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Best 5 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.

Australian Military Bank is cheapest at 6.49%: $3,788 a month.

81 offers from 48 lenders match, cheapest cost over 5 years (repayments plus fees) first.

  1. 1
    Australian Military Bank5 Year Fixed Rate Home Loan
    6.49%comparison 6.91%*
    $3,788a month
    5 years cost $228,518
    Lender site ↗
    Details
    • Also sold as: DHOAS 5 Year Fixed Rate Home Loan
    • Fees counted: $1,200 upfront, $2 a year
  2. 2
    People First and Heritage BankStandard Fixed Rate Home Loans - Owner Occupied
    6.54%comparison 7.95%*
    $3,808a month
    5 years cost $228,542
    Details
    • Lender’s note: Standard 5 Year Fixed; LVR<=95%.
    • Fees counted: $10 upfront, $8 a year
  3. 3
    Greater BankGreat Rate Home Loan - Fixed 5 Year Owner Occupied
    6.54%comparison 7.41%*
    $3,808a month
    5 years cost $229,722
    Details
    • Fees counted: $1,230 upfront
  4. 4
    Newcastle PermanentPremium Plus Package Fixed Rate Home Loan Principal and Interest
    6.49%comparison 7.67%*
    $3,788a month
    5 years cost $230,108
    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
    Greater BankUltimate Packaged Home Loan - Fixed 5 Year Owner Occupied
    6.49%comparison 7.61%*
    $3,788a month
    5 years cost $230,513
    Details
    • Fees counted: $1,230 upfront, $395 a year
  6. 6
    DnisterPremier HL Fixed Interest Rate
    6.59%comparison 6.74%*
    $3,828a month
    5 years cost $230,544
    Lender site ↗
    Details
    • Lender’s note: Owner Occupier Rate - 5 years
    • Fees counted: $865 upfront
  7. 7
    MoveBankEveryday Home LoanConditions apply
    6.64%comparison not published*
    $3,848a month
    5 years cost $230,869
    Details
    • Condition: Rate requires salary to be credited into a linked MOVE Bank everyday transaction account.
    • Lender’s note: 5 year fixed rate term.
    • Fees counted: none published
  8. 8
    UpUp Home Loan
    6.65%comparison 6.40%*
    $3,852a month
    5 years cost $231,107
    Details
    • Lender’s note: Fixed for 5 years
    • Fees counted: none published
  9. 9
    Newcastle PermanentFixed Rate Home Loan Principal and Interest
    6.59%comparison 7.59%*
    $3,828a month
    5 years cost $231,449
    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
    Qbank5 Year Fixed Home Loan
    6.64%comparison 7.59%*
    $3,848a month
    5 years cost $232,059
    Lender site ↗
    Details
    • Fees counted: $1,190 upfront

* 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.