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 January 20th, 2019.

Tic:Toc Live in Loan Fixed Rate - 1 Year (Owner Occupier, P&I)

Interest rate is now 3.64%

July 26th, 2018

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Interest rate is now 3.64%

July 26th, 2018

Tic:Toc Invest Fixed Rate Loan - 2 Years Fixed (Principal & Interest)

Interest rate decreased by 0.25%

July 26th, 2018

View latest updates

Richard Whitten Richard
$
Loan purpose
Offset account
Loan type
Repayment 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
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.59% 3.59% $0 $0 p.a. 80% Go to site More info
HSBC Home Value Loan - (Owner Occupier P&I)
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
3.59% 3.61% $0 $0 p.a. 90% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)
NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.
3.69% 3.72% $445 $0 p.a. 90% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Loans over $150000 get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.49% 4.57% $0 $395 p.a. 90% Go to site More info
Homestar Finance - Variable Owner Occupier Offer $900 Cashback
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.54% 3.58% $0 $0 p.a. 80% Go to site More info
SCU My Life Variable Rate Home Loan Package - $150,000+ (Owner Occupier, P&I)
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
3.59% 3.63% $0 $0 p.a. 90% Go to site More info
Yellow Brick Road Rate Smasher Home Loan
A low interest rate home loan with no application or ongoing fees.
3.64% 3.64% $0 $0 p.a. 70% Enquire now More info
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.79% 4.22% $0 $395 p.a. 80% Go to site More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Requires a 30% deposit.
3.75% 3.75% $0 $0 p.a. 70% Enquire now More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.
3.57% 3.58% $0 $0 p.a. 80% Go to site More info
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Up to $750,000 Owner Occupier, P&I)
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options.
3.85% 3.85% $0 $0 p.a. 80% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier, P&I)
Earn Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
3.73% 3.87% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Macquarie Bank Flyer Home Loan
Earn tens of thousands of Qantas Points to spend on flights, hotels and more with this variable owner occupier mortgage. Competitive variable rate mortgage that requires a 30% deposit.
3.80% 4.05% $0 $0 p.a. 70% Enquire now More info

Compare more home loans

Rates last updated January 20th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Long-Term Balance Transfer Offer
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum Credit Card with Balance Transfer Offer
Save with 0% p.a. interest for up to 24 months on balance transfers with no balance transfer fee. Plus, platinum perks. Ends 23 January 2019.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum Credit Card with a Low Interest Rate *
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
$0 First Year Annual Fee and Balance Transfer Offer
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Discounted First Year Annual Fee & Balance Transfer Offer
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Reward Points. Plus, a discounted first year annual fee when you apply online.
Citi Rewards Platinum Credit Card - Online Offer
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
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
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
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Discounted First Year Annual Fee & Purchase Offer
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
Westpac 55 Day credit card - Online Offer
0% p.a. for 13 months (reverts to 19.84% p.a.)
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
$0 First Year Annual Fee & Purchase Offer
Save with 0% p.a. interest for the first 13 months on purchases and a $0 first year annual fee.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
Low Rate Credit Card
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
No Annual Fee Card with Low Balance Transfer Offer
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Platinum Credit Card with Balance Transfer
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
Skye Mastercard - Online Offer
23.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
$0 First Year Annual Fee & Interest-Free Days
Get 90 days interest-free, $0 foreign transaction fees and a $0 annual fee for the first year when you apply through finder.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Bonus Qantas Points Offer
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Low Annual Fee and up to interest-free days
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.

Compare up to 4 providers

Compare and learn more about credit cards

Compare personal loans

Rates last updated January 20th, 2019.

NAB Personal Loan Unsecured Variable Rate

A low variable interest rate

June 3rd, 2015

View latest updates

Suraj Shrestha Suraj
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
RateSetter Unsecured Personal Loan - 3yr Fixed
You'll receive a fixed rate from 8.63% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
From 8.63% (fixed) 9.24% $2,001 0.5 to 5 years $89 Go to site More
ANZ Fixed Rate Personal Loan
You'll receive a fixed rate of 12.45% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.
12.45% (fixed) 13.32% $5,000 1 to 7 years $150 Go to site More
SocietyOne Unsecured Personal Loan
You'll receive a fixed rate between 7.5% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
From 7.5% (fixed) 9.51% $5,000 2 to 5 years 3% (of loan amount) Go to site More
Citi Personal Loan Plus
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.
From 8.99% (variable) 9.96% $5,000 3 to 5 years $199 Go to site More
Harmoney Unsecured Personal Loan
You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.
From 6.99% (fixed) 7.69% $5,000 3 to 5 years $500 (Upfront fee) Go to site More
ING Personal Loan
You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.
8.99% (fixed) 9.13% $5,000 2 to 5 years $100 Go to site More
Westpac Unsecured Personal Loan
You'll receive a fixed rate of 12.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts.
12.99% (fixed) 14.14% $4,000 1 to 7 years $250 Go to site More
Latitude Personal Loan (Unsecured)
You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.
From 13.99% (fixed) 15.19% $3,000 2 to 7 years $250 (Loans under $4000 - $140) Go to site More
NOW FINANCE Personal Loans
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required. Note: Get your loan approved and settled before 31 January 2019 and receive a $200 Coles gift card.
From 8.95% (fixed) 10.56% $5,000 1.5 to 7 years $495 (Based on $10,000) Go to site More
HSBC Personal Loan
You'll receive a fixed rate between 8.5% p.a. and 16.99% p.a. based on your risk profile
An unsecured personal loan with a tailored, fixed rate where you can make additional and early repayments without penalty.
From 8.5% (fixed) 9.06% $5,000 1 to 5 years $150 Go to site More
NAB Personal Loan Unsecured Fixed
You'll receive a fixed rate between 11.49% p.a. and 18.99% p.a. based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years.
Headline rate 13.49% (fixed) 14.36% $5,000 1 to 7 years $150 Go to site More
Latitude Low Rate Personal Loan (Unsecured)
You'll receive a fixed rate of 10.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of $20,000. Benefit from flexible repayments and fast approval.
10.99% (fixed) 12.21% $20,000 2 to 7 years $250 Go to site More
Pepper Money Unsecured Fixed Rate Personal Loan
You'll receive a fixed rate between 9.99% p.a. and 27.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no monthly or application fees.
From 9.99% (fixed) 9.99% $5,000 1 to 7 years $0 Go to site More
St.George Unsecured Personal Loan - Fixed Rate
You'll receive a fixed rate between 11.99% p.a. and 18.99% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes. Note: Listed rate of 11.99% p.a. includes a 1% discount available if you apply and are approved before 31st March, 2019.
From 11.99% (fixed) 13.07% $2,000 1 to 5 years $195 Go to site More
RACQ Bank Unsecured Personal Loan
You'll receive a variable rate of 12.95% p.a.
A low minimum borrowing amount of $3,000 that you can use for a range of purposes. Benefit from member discounts and flexible repayments. Only available to QLD residents
12.95% (variable) 13.25% $3,000 5 years $200 Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated January 20th, 2019.

HSBC Flexi Saver Account

Variable interest rate was changed from 2.75% to 2.50%

May 8th, 2015

Bankwest Hero Saver

Variable rate changed from 3.15% to 2.90%

October 20th, 2015

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
HSBC Serious Saver
Receive a maximum variable rate of 3.10% p.a. for 4 months, reverting to an ongoing rate of 1.40% p.a. when you make no withdrawals in the month. Available on balances below $1,000,000.
3.10% 1.40% 1.70% $0 $0 / $0 Go to site More
RaboDirect High Interest Savings Account
Introductory rate of 3.05% p.a. for 4 months, reverting to a rate of 1.80% p.a. Available on balances below $250,000
3.05% 1.80% 1.25% $0 $0 / $0 Go to site More
UBank USaver
Earn up to 2.87% p.a. by linking your USaver account to a UBank Ultra transaction account and transferring at least $200 per month into either account. This offer is available on balances up to $200,000.
2.87% 1.81% 1.06% $0 $0 / $0 Go to site More
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
AMP Saver Account
Introductory rate of 2.55% p.a. for 4 months, reverting to a rate of 2.10% p.a. Available on balances below $5,000,000.
2.55% 2.10% 0.45% $0 $0 / $0 Go to site More
HSBC Flexi Saver Account
Ongoing, variable 2.50% p.a. when you grow your balance by $300+ per month. Earn bonus interest even if you make withdrawals during the month. Available on balances up to $5,000,000.
2.50% 1.25% 1.25% $0 $0 / $0 Go to site More
AMP SuperEdge Saver Account
Earn an ongoing, variable 2.05% p.a. when you link your AMP SuperEdge Saver Account to an AMP SuperEdge Cash Account or transaction account for your SMSF at another bank. Available on the entire balance.
2.05% 2.05% 0.00% $0 $0 / $0 Go to site More
AMP Bett3r Account
With AMP's bundled Bett3r account, get three linked Pay, Spend and Save accounts. Earn a competitive, ongoing rate of up to 2.25% on your Save account balance when you deposit $2,000 into the Pay account each month from a source that is not another AMP Bank account. Please note: The 2.25% maximum variable rate is earned only on your Save account balance. To calculate interest earned, enter your initial and monthly deposit amounts for the Save account only, not including any money that’ll be in your Spend or Pay account.
2.25% 1.50% 0.75% $5 $0 / $0 Go to site More

Compare and learn about bank accounts

Rates last updated January 20th, 2019
$
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. Min Deposit Interest Earned
ME Term Deposit
2.60%
2.60%
2.75%
2.75%
2.85%
3.00%
$1,000
AMP Term Deposit $100,000+
2.50%
2.40%
2.75%
2.75%
2.75%
2.85%
$100,000
AMP Term Deposit $25,000+
2.50%
2.40%
2.75%
2.75%
2.75%
2.85%
$25,000
AMP Term Deposit $5000+
2.30%
2.20%
2.55%
2.55%
2.55%
2.65%
$5,000
UBank Term Deposit Account
2.70%
2.70%
2.75%
2.75%
-
-
$1,000
RACQ Bank Term Deposit
2.35%
2.35%
2.60%
2.70%
2.80%
3.00%
$1,000
Firstmac Term Deposit
2.55%
-
2.75%
2.65%
2.75%
-
$5,000

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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