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 March 26th, 2019.

Bank of Queensland Fixed Rate Home Loan - 2 Year Fixed Rate Discount Rate $150k+ <80% LVR (Investor, P&I)

Interest rate decreased by 0.05%

March 18th, 2019

Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Interest rate increased by 0.10%

March 25th, 2019

Athena Variable Home Loan - Refinance (Owner Occupier, IO)

Interest rate increased by 0.10%

March 25th, 2019

View latest updates

Richard Whitten Richard
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Loan purpose
Offset account
Loan type
Repayment 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 - (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
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
Mortgage House Advantage Home Loan Payg Debt Consolidation
A low, variable rate mortgage for home buyers wishing to consolidate existing debts. Refinancers can get up to $1,000 on settlement to help with switching costs.
3.59% 3.62% $600 $0 p.a. 70% Enquire now More info
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
3.59% 3.57% $0 $0 p.a. 80% Go to site More info
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
loans.com.au Smart Home Loan (Owner Occupier, P&I)
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
3.48% 3.50% $0 $0 p.a. 80% 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% 4.58% $0 $395 p.a. 90% Go to site More info
ME Basic Home Loan - LVR <=80% (Owner Occupier, P&I)
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.97% 3.99% $0 $0 p.a. 80% Go to site More info
Homestar Star Essentials Home Loan
Get a very low variable rate and avoid large fees when buying a home. Requires a 20% deposit. Fee waivers for eligible refinancers.
3.49% 3.49% $0 $0 p.a. 80% 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. 90% Go to site More info
Tic:Toc Live in Loan Variable Rate - Principal & Interest
Get a very low interest rate and pay no application, settlement or valuation fees. Apply online for full approval in real time and add a 100% offset account for $10 a month.
3.57% 3.58% $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.
3.70% 3.70% $0 $0 p.a. 70% Enquire now More info
Athena Variable Home Loan - Refinance (Owner Occupier, IO)
Variable interest only mortgage for owner occupied refinancers. Refinancers only.
4.09% 3.77% $0 $0 p.a. 80% Go to site 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.
3.67% 3.69% $600 $0 p.a. 80% Go to site More info

Compare more home loans

Rates last updated March 26th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 31 March 2019.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Annual Fee Refund & Balance Transfer Offer
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
Bankwest Breeze Classic Mastercard
0% p.a. for 6 months (reverts to 12.99% p.a.)
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% Purchase and Balance Transfer & $0 First Year Annual Fee Offer
Pay 0% p.a. interest on purchases for the first 6 months and 0% p.a. on balance transfers for 26 months. Plus, a $0 first year 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.
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 get up to 60,000 bonus points. Plus, a $49 first year annual fee when you apply online. Ends 31 March 2019.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. Purchase & Balance Transfer Offers
finder Exclusive ends 31 March 2019:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Low Rate Platinum Card with Long-term Balance Transfer Offer
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.
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.
ME frank Credit Card
11.99% p.a.
$0 p.a.

No Annual Fee Low Rate Credit Card

Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
ING Orange One
11.99% p.a.
$0 p.a.
No Annual Fee & Low Interest Rate Credit Card
Keep costs low with $0 annual fee and a low variable interest rate on purchases. Available when you hold or open an Orange Everyday account.
Westpac Low Fee Card
0% p.a. for 9 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 9 months on purchases and a $0 first year annual fee.
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.
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, a low variable purchase interest rate of 11.99% p.a. and a $250 cashback offer.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
100,000 Bonus Qantas Points with Balance Transfer Offer
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more after the first year (100,000 total), plus, lounge passes.

Compare up to 4 providers

Compare and learn more about credit cards

Compare personal loans

Rates last updated March 26th, 2019.

NAB Personal Loan Unsecured Variable Rate

A low variable interest rate

June 3rd, 2015

View latest updates

Suraj Shrestha Suraj
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Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
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
RateSetter Unsecured Personal Loan - 3yr Fixed
You'll receive a fixed rate from 7.38% 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 7.38% (fixed) 9.39% $2,001 0.5 to 5 years $299 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
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 Mar 2019 and receive a $100 gift card.
From 8.95% (fixed) 10.56% $5,000 1.5 to 7 years $495 (Based on $10,000) 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
NAB Personal Loan Unsecured Fixed
You'll receive a fixed rate between 10.69% p.a. and 18.69% 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 12.69% (fixed) 13.56% $5,000 1 to 7 years $150 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
NAB Personal Loan Unsecured Variable Rate
You'll receive a variable rate based on your risk profile. The headline rate is 12.69% p.a.
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility.
Headline rate 12.69% (variable) 13.56% $5,000 1 to 7 years $150 Go to site More

Compare and find out more about personal Loans

Rates last updated March 26th, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
RaboDirect High Interest Savings Account
3.05%
1.80%
1.25%
$0
$0 / $0
Maximum variable rate of 3.05% p.a. for 4 months, reverting to a rate of 1.80% p.a. No deposit or withdrawal conditions. Available on balances below $250,000
Suncorp Growth Saver Account
2.60%
0.20%
2.40%
$0
$0 / $0
Ongoing, variable 2.60% p.a. when you make a total deposit of at least $200 and make no more than one withdrawal. Available on the entire balance.
UBank USaver
2.87%
1.81%
1.06%
$0
$0 / $0
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.
AMP Saver Account
2.55%
2.10%
0.45%
$0
$0 / $0
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.
HSBC Serious Saver
3.10%
1.20%
1.90%
$0
$0 / $0
Receive a maximum variable rate of 3.10% p.a. for 4 months, reverting to an ongoing rate of 1.20% p.a. for each month you don't make any withdrawals from the account. Available on balances below $1,000,000.
Bank of Queensland Fast Track Saver Account
3.00%
0.50%
2.50%
$0
$0 / $0
Ongoing, variable 3.00% p.a. when you link to an BOQ Day2Day Plus Account and deposit $1,000+ into the Day2Day account each month from an external account. Available on balances up to $250,000.
Citibank Online Saver
2.90%
1.60%
1.30%
$0
$0 / $0
Introductory rate of 2.90% p.a. for 4 months, reverting to a rate of 1.60% p.a. Available on balances below $500,000.
Bankwest Hero Saver
2.60%
0.01%
2.59%
$0
$0 / $0
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.
HSBC Flexi Saver Account
2.50%
1.00%
1.50%
$0
$0 / $0
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.
Bank of Queensland Fast Track Starter Account (for 14-24 year olds only)
4.00%
0.50%
3.50%
$0
$0 / $0
Only available to those aged 14-24. Ongoing, variable 4.00% p.a. when you link to an BOQ Day2Day Plus Account and deposit $200+ into the Day2Day account each month from an external account. Interest rate only applies for balances up to $10,000. Balances between $10,001 and $250,000 will earn an interest rate of up to 2.80% p.a. when deposit conditions are met.

Compare up to 4 providers

Compare and learn about bank accounts

Rates last updated March 26th, 2019
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
UBank Green Term Deposit Account
-
-
-
2.55%
-
-
$1,000
MyState Bank Online Term Deposit
2.60%
2.60%
2.76%
2.60%
2.70%
2.75%
$5,000
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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