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 May 22nd, 2018.

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

Interest rate is now 3.52%

February 20th, 2018

Bank Australia Basic Home Loan - Special LVR <80% (Owner Occupier)

Interest rate decreased by 0.09%

March 13th, 2018

Bankwest Complete Home Loan Package Variable - LVR <=90% (Owner Occupier, P&I)

Interest rate decreased by 0.29%

March 22nd, 2018

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
UBank UHomeLoan Variable Rate - Discounted Rate — borrowing between $200,000 and less than $700,000 (Owner Occupier, P&I)
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).
3.69% 3.69% $0 $0 p.a. 80% Go to site More info
Mortgage House Advantage Variable Home Loan - 80 (PAYG Special No Offset)
A mortgage with a competitive variable rate, limited fees and plenty of flexibility.
3.64% 3.67% $0 $0 p.a. 80% Enquire now More info
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
Pay no application or ongoing fees and get a flexible loan with the ability to split up to 6 times.
3.69% 3.69% $0 $0 p.a. 70% Enquire now More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier, P&I)
New borrowers or refinancers from another lender get a discounted rate with this package loan.
3.64% 4.03% $0 $395 p.a. 80% Go to site More info
ClickLoans Basic Home Loan - LVR <70% with Offset
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
3.64% 3.84% $0 $0 p.a. 70% Go to site More info
Mortgage House Advantage Variable Home Loan - LVR 80% (Owner Occupier, with Offset)
Get a 100% offset account to save on interest charges, and pay no application fee.
3.68% 3.83% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Heritage Bank Discount Variable Home Loan - LVR <=80% (Owner Occupier) New Customers Only
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
3.69% 3.71% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Go from application to approval in as little as 20 minutes with a variable rate loan from this innovative online lender. Add a 100% offset account for $10 a month.
3.52% 3.53% $0 $0 p.a. 80% Go to site More info
AMP Professional Package Variable Rate Home Loan - $750,000 and above (Owner Occupier, P&I)
Package your loan with other AMP products and save on rates and fees.
3.69% 4.06% $0 $349 p.a. 90% Enquire now More info
Bankwest Complete Home Loan Package Variable - LVR <=90% (Owner Occupier, P&I)
Package your loan with an eligible credit card for discounts on rates and fees, and get a 100% offset account.
3.70% 4.13% $0 $395 p.a. 90% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Loans over $150k get a discount off an already low fixed rate. Available for NSW, Qld and ACT residents only.
3.49% 4.49% $0 $395 p.a. 90% Go to site More info
Macquarie Bank Basic Home Loan - LVR ≤ 80% (Up to $750,000 Owner Occupier, P&I)
Pay no application and ongoing fees with Macquarie Bank Basic Home Loan.
3.79% 3.79% $0 $0 p.a. 80% Enquire now More info
Bendigo Bank Connect Package Home Loan - > $150,000 (VIC only, Owner Occupier, P&I)
Add a Platinum Rewards Mastercard with this package loan and you could earn 150,000 Bendigo reward points (Victoria only, terms and conditions apply).
3.79% 4.06% $0 $20 monthly ($240 p.a.) 80% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
Start your home buying journey with 2 years of fixed repayments and a reasonable rate from a big 4 bank. Available with a 10% deposit.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
SCU Basic Variable Rate Home Loan
A simplified mortgage with a low interest rate and a redraw facility.
3.77% 3.81% $200 $0 p.a. 95% Go to site More info

Compare more home loans

Rates last updated May 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 26 months with 2% 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
Take advantage of 0% p.a. for 26 months on balance transfers with a one-time 2% balance transfer fee and a $0 first year annual fee.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus first year annual fee waiver and 0% p.a. for 24 months on balance transfers.
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 in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
HSBC Low Rate Credit Card
13.25% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$79 p.a.
0% p.a. Balance Transfer Offer
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
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.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
0% Purchase Offer with Virgin Australia Gift Voucher
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
ME frank Credit Card
11.99% p.a.
$0 p.a.

No Annual Fee Low Rate Credit Card

Save money with a $0 annual fee for life, the same low 11.99% p.a. interest rate on purchases and up to 55 days interest-free.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Low Annual Fee and Balance Transfer Offer
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
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 first year annual fee waiver, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$0 p.a.
No Annual Fee Card with Low Balance Transfer Offer
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
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, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. Balance Transfer Offer
Take advantage of 0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$199 p.a.
Qantas Frequent Flyer Credit Card
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary 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 discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months on balance transfers.

Compare up to 4 providers

Compare and learn more about credit cards

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Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
HSBC Personal Loan
A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.
From 9.5% (fixed) 10.06% $5,000 1 to 5 years $150 Go to site More
SocietyOne Unsecured Personal Loan
Based on your risk profile, you will receive a tailored rate between 7.5% and 20.49% 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
Citi Personal Loan Plus
Borrow up to $75,000 to use for a range of purposes. You’ll receive a rate of between 8.99% p.a. and 17.99% p.a. depending on your risk profile. (Comparison Rate of 9.96% p.a. to 18.91% p.a..)
From 8.99% (variable) 9.96% $5,000 3 to 5 years $199 Go to site More
Harmoney Unsecured Personal Loan
Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a.. based on your credit history.
From 6.99% (fixed) 7.69% $5,000 3 to 5 years $500 (Upfront fee) Go to site More
Latitude Personal Loan (Unsecured)
An unsecured loan with a tailored rate from 13.99% p.a. to 29.99% p.a. designed for multiple purposes including renovating, buying a car or travelling.
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
A competitive, fixed rate personal loan that allows you to make extra repayments. Apply before 14 June 2018 and pay $0 establishment fee.
12.99% (fixed) 14.14% $4,000 1 to 7 years $250 (No establishment fee for a new Unsecured Personal Loan before 14 June 2018) Go to site More
ANZ Fixed Rate Personal Loan
Apply for up to $50,000 to use however you choose and benefit from a competitive fixed rate.
10.99% (fixed) 11.87% $5,000 1 to 7 years $150 Go to site More
MyState Unsecured Personal Loan
Apply for up to $50,000 and make additional repayments at any time without penalty.
12.99% (variable) 16.42% $3,000 1 to 7 years $200 Go to site More
Heritage Bank Standard Personal Loan
A flexible personal loan where you can choose a fixed or variable rate and make extra repayments at any time.
12.99% (fixed) 13.61% $5,000 1 to 5 years $200 Go to site More
St.George Unsecured Personal Loan - Fixed Rate
Convenient redraw facility and flexible personal loan repayment options with a competitive interest rate between 12.99% p.a. and 19.99% p.a.. If you borrow more than $10,000 to buy a new or used car, you'll receive a $200 fuel card. Note: Must apply before 28 June 2018.
From 12.99% (fixed) 14.06% $2,000 1 to 5 years $195 Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated May 22nd, 2018.

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

ING Savings Maximiser

Introductory interest rate increased from 1.15% to 1.40%

December 12th, 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
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 / $1 Go to site More
ING Savings Maximiser
Ongoing, variable 2.80% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month and make 5+ card purchases a month. Available on balances up to $100,000.
2.80% 1.15% 1.65% $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
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
Bank Australia Bonus Saver Account
Ongoing, variable 2.60% p.a. when you deposit at least $100 and make no withdrawals. Available on the entire balance.
2.60% 0.15% 2.45% $0 $0 / $1 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
AMP Bett3r Account - Save Account
Earn a competitive, ongoing rate of up to 2.25% p.a. and set personal savings goals. Receive linked Pay and Spend accounts to help manage your money effortlessly.
2.25% 1.50% 0.75% $0 $0 / $0 Go to site More
RaboDirect High Interest Savings Account (SMSF)
Introductory rate of 2.70% p.a. for 4 months, reverting to a rate of 1.90% p.a. Available on balances below $250,000
2.70% 1.90% 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
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
Westpac Life
Ongoing, variable 2.30% p.a. each month you deposit money, and make sure your balance is higher at the end of the month than it was at the beginning. No monthly account-keeping fee.
2.30% 1.50% 0.80% $0 $0 / $0 Go to site More
RaboDirect SMSF PremiumSaver
Ongoing, variable 2.15% p.a. when you link to an RaboDirect High Interest Savings Account and increase your balance by $200+ each month. Available on balances up to $250,000.
2.15% 0.90% 1.25% $0 0 / $0 Go to site More

Compare and learn about bank accounts

Rates last updated May 22nd, 2018
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a. Min Deposit Interest Earned
Citibank Term Deposit
-
-
2.80%
-
-
-
$100,000
RaboDirect Term Deposit
2.30%
-
2.50%
-
2.40%
2.60%
$1,000
MyState Bank Online Term Deposit
2.50%
2.35%
2.50%
1.50%
2.60%
2.60%
$5,000
Firstmac Term Deposit
2.40%
-
2.50%
-
2.65%
2.75%
$5,000
RaboDirect Term Deposit (SMSF)
2.30%
-
2.50%
-
2.40%
2.60%
$1,000
St.George Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
BCU Term Deposit
1.25%
0.71%
1.40%
0.71%
1.45%
2.55%
$1,000
BankSA Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
Bank of Melbourne Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
Bankwest Online Term Deposit
2.35%
1.50%
2.60%
1.50%
2.65%
2.60%
$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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