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Best 1 year fixed home loan rates

Ranked for a $600,000 loan on an $800,000 property (75% LVR). Change any input and the list re-ranks for you.

Northern Inland Credit Union Limited is cheapest at 5.99%: $3,593 a month.

116 offers from 68 lenders match, cheapest cost over the fixed term (repayments plus fees) first.

  1. 1
    Northern Inland Credit Union LimitedValue Home Loan - Fixed 12M
    5.99%comparison 5.87%*
    $3,593a month
    1 year cost $43,129
    Lender site ↗
    Details
    • Fees counted: $8 a year
  2. 2
    Southern Cross Credit UnionBROKER HOME LOAN
    6.14%comparison 6.30%*
    $3,651a month
    1 year cost $44,213
    Details
    • Lender’s note: Rate reverts to variable PI rate of applicable LVR tier upon expiry.
    • Also sold as: EMONEY HOME LOAN, LJH 5STAR HOME LOAN, PREMIUM HOME LOAN
    • Fees counted: $395 a year
  3. 3
    TMCU1 YEAR FIXED RATE LOAN
    6.24%comparison 6.56%*
    $3,690a month
    1 year cost $44,680
    Lender site ↗
    Details
    • Fees counted: $395 upfront
  4. 4
    gmcuFixed Rate Home Loan
    6.24%comparison 6.35%*
    $3,690a month
    1 year cost $44,793
    Lender site ↗
    Details
    • Fees counted: $500 upfront, $8 a year
  5. 5
    The CapricornianPremium Choice Home LoanConditions apply
    6.24%comparison 7.00%*
    $3,690a month
    1 year cost $44,885
    Lender site ↗
    Details
    • Condition: Aged 18 years or older
    • Fees counted: $600 upfront
  6. 6
    Hume BankmyBlue 1 Year Fix O/Occ P+I (60.01 -80.00% LVR)
    6.39%comparison 6.43%*
    $3,749a month
    1 year cost $44,989
    Lender site ↗
    Details
    • Lender’s note: Interest is calculated daily and applied monthly
    • Also sold as: myBlue FHB Non Scheme 1 Year Fix O/Occ P+I (up to 95% LVR), myBlue 1 Year Fix O/Occ P+I (up to 60% LVR)
    • Fees counted: none published
  7. 7
    Horizon Bank1 Year Fixed Home Loan
    6.29%comparison 6.93%*
    $3,710a month
    1 year cost $45,019
    Lender site ↗
    Details
    • Fees counted: $350 upfront, $150 a year
  8. 8
    Northern Inland Credit Union LimitedSmart Home Loan Fixed 12M
    6.29%comparison 7.48%*
    $3,710a month
    1 year cost $45,127
    Lender site ↗
    Details
    • Fees counted: $600 upfront, $8 a year
  9. 9
    Maitland Mutual LimitedPackage Home Loan
    6.34%comparison 6.88%*
    $3,729a month
    1 year cost $45,149
    Lender site ↗
    Details
    • Lender’s note: LVR up to 95%.
    • Fees counted: $395 a year
  10. 10
    UpUp Home Loan
    6.45%comparison 6.23%*
    $3,773a month
    1 year cost $45,272
    Details
    • Lender’s note: Fixed for 1 year
    • Fees counted: none published

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.