RateMoves

Compare › Best 4 year fixed home loan rates

Best 4 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.

Hume Bank is cheapest at 6.59%: $3,828 a month.

68 offers from 39 lenders match, cheapest cost over the fixed term (repayments plus fees) first.

  1. 1
    Hume BankmyBlue 4 Year Fix O/Occ P+I (60.01 - 80.00% LVR)
    6.59%comparison 6.50%*
    $3,828a month
    4 years cost $183,744
    Lender site ↗
    Details
    • Lender’s note: Interest is calculated daily and applied monthly
    • Also sold as: myBlue FHB Non Scheme 4 Year Fix O/Occ P+I (up to 95% LVR), myBlue 4 Year Fix O/Occ P+I (up to 60% LVR)
    • Fees counted: none published
  2. 2
    DnisterPremier HL Fixed Interest Rate
    6.55%comparison 6.73%*
    $3,812a month
    4 years cost $183,848
    Lender site ↗
    Details
    • Lender’s note: Owner Occupier Rate - 4 years
    • Fees counted: $865 upfront
  3. 3
    Greater BankGreat Rate Home Loan - Fixed 4 Year Owner Occupied
    6.54%comparison 7.53%*
    $3,808a month
    4 years cost $184,024
    Details
    • Fees counted: $1,230 upfront
  4. 4
    Newcastle PermanentPremium Plus Package Fixed Rate Home Loan Principal and Interest
    6.49%comparison 7.78%*
    $3,788a month
    4 years cost $184,251
    Details
    • Lender’s note: Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period
    • Fees counted: $825 upfront, $395 a year
  5. 5
    Southern Cross Credit UnionBROKER HOME LOAN
    6.54%comparison 6.50%*
    $3,808a month
    4 years cost $184,374
    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
  6. 6
    Greater BankUltimate Packaged Home Loan - Fixed 4 Year Owner Occupied
    6.49%comparison 7.72%*
    $3,788a month
    4 years cost $184,656
    Details
    • Fees counted: $1,230 upfront, $395 a year
  7. 7
    UpUp Home Loan
    6.65%comparison 6.36%*
    $3,852a month
    4 years cost $184,886
    Details
    • Lender’s note: Fixed for 4 years
    • Fees counted: none published
  8. 8
    Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)
    6.66%comparison 6.45%*
    $3,856a month
    4 years cost $185,502
    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
  9. 9
    Newcastle PermanentFixed Rate Home Loan Principal and Interest
    6.59%comparison 7.72%*
    $3,828a month
    4 years cost $185,514
    Details
    • Lender’s note: Reverts to the Real Deal Home Loan at the end of the Fixed Rate period.
    • Fees counted: $1,770 upfront
  10. 10
    Tiimely HomeTiimely Basic Home Loan
    6.69%comparison 6.44%*
    $3,868a month
    4 years cost $185,649
    Details
    • 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.

Already have a loan? See what switching would save.

Other loan types

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.