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 February 20th, 2018.

View latest updates

Richard Whitten Richard
$
Loan purpose
Offset account
Loan type
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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.
3.59% 3.60% $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.
3.52% 3.54% $0 $0 p.a. 80% 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% 4.49% $0 $375 p.a. 90% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
A competitive variable rate product with no application or valuation fees offered by a 100% online lender.
3.52% 3.53% $0 $0 p.a. 80% Go to site More info
Homestar Finance Variable Rate Home Loan - Owner Occupier ($1200 cashback)
A variable rate home loan with competitive rate, redraw facility and offset account.
3.54% 3.58% $0 $0 p.a. 80% Go to site More info
3.74% 3.74% $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
3.64% 3.67% $0 $0 p.a. 80% Go to site More info
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I)
A special limited time offer for owner occupiers. An IMB Transaction Account must be opened with this loan.
3.69% 3.69% $0 $0 p.a. 90% Go to site More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Take advantage of a 100% offset account along with no annual or application fees.
3.60% 3.62% $0 $0 p.a. 80% Go to site More info
SCU Basic Variable Rate Home Loan
A basic home loan with a low interest rate and a redraw facility available.
3.77% 3.81% $200 $0 p.a. 95% Go to site More info
CUA Advance Variable Home Loan - Owner Occupier, P&I
A competitive variable rate home loan with no application fee.
3.65% 3.66% $0 $0 p.a. 90% 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
Bank Australia Basic Home Loan - Special LVR <80% (Owner Occupier)
A special variable rate home loan with no application or ongoing fees.
3.74% 3.75% $0 $0 p.a. 80% Go to site More info
3.62% 3.62% $0 $0 p.a. 80% Go to site More info

Compare more home loans

Rates last updated February 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
25 Month Balance Transfer Offer
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Low Rate Card with Long-Term Balance Transfer Offer
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Bankwest Breeze Classic Mastercard
12.99% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$79 p.a.
Low Rate Credit Card Offer
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Low Rate Platinum Card with No Fee Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
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 meet the offer criteria, a 0% p.a. for 14 month balance transfer offer 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
$129 p.a.
Balance Transfer Offer and Annual Fee Refund
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 26 months with 2.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Platinum Card with 0% p.a. for 26 months Balance Transfer offer
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 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
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)

No First Year Annual Fee with Balance Transfer Offer

Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
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.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Qantas Frequent Flyer Credit Card with Bonus Points Offer
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
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.
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Balance Transfer Offer
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$59 p.a.
Low Rate Balance Transfer Offer
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.

Compare up to 4 providers

Compare and learn more about credit cards

Compare personal loans

Rates last updated February 20th, 2018.

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
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.
9.99% (variable) 10.95% $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
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. Apply before 31 March 2018 to earn 2 Velocity Points for every $1 you borrow.
From 7.5% (fixed) 9.51% $5,000 2 to 5 years 3% (of loan amount) Go to site More
HSBC Personal Loan
A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.50% 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
Pepper Money Unsecured Fixed Rate Personal Loan
Apply for up to $50,000 and receive conditional approval within minutes. Interest rates range from 9.99% p.a. to 21.49% p.a. The rate you are approved for depends on individual circumstances.
From 9.99% (fixed) 9.99% $5,000 1 to 7 years $0 Go to site More
NAB Personal Loan Unsecured Fixed
An unsecured personal loan with a competitive fixed rate that you can make additional repayments to without penalty. Note: You must have held a NAB credit card or transaction account for at least 6 months before applying.
11.99% (fixed) 12.87% $5,000 1 to 7 years $150 Go to site More
Heritage Bank Standard Personal Loan
A competitive personal loan available up to $50,000.
From 10.94% (fixed) 11.57% $5,000 1 to 5 years $200 Go to site More
Westpac Unsecured Personal Loan
Borrow up to $50,000 for a term of up to 7 years with this unsecured loan. Apply before 28 February 2018 for a 1% p.a. interest rate discount. Conditions apply.
From 12.99% (fixed) 14.14% $4,000 1 to 7 years $250 Go to site More
MyState Unsecured Personal Loan
Apply for up to $50,000 and make additional repayments at any time without penalty.
From 12.99% (variable) 16.42% $3,000 1 to 7 years $200 Go to site More
Latitude Personal Loan (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. If you have an Unsecured Personal Loan with any Big Four bank, Latitude will beat your rate by 1% p.a. Offer ends 18 March 2018
From 13.99% (fixed) 15.19% $3,000 2 to 7 years $250 (Loans under $4000 - $140) 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. Apply before 28 Feb 2018 for a $0 application fee. Conditions apply.
From 12.99% (fixed) 14.06% $2,000 1 to 5 years $0 (On new loan applications before 28th February 2018.) Go to site More
NAB Personal Loan Unsecured Variable Rate
An unsecured loan up to $55,000 that you can repay early without penalty. Note: You must have held a NAB credit card or transaction account for at least 6 months before applying.
15.69% (variable) 16.55% $5,000 1 to 7 years $150 Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated February 20th, 2018.

ANZ Progress Saver

Introductory interest rate was changed from 2.00% to 1.90%

October 31st, 2016

Westpac eSaver

Ongoing interest rate was changed from 1.25% to 1.05%

December 23rd, 2016

Bank of Melbourne Incentive Saver

Variable rate was changed from 1.85% to 1.75%

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
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
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 1.71% p.a. when you deposit $10+ each month and make no withdrawals. Available on the entire balance.
1.71% 0.01% 1.70% $0 $10 / $10 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
Westpac eSaver
Total introductory rate of 2.41% p.a. for 5 months, reverting to a rate of 0.80% p.a. Available on the entire balance.
2.41% 0.80% 1.61% $0 $0 / $0 Go to site More
ANZ Online Saver
Introductory rate of 2.55% p.a. for 3 months, reverting to 0.50% p.a. Available on the entire balance.
2.55% 0.50% 2.05% $0 $0 / $0 Go to site More
St.George Maxi Saver
Introductory rate of 2.70% p.a. for 3 months, reverting to a rate of 0.80% p.a. Available on the entire balance.
2.70% 0.80% 1.90% $0 $1 / $1 Go to site More
Bank of Melbourne Incentive Saver
Ongoing competitive interest rate applied to your entire balance when you make at least one deposit and no withdrawals each month.
2.30% 1.10% 1.20% $0 $1 / $1 Go to site More
BankSA Maxi Saver
Introductory rate of 2.70% p.a. for 3 months, reverting to a rate of 0.80% p.a. Available on the entire balance.
2.70% 0.80% 1.90% $0 $1 / $1 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
BankSA Incentive Saver Account
Earn a competitive interest rate when you make one deposit of any amount per month and don't make any withdrawals. Available on the entire balance.
2.30% 1.10% 1.20% $0 $0 / $0 Go to site More
Bank of Melbourne Maxi Saver
Introductory rate of 2.70% p.a. for 3 months, reverting to 0.80% p.a. Available on the entire balance.
2.70% 0.80% 1.90% $0 $0 / $0 Go to site More

Compare and learn about bank accounts

Rates last updated February 20th, 2018
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 9 Mths p.a. 12 Mths p.a. 24 Mths p.a. Min Deposit Interest Earned
Citibank Term Deposit
-
-
2.70%
-
-
-
$75,000
Citibank Term Deposit $250,000+
-
-
2.98%
-
-
-
$250,000
St.George Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
Bankwest Online Term Deposit
2.35%
1.50%
2.45%
1.50%
2.60%
2.60%
$1,000
BankSA Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
Westpac Term Deposit
2.00%
1.85%
2.05%
1.90%
2.30%
2.40%
$5,000
Bank of Melbourne Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$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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