates

Richard Whitten Richard
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only, P&I
Enjoy a low variable rate with no ongoing fees and borrow up to 90% of the value of the property.
3.65% 3.66% $0 $0 p.a. 90% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
A special rate for first home buyers buying residential property and borrowing over $150K. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.49% 4.47% $0 $375 p.a. 90% Go to site More info
Tic:Toc Live in Loan Variable Rate
A competitive variable rate product with low fees offered by a 100% online lender.
3.58% 3.59% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials PI - Refinance Special
This loan is for refinancers only. A basic but flexible low-rate loan for refinancers looking to save on repayments.

3.54% 3.56% $0 $0 p.a. 80% Go to site More info
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.58% 3.58% $0 $0 p.a. 70% Enquire now More info
Mortgage House Advantage Variable Home Loan - 80 (PAYG Special No Offset)
A home loan with a competitive variable rate, limited fees and plenty of flexibility.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
ClickLoans Basic Home Loan - LVR <70%
A low-rate basic home loan requiring a 30% deposit.
3.64% 3.64% $0 $0 p.a. 70% Go to site More info
3.69% 3.72% $0 $0 p.a. 80% Go to site More info
 loans.com.au Offset PI - Refinance Special
This loan is for refinancers only. Switch from your current loan to this low-rate, flexible and feature-packed refinance special.

3.62% 3.64% $0 $0 p.a. 80% Go to site More info
ING Orange Advantage Loan - $500k to $1m (LVR <=80% Owner Occupier, P&I)
A loan with no application fee and borrow up to 95% LVR.
3.69% 4.01% $0 $299 p.a. 95% Go to site More info
UBank UHomeLoan Variable Rate - Standard Variable Rate Value Offer (Owner Occupier P&I)
Combine a low variable interest rate and free redraw with no application or ongoing fees.
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
4.64% 4.01% $0 $0 p.a. 80% Go to site More info
ClickLoans The Online Investor Home Loan - LVR <80%
An investment home loan with competitive rate and 100% offset account.
4.14% 4.14% $0 $0 p.a. 80% Go to site More info

Compare more home loans

Rates last updated November 23rd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Low Rate Platinum Card with No Fee Balance Transfer Offer
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
75,000 Bonus Qantas Points with Balance Transfer Offer
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
First Year Annual Fee Waiver and Balance Transfer Offer
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
60,000 Bonus Points Offer
Earn up to 60,000 bonus Velocity Points on eligible spend in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$129 p.a.
Annual Fee Refund
Caters to those who want high credit limits and Apple Pay. Also earn an uncapped 1 HSBC Rewards Plus point per $1 spent.
St.George Vertigo Visa - Online Offer
13.24% p.a.
0% p.a. for 18 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)

First Year Annual Fee Waiver and 0% Balance Transfer Offer

Enjoy a low interest rate on purchases with a no BT fee balance offer of 0% p.a. for 18 months and $0 annual fee for the first year.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Platinum Card with 0% p.a. for 24 months Balance Transfer offer
Receive a long-term balance transfer offer with complimentary travel insurance, Points per dollar spent and access to Citi benefits.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive Offer to finder.com.au
Receive 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on purchases, plus an annual fee waiver in the first year.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$79 p.a.
Low Rate Credit Card Offer
Take advantage of 0% p.a. on balance transfers and purchases for 13 months, combined with a low annual fee.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$59 p.a.
Low Rate Card with Long-Term Balance Transfer Offer
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 2018.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Bonus Points & Balance Transfer Offer
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
NAB Premium Card
19.74% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$90 p.a.
Platinum Credit Card with Balance Transfer
Enjoy Platinum perks including travel insurance for up to 6 months. Low introductory rate on balance transfers for 20 months.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$45 p.a.
Low Rate Credit Card
A no-frills card with a competitive annual fee and a low variable interest rate of 11.99% p.a. on purchases.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Low Rate Platinum Credit Card Offer
Enjoy 0% p.a. on balance transfers for 13 months with a low annual fee and no foreign transaction fees. Limited time only.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Low Purchase Rate and Balance Transfer Offer
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 44 days interest-free on purchases.

Compare up to 4 providers

Compare and learn more about credit cards

$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
Citi Personal Loan Plus
Borrow up to $75,000 to use for a range of purposes. Competitive rate of 9.99% p.a. available to all approved applicants.
From 9.99% (variable) 10.95% $5,000 3 to 5 years $199 Go to site More
DirectMoney Unsecured Personal Loan
This unsecured loan features tiers of interest rates from 8.5% p.a. to 19.95% p.a. based on your credit history.
From 8.5% (fixed) 9.36% $5,000 3 to 5 years $595 Go to site More
SocietyOne Unsecured Personal Loan
Based on your risk profile, you will receive a tailored rate between 7.5% and 20.14% with a SocietyOne personal loan.
From 7.5% (fixed) 9.51% $5,000 2 to 5 years 3% (of loan amount) Go to site More
NOW FINANCE Personal Loans
Get rewarded with a low interest rate for your good credit history. Rates from 8.95% p.a. to 16.95% p.a. depending on your credit score.
From 8.95% (fixed) 10.42% $4,000 1.5 to 7 years $395 (Based on $10,000) Go to site More
Pepper Money Unsecured Fixed Rate Personal Loan
Apply for up to $50,000 and receive conditional approval within minutes.
From 9.99% (fixed) 9.99% $5,000 1 to 7 years $0 Go to site More
Bank Australia Lifestyle Personal Loan
A competitive variable rate loan that gives you ten years to repay.
From 11.89% (variable) 12.94% $1,000 1 to 10 years $150 Go to site More
Latitude Personal Loans (Unsecured)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your account in as little as 24 hours.
From 13.99% (fixed) 15.19% $3,000 2 to 7 years $250 (Loans under $4000 - $140) Go to site More
Westpac Unsecured Personal Loan
Borrow up to $50,000 for a term of up to 7 years with the unsecured Loan from Westpac
From 12.99% (fixed) 14.14% $4,000 1 to 7 years $0 (On new loan applications before 7th December 2017) Go to site More
St.George Unsecured Personal Loan - Fixed Rate
Convenient redraw facility, flexible personal loan repayment options with competitive interest rate.
From 10.99% (fixed) 12.07% $2,000 1 to 5 years $0 (On new loan applications before 18th January 2018.) Go to site More
Bank of Melbourne Unsecured Fixed Rate Personal Loan
Apply for a loan from $3,000 and lock in a competitive fixed rate for up to 5 years.
From 10.99% (fixed) 12.07% $3,000 1 to 5 years $0 (On new loan applications before 18th January 2018.) Go to site More
BankSA Unsecured Fixed Rate Personal Loan
Take advantage of a competitive fixed rate and no application fee for a limited time.
From 10.99% (fixed) 12.07% $3,000 1 to 5 years $0 (On new loan applications before 18th January 2018.) Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated November 23rd, 2017.

Bank of Melbourne Incentive Saver

Variable rate was changed from 1.85% to 1.75%

December 23rd, 2016

ANZ Online Saver

Bonus interest rate was changed from 1.60% to 1.40%

December 23rd, 2016

Westpac eSaver

Ongoing interest rate was changed from 1.25% to 1.05%

December 23rd, 2016

View latest updates

Debbie Mariano Debbie
$
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Monthly Account Fee
Bankwest Hero Saver
Ongoing, variable 2.60% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.60% 0.01% 2.59% $0 $0 / $0 Go to site More
HSBC Serious Saver
Introductory rate of 3.00% p.a. for 4 months, reverting to a rate of 1.60% p.a. Available on balances below $1,000,000.
3.00% 1.60% 1.40% $0 $0 / $0 Go to site More
ANZ Progress Saver
Ongoing, variable 1.81% p.a. when you deposit $10+ each month and make no withdrawals. Available on the entire balance.
1.81% 0.01% 1.80% $0 $10 / $10 Go to site More
Westpac Life
Earn up to 2.30% p.a. interest. No monthly account-keeping fee. Set savings goals and track your progress.
2.30% 1.50% 0.80% $0 $0 / $0 Go to site More
HSBC Flexi Saver Account
Ongoing, variable 2.50% p.a. when you deposit $300+ each month (other conditions apply). Available on balances up to $5,000,000.
2.50% 1.25% 1.25% $0 $0 / $0 Go to site More
Westpac Reward Saver
Ongoing, variable 1.50% p.a. when you deposit at least $50 and make no withdrawals each month. Available on the entire balance.
1.50% 0.01% 1.49% $0 $0 / $0 Go to site More
Westpac eSaver
Introductory rate of 2.51% p.a. for 5 months, reverting to a rate of 1.00% p.a. Available on the entire balance.
2.51% 1.00% 1.51% $0 $0 / $0 Go to site More
ANZ Online Saver
Introductory rate of 2.55% p.a. for 3 months, reverting to 0.80% p.a. Available on the entire balance.
2.55% 0.80% 1.75% $0 $0 / $0 Go to site More
St.George Maxi Saver
Introductory rate of 2.60% p.a. for 3 months, reverting to a rate of 0.80% p.a. Available on the entire balance.
2.60% 0.80% 1.80% $0 $1 / $1 Go to site More
Citibank Online Saver
Introductory rate of 2.85% p.a. for 4 months, reverting to a rate of 1.70% p.a. Available on balances below $500,000.
2.85% 1.70% 1.15% $0 $0 / $0 Go to site More
Bank of Melbourne Incentive Saver
Ongoing, variable 2.00% p.a. when you make at least one deposit and no withdrawals each month. Available on the entire balance.
2.00% 0.80% 1.20% $0 $1 / $1 Go to site More
BankSA Maxi Saver
Introductory rate of 2.60% p.a. for 3 months, reverting to a rate of 0.80% p.a. Available on the entire balance.
2.60% 0.80% 1.80% $0 $1 / $1 Go to site More
BankSA Incentive Saver Account
Ongoing, variable 2.00% p.a. when you make at least one deposit each month and no withdrawals. Available on the entire balance.
2.00% 0.80% 1.20% $0 $0 / $0 Go to site More
Bank of Melbourne Maxi Saver
Introductory rate of 2.60% p.a. for 3 months, reverting to 0.80% p.a. Available on the entire balance.
2.60% 0.80% 1.80% $0 $0 / $0 Go to site More

Compare and learn about bank accounts

Rates last updated November 23rd, 2017
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 12 Mths p.a. 24 Mths p.a. 36 Mths p.a. 48 Mths p.a. 60 Mths p.a. Min Deposit Interest Earned
Bankwest Online Term Deposit
2.35%
1.50%
2.50%
2.65%
2.60%
2.60%
2.65%
2.65%
$1,000
St.George Term Deposit
2.05%
1.85%
2.15%
2.45%
2.50%
2.60%
2.70%
2.80%
$1,000
Citibank Term Deposit
-
-
2.70%
-
-
-
-
-
$75,000
Citibank Term Deposit $250,000+
-
-
3.00%
-
-
-
-
-
$250,000
BankSA Term Deposit
2.05%
1.85%
2.15%
2.45%
2.50%
2.60%
2.70%
2.80%
$1,000
Westpac Term Deposit
2.00%
1.85%
2.05%
2.30%
2.40%
2.50%
2.60%
2.80%
$5,000
Bank of Melbourne Term Deposit
2.05%
1.85%
2.15%
2.45%
2.50%
2.60%
2.70%
2.80%
$1,000

Compare up to 4 providers

Compare term deposits

How to compare home loan interest rates

A feature of finder.com.au is that there is a graph on the bottom of each product page showing how closely the variable interest rate movements have followed movements in the RBA cash rate. Also, each home loan product will display a graph indicating how many loan products have higher and lower interest rates.

One advantage of comparing online rather than comparing mortgages using a mortgage broker is that online comparison websites tend to have a range of online home loans with lower interest rates than can be offered by mortgage brokers.

The reason interest rates for online home loans are so low is that they don’t pay the high costs of branch networks nor do they pay expensive mortgage broker commissions, says Heidi Armstrong, Director of Operations at State Custodians.


How do interest rates impact me?

Interest rates determine how much your repayments are for whatever debt you’ve incurred. For example, if your home loan interest rate goes down, your regular repayments will drop as well. And if your lender doesn’t have as low an interest rate as you’d like, you can refinance to save money on those regular repayments.

To calculate the impact of different types of loans on your monthly repayments, you may to use our range of calculators.

Learn more and check out our range of calculators here

Gain insights on the RBA cash rate

We poll the nation’s top economists each month on where they think the RBA cash rate is heading next and also take their temperature on our economy and housing market. If you can’t make sense of how the financial markets and economy reports on the nightly news affect your home loan, our economists tell it to you straight about the impacts that really matter without the confusing jargon and ever-moving indexes.

We also track the standard variable interest rates from a range of lenders to give you an indication of whether they have been passing on the spell of recent Reserve Bank of Australia cash rate cuts. You can see for yourself which banks are loyal to their customers by passing on interest rate savings, rather than just offering discounts for new customers.

RBA cash rate analysis

What lenders are compared?

We compare hundreds of home loans from the major banks, to mutual banks, credit unions and building societies to online home loan providers. If you like choice and getting the best deal, it is well worth comparing home loans on finder.com.au.

Learn more and start Comparing home loans now

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