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Best 2 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.

gmcu is cheapest at 6.19%: $3,671 a month.

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

  1. 1
    gmcuFixed Rate Home Loan
    6.19%comparison 6.35%*
    $3,671a month
    2 years cost $88,618
    Lender site ↗
    Details
    • Fees counted: $500 upfront, $8 a year
  2. 2
    BankVicFixed Rate Home Loan - 2 years
    6.09%comparison 6.35%*
    $3,632a month
    2 years cost $89,100
    Lender site ↗
    Details
    • Fees counted: $1,930 upfront
  3. 3
    Southern Cross Credit UnionBROKER HOME LOAN
    6.24%comparison 6.34%*
    $3,690a month
    2 years cost $89,360
    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
  4. 4
    Orange Credit Union LtdPremium Home Loan Fixed 24 mths P&I Owner Occupied
    6.34%comparison 6.43%*
    $3,729a month
    2 years cost $89,663
    Lender site ↗
    Details
    • Lender’s note: Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $100,000 and up to 95% of property value.
    • Fees counted: $155 upfront
  5. 5
    Hume BankmyBlue 2 Year Fix O/Occ P+I (60.01 - 80.00% LVR)
    6.39%comparison 6.43%*
    $3,749a month
    2 years cost $89,979
    Lender site ↗
    Details
    • Lender’s note: Interest is calculated daily and applied monthly
    • Also sold as: myBlue FHB Non Scheme 2 Year Fix O/Occ P+I (up to 95% LVR), myBlue 2 Year Fix O/Occ P+I (up to 60% LVR)
    • Fees counted: none published
  6. 6
    The CapricornianPremium Choice Home LoanConditions apply
    6.34%comparison 6.95%*
    $3,729a month
    2 years cost $90,108
    Lender site ↗
    Details
    • Condition: Aged 18 years or older
    • Fees counted: $600 upfront
  7. 7
    Credit Union SA2-Year Fixed Home Loan Package Principal and Interest
    6.34%comparison 6.86%*
    $3,729a month
    2 years cost $90,298
    Lender site ↗
    Details
    • Also sold as: 2-Year Fixed 40 Year Home Loan Package
    • Fees counted: $395 a year
  8. 8
    Maitland Mutual LimitedPackage Home Loan
    6.34%comparison 6.86%*
    $3,729a month
    2 years cost $90,298
    Lender site ↗
    Details
    • Lender’s note: LVR up to 95%.
    • Fees counted: $395 a year
  9. 9
    UpUp Home Loan
    6.45%comparison 6.25%*
    $3,773a month
    2 years cost $90,545
    Details
    • Lender’s note: Fixed for 2 years
    • Fees counted: none published
  10. 10
    Northern Inland Credit Union LimitedSmart Home Loan Fixed 24M
    6.39%comparison 7.39%*
    $3,749a month
    2 years cost $90,595
    Lender site ↗
    Details
    • Fees counted: $600 upfront, $8 a year

* 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.