Best 3 year fixed home loan rates

Credit Union SA is cheapest at 6.24%: $3,690 a month.

112 offers from 63 lenders match, cheapest cost over the fixed term (repayments plus fees) first.

1. 1
   Credit Union SA3-Year Fixed Home Loan Package Principal and Interest
   6.24%comparison 6.82%*
   $3,690a month
   3 years cost $134,039
   Lender site ↗
   Details

   • Also sold as: 3-Year Fixed 40 Year Home Loan Package
   • Fees counted: $395 a year
2. 2
   bankWAWFlexible Choice Owner Occupied
   6.40%comparison 6.87%*
   $3,753a month
   3 years cost $135,427
   Details

   • Fees counted: $300 upfront, $6 a year
3. 3
   Southern Cross Credit UnionBROKER HOME LOAN
   6.34%comparison 6.40%*
   $3,729a month
   3 years cost $135,447
   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
   MoveBankEveryday Home LoanConditions apply
   6.44%comparison not published*
   $3,769a month
   3 years cost $135,675
   Details

   • Condition: Rate requires salary to be credited into a linked MOVE Bank everyday transaction account.
   • Lender’s note: 3 year fixed rate term.
   • Fees counted: none published
5. 5
   Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)
   6.41%comparison 6.35%*
   $3,757a month
   3 years cost $135,676
   Lender site ↗
   Details

   • Lender’s note: Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property. Interest rates are on a per annum basis and are current for new loan contract
   • Fees counted: $425 upfront
6. 6
   Easy Street3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)
   6.44%comparison 6.38%*
   $3,769a month
   3 years cost $136,175
   Lender site ↗
   Details

   • Fees counted: $500 upfront
7. 7
   Greater BankGreat Rate Home Loan - Fixed 3 Year Owner Occupied
   6.39%comparison 7.61%*
   $3,749a month
   3 years cost $136,198
   Details

   • Fees counted: $1,230 upfront
8. 8
   Hume BankmyBlue 3 Year Fix O/Occ P+I (60.01 - 80.00% LVR)
   6.49%comparison 6.45%*
   $3,788a month
   3 years cost $136,385
   Lender site ↗
   Details

   • Lender’s note: Interest is calculated daily and applied monthly
   • Also sold as: myBlue FHB Non Scheme 3 Year Fix O/Occ P+I (up to 95% LVR), myBlue 3 Year Fix O/Occ P+I (up to 60% LVR)
   • Fees counted: none published
9. 9
   CommFCUBOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)
   6.29%comparison 6.66%*
   $3,710a month
   3 years cost $136,392
   Lender site ↗
   Details

   • Fees counted: $1,500 upfront, $445 a year
10. 10
    Greater BankUltimate Packaged Home Loan - Fixed 3 Year Owner Occupied
    6.34%comparison 7.79%*
    $3,729a month
    3 years cost $136,677
    Details

    • Fees counted: $1,230 upfront, $395 a year

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