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 August 16th, 2018.

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

Interest rate is now 3.64%

July 26th, 2018

Tic:Toc Investor Interest Only Variable Rate Home Loan

Interest rate increased by 0.12%

July 26th, 2018

Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed (Principal & Interest)

Interest rate decreased by 0.27%

July 26th, 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 - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
Special discounted interest rate
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
loans.com.au Essentials - Variable (Owner Occupier, P&I)
Competitive interest rate and limited fees
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2 million from a convenient online lender.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Get approved faster with a speedy online application
Low interest rate and limited fees. Add a 100% offset account for $10 a month.
3.64% 3.65% $0 $0 p.a. 80% Go to site 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 (subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
3.68% 3.82% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
ME Flexible Home Loan With Member Package - LVR <=80% $400k up to $699,999 (Owner Occupier, P&I)
Save on interest with a 100% offset account
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.69% 4.11% $0 $395 p.a. 80% Go to site More info
Mortgage Choice Basic Variable Rate - OO LVR <= 80% ($150k +) P&I Only
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
3.74% 3.74% $0 $0 p.a. 80% Enquire now More info
Homestar Finance Variable Rate Home Loan - Owner Occupier ($900 cashback)
$900 cashback offer on settlement
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility.
3.54% 3.59% $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.
3.64% 3.64% $0 $0 p.a. 70% Enquire now More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier, P&I)
Earn thousands of Velocity Frequent Flyer Points on your mortgage (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
3.64% 3.78% $0 $10 monthly ($120 p.a.) 80% Enquire now More info
Mortgage House Affordable First Home Buyer Special (Owner Occupier, P&I)
A competitive interest rate for first home buyers that keeps fees low. You will need a 20% deposit and can borrow up to 500000.
3.64% 3.68% $0 $0 p.a. 80% Enquire now More info
3.72% 4.10% $0 $395 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)
Save on interest with a 100% offset account
Loans over $150k 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
Macquarie Bank Basic Home Loan - LVR up to 70% (Owner Occupier, P&I)
This sharp rate product requires a 30% deposit
Pay no application or ongoing fees and get a flexible loan with the ability to split up to 6 times.
3.75% 3.75% $0 $0 p.a. 70% Enquire now More info
HSBC Premier Standard Variable Loan (Owner Occupier, P&I)
Cut down on interest payments with a 100% offset account
Package your loan and get an interest rate discount and help from an HSBC relationship manager. Low fees help you save even more.
3.69% 3.70% $0 $0 p.a. 90% Go to site More info

Compare more home loans

Rates last updated August 16th, 2018
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 25 months
$99 p.a.
Long-Term Balance Transfer Offer
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Reduced First Year Annual Fee & Balance Transfer Offer
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
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 - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Exclusive Offer to finder.com.au
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
St.George Vertigo Visa
13.74% p.a.
0% p.a. for 16 months
$55 p.a.

Low Annual Fee with Balance Transfer Offer

Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
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.
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.
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% for 14 months 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.
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.
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.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
60,000 Bonus Points and Annual Fee Offer
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, 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.
Annual Fee Refund & Balance Transfer Offer
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000.
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.
St.George Amplify Signature - Qantas - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Reduced First Year Annual Fee & Bonus Points Offer
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.

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
ING Personal Loan
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
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
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
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
RateSetter 3-Years Personal Loan
RateSetter offers loans with terms ranging from 6 months to 5 years and comparison rates from 6.39% p.a. - 11.08% p.a. based on your risk profile.
Interest and comparison rates calculated for a 3-year loan term.
From 7.17% (fixed) 9.72% $2,001 0.5 to 5 years $220 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
CUA Unsecured Fixed Rate Personal Loan
Apply for a loan up to $60,000 and keep repayments manageable with a competitive fixed rate.
11.99% (fixed) 11.99% $5,000 1 to 7 years $0 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
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 21.74% 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
Westpac Unsecured Personal Loan
A competitive, fixed rate personal loan that allows you to make extra repayments.
12.99% (fixed) 14.14% $4,000 1 to 7 years $250 Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated August 16th, 2018.

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% 1.00% 1.80% $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 of Queensland WebSavings Account
Introductory rate of 2.90% p.a. for 4 months, reverting to the standard rate of 1.30% p.a. Available on balances up to $5,000,000 and subject to approval above this balance.
2.90% 1.30% 1.60% $0 $1 / $1 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
AMP SuperEdge Saver Account
Link to your SMSF. Ongoing, variable 2.05% p.a. when you link to AMP SuperEdge Cash Account or a different transaction account for your SMSF in another bank. Available on the entire balance.
2.05% 2.05% 0.00% $0 $0 / $0 Go to site More

Compare and learn about bank accounts

Rates last updated August 16th, 2018
$
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
Citibank Term Deposit
2.60%
-
2.80%
3.00%
-
-
$100,000
UBank Term Deposit Account
2.60%
2.70%
2.75%
2.64%
-
-
$1,000
Bank Australia Term Deposit Account
1.15%
1.15%
1.55%
1.85%
2.15%
2.35%
$500
Bank Australia Term Deposit Account 5000+
2.20%
2.20%
2.60%
2.85%
2.95%
3.00%
$5,000
MyState Bank Online Term Deposit
2.50%
2.35%
2.55%
2.70%
2.80%
-
$5,000
Firstmac Term Deposit
2.55%
-
2.75%
2.65%
2.75%
-
$5,000
AMP Term Deposit $25,000+
2.55%
2.60%
2.80%
2.85%
2.95%
3.00%
$25,000
AMP Term Deposit $100,000+
2.55%
2.60%
2.80%
2.85%
2.95%
3.00%
$100,000
AMP Term Deposit $5000+
2.35%
2.40%
2.60%
2.65%
2.75%
2.80%
$5,000
BCU Term Deposit
1.25%
0.71%
1.40%
1.45%
2.55%
1.80%
$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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