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Compare Bank Interest Rates Online

Rates and fees last updated on

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

$
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
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.59% 4.48% $0 $375 p.a. 85% Go to site More info
UBank UHomeLoan Variable Rate - Standard Variable Rate Value Offer (Owner Occupier P&I)
Combine a low variable interest rate and free redraw with no application or ongoing fees.
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
3.69% 3.72% $0 $0 p.a. 80% 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
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.
3.72% 3.74% $0 $0 p.a. 80% Go to site More info
ING DIRECT Orange Advantage Loan - $150,000+ (LVR <=80% Owner Occupier, P&I)
A fully featured home loan with an offset account and discounts available. $1000 cashback offer available for loans over $300k. Terms and conditions apply.
3.79% 4.11% $0 $299 p.a. 80% Go to site More info
State Custodians Low Rate LOC - LVR 80% to 90% (Owner Occupier)
Borrow up to 90% of property's value and pay no application fee.
3.79% 3.82% $0 $0 p.a. 90% Go to site More info
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy a low variable rate with no ongoing fees and borrow up to 90% of the value of the property.
3.85% 3.86% $0 $0 p.a. 90% Go to site More info
Newcastle Permanent Building Society Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier Special Rate, P&I)
Owner-occupiers can lock in a competitive rate with no ongoing fees. Conditions apply.
3.84% 4.86% $0 $0 p.a. 95% 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. Take out a new SCU loan and enjoy $500 cash back on loans above $150k, terms and conditions apply.
3.77% 3.81% $200 $0 p.a. 95% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)
A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.88% 4.89% $0 $395 p.a. 95% Go to site More info
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
Discounted rate available with family pledge loans. Family pledge loans require no LMI and no deposit. NSW, Qld and ACT only.
3.99% 3.99% $0 $0 p.a. 110% Go to site More info
3.99% 4.04% $600 $0 p.a. 90% Go to site More info
ClickLoans The Online Home Loan - Owner Occupier ≤ 80% LVR, P&I
Enjoy a competitive variable interest rate, no application fee, limited annual fees and an offset account with redraws.
3.69% 3.69% $0 $0 p.a. 80% Go to site More info

Compare more home loans

Rates last updated July 25th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)

$0 First Year Annual Fee with Balance Transfer Offer

Save with 13.24% p.a. on purchases. Also enjoy 0% p.a. for 14 months on balance transfers and $0 annual fee in the first year.
Citi Rewards Platinum Credit Card
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
A long-term balance transfer offer with complimentary international travel insurance and access to Citi cardholder benefits.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$99 p.a.
Annual Fee Refund
Caters to those who want high credit limits and Apple Pay. The annual fee is refunded when you spend $6,000 on eligible purchases.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive Offer to finder.com.au
Receive 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on purchases, plus an annual fee waiver in the first year.
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive Offer to finder.com.au
Enjoy a no fee, long-term balance transfer offer with platinum privileges.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 20 months
$99 p.a.
Low Rate Platinum Card with Long-term Balance Transfer Offer
A platinum card with a low interest rate on purchases and 0% p.a. for 20 months on balance transfers.
Qantas American Express Ultimate Card - Online Offer
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Special Offer - Qantas Frequent Flyer Card with Bonus Points
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and receive 2 American Express Airport Lounge entries each calendar year.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
$45 p.a.
Long-term Low Purchase Rate
A no-frills card that allows you to receive up to 44 interest-free days on purchases and add an additional cardholder for $0.
Virgin Australia Velocity Flyer Card - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Velocity Frequent Flyer Card with Balance Transfer and Bonus Points Offer
Apply by 31 July 2017 to earn 2 bonus Velocity Points on top of the standard earn rate per $1 spent within the first three months.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
0% p.a. for 20 months
$99 p.a.
Low Rate Platinum Card
A platinum card with 0% p.a. promotional rate on balance transfers, complimentary insurances and 24/7 concierge.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Low Annual Fee and Balance Transfer Offer
Enjoy a long-term balance transfer offer of 0% p.a. for 16 months, for a $30 annual fee.
HSBC Low Rate Credit Card
13.25% p.a.
0% p.a. for 15 months with 2% balance transfer fee
$55 p.a.
0% p.a. Balance Transfer Offer
Enjoy a balance transfer offer of 0% p.a. for 15 months, and a low purchase rate of 13.25% p.a. Apple Pay is now available with this card.
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 ($169 p.a. thereafter)
Exclusive Offer to finder.com.au
Receive a discounted annual fee in the first year and earn 1.25 Suncorp Rewards Points per $1 spent.
HSBC Platinum Qantas Credit Card
19.99% p.a.
$199 p.a.
Qantas Frequent Flyer Credit Card
Offers a competitive earn rate on purchases.Plus, a 60,000 bonus Qantas Points offer on eligible spend within 3 months.
American Express Velocity Platinum Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$375 p.a.
Platinum Credit Card with Bonus Velocity Points
This card offers 100,000 bonus Velocity Points when you apply and spend $1,500 on your new card within the first 3 months.

Compare up to 4 providers

Compare and learn more about credit cards

$
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. All approved applicants will receive the advertised variable rate of 11.99% p.a.
From 11.99% (variable) 12.48% $5,000 3 to 5 years $0 ($199 fee waived) Go to site More
RateSetter 2-Year Personal Loan
This peer-to-peer loan is only available for a 2-year term at the rate of 4.69% p.a.
From 4.69% (fixed) 7.11% $2,001 2 to 2 years $0 (Upfront fee $250 for loan terms of 2 years and above) Go to site More
RateSetter Personal Loan
Ratesetter allow you to get a personalised rate based on your credit score.
From 8.46% (fixed) 8.97% $2,001 0.5 to 5 years $0 (Upfront fee $250 for loan terms of 2 years and above) Go to site More
NOW FINANCE Personal Loans
Get rewarded with a low interest rate for your good credit history.
From 8.95% (fixed) 10.42% $4,000 1.5 to 7 years $395 (Based on $10,000) Go to site More
SocietyOne Unsecured Personal Loan
Interest rates for a 3 year loan range from 7.9% p.a. to 10.90% p.a. Comparison rate from 9.92% p.a. to 13.63% p.a. for good credit scores A and AA
From 7.9% (fixed) 9.92% $5,000 2 to 5 years 3% (of loan amount) Go to site More
Latitude Personal Loans (Unsecured)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your count in as little as 24 hours.
From 13.99% (fixed) 15.2% $3,000 2 to 7 years $250 (Loans under $4000 - $140) Go to site More
bcu Unsecured Multipurpose Loan
A flexible unsecured or secured personal loan with a competitive rate.
From 8.94% (variable) 9.85% $4,000 1 to 5 years $200 Go to site More
QT Mutual Bank Personal Loan
You can use this personal loan to buy just about anything: a new boat, home renovations, a holiday or even to consolidate existing debt. Only available to Queenslanders
From 12.95% (variable) 13.54% $3,000 5 years $395 (establishment fee) Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated July 25th, 2017.

Bank of Melbourne Incentive Saver

Variable rate was changed from 1.85% to 1.75%

December 23rd, 2016

ANZ Online Saver

Bonus interest rate was changed from 1.60% to 1.40%

December 23rd, 2016

Westpac Reward Saver

Introductory interest rate was changed from 1.84% to 1.74%

December 23rd, 2016

View latest updates

Debbie Mariano Debbie
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
ING DIRECT Savings Maximiser
Ongoing, variable 2.80% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month. Available on balances up to $100,000.
2.80% 1.50% 1.30% $0 $0 / $0 Go to site More
Bankwest Hero Saver
Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.65% 0.01% 2.64% $0 $0 / $0 Go to site More
ME Online Savings Account
Ongoing, variable 3.05% p.a. rate when you link to a ME Everyday Transaction account and make a weekly purchase with your Debit Mastercard using tap & go. Available on balances up to $250,000.
3.05% 1.30% 1.75% $0 $0 / $0 Go to site More
ANZ Progress Saver
Ongoing, variable 1.81% p.a. when you deposit $10+ each month and make no withdrawals. Available on the entire balance.
1.81% 0.01% 1.80% $0 $10 / $10 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 Online Saver
Introductory rate of 2.55% p.a. for 3 months, reverting to 1.00% p.a. Available on the entire balance.
2.55% 1.00% 1.55% $0 $0 / $0 Go to site More
Westpac Reward Saver
Ongoing, variable 1.75% p.a. when you deposit at least $50 and make no withdrawals each month. Available on the entire balance.
1.75% 0.01% 1.74% $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 1.90% p.a. Available on balances below $250,000
3.05% 1.90% 1.15% $0 $0 / $1 Go to site More
St.George Maxi Saver
Introductory rate of 3.00% p.a. for 3 months, reverting to a rate of 1.00% p.a. Available on balances below $5,000,000.
3.00% 1.00% 2.00% $0 $1 / $1 Go to site More
Westpac eSaver
Introductory rate of 2.51% p.a. for 5 months, reverting to a rate of 1.00% p.a. Available on the entire balance.
2.51% 1.00% 1.51% $0 $0 / $0 Go to site More
Bank of Melbourne Incentive Saver
Ongoing, variable 1.75% p.a. when you make at least one deposit and no withdrawals each month. Available on the entire balance.
1.75% 0.01% 1.74% $0 $1 / $1 Go to site More
BankSA Incentive Saver Account
Ongoing, variable 1.75% p.a. when you make at least one deposit each month and no withdrawals. Available on the entire balance.
1.75% 0.01% 1.74% $0 $0 / $0 Go to site More
RaboDirect PremiumSaver
Ongoing, variable 2.50% 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.
2.50% 0.90% 1.60% $0 $0 / $0 Go to site More
P&N Hi Saver Account
Introductory rate of 2.95% p.a. for 4 months, reverting to a rate of 1.25% p.a. Available on balances of $5,000 and above.
2.95% 1.25% 1.70% $0 $5,000 / $0 More

Compare and learn about bank accounts

Rates last updated July 25th, 2017
$
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. 48 Mths p.a. 60 Mths p.a. Min Deposit Interest Earned
Citibank Term Deposit $75,000
-
-
2.80%
-
-
-
-
-
$75,000
Citibank Term Deposit $250,000
-
-
3.00%
-
-
-
-
-
$250,000
Bankwest Online Term Deposit
2.35%
1.50%
2.55%
2.55%
2.60%
2.60%
2.65%
2.65%
$1,000
St.George Term Deposit
2.10%
1.85%
2.20%
2.55%
2.60%
2.60%
2.70%
2.95%
$1,000
Bank of Queensland Term Deposit
2.00%
2.45%
2.25%
2.60%
2.60%
2.80%
2.65%
-
$5,000
BankSA Term Deposit
2.10%
1.85%
2.20%
2.55%
2.60%
2.60%
2.70%
2.95%
$1,000
Westpac Term Deposit
2.05%
1.85%
2.10%
2.35%
2.40%
2.50%
2.60%
2.85%
$5,000
RaboDirect Term Deposit
2.30%
-
2.55%
2.55%
2.90%
3.00%
3.05%
3.30%
$1,000
Bank of Melbourne Term Deposit
2.10%
1.85%
2.20%
2.55%
2.60%
2.60%
2.70%
2.95%
$1,000
Newcastle Permanent Gold Term Deposit
2.60%
2.00%
2.70%
2.80%
3.40%
3.40%
3.20%
3.20%
$200,000

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

Marc Terrano

A passionate publisher who loves to tell a story. Learning and teaching personal finance is his main lot at finder.com.au. Talk to him to find out more about home loans.

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NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

IMB Budget Home Loan - LVR <=90% (Owner Occupier)

Get a competitive rate without features you may not use.

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy a low variable rate with no ongoing fees and borrow up to 90% of the value of the property.

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