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Australia Published Loan Rates
Serviceability assessed with a rate buffer. Lenders mortgage insurance above ~80% LTV.
AUD Active Currency
Launch Calculator →
Lowest Published APR
5.75%
Best rate benchmark currently on record
Market Average APR
6.25%
Mean across tracked lending products
Available Products
69 Benchmarks
Fixed, variable & personal credit
Statutory System
Variable or fixed-rate principal-and-interest loan
Verified statutory framework
Australia Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-22T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-21T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-20T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-19T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-18T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-18T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-17T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-16T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-15T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-14T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-13T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-12T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-11T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-10T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-09T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-08T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-07T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-06T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-05T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-04T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-03T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-03T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-02T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-10-01T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-30T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-29T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-28T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-27T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-27T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-26T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-25T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-24T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-23T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-22T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-21T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-20T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-19T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-18T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-18T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-17T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-16T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-15T00:00:00Z | Calculate → |
|
AU Variable (RBA F5 Indicator)
⚡ Live
Stub for RBA F5 Lending Rates
|
🏠 Mortgage | 30 Years (360 mo) | 6.15% | variable | 2026-09-15T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🚗 Auto Loan | 5 Years (60 mo) | 7.45% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 15 Years (180 mo) | 5.75% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 30 Years (360 mo) | 5.89% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 5 Years (60 mo) | 8.90% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Australia Owner-Occupier P&I Average
|
🏠 Mortgage | 30 Years (360 mo) | 5.89% | variable | Active Benchmark | Calculate → |
|
Australia 3-Year Fixed Benchmark
|
🏠 Mortgage | 30 Years (360 mo) | 5.75% | fixed | Active Benchmark | Calculate → |
|
Australia Investor Home Loan Average
|
🏠 Mortgage | 30 Years (360 mo) | 6.35% | variable | Active Benchmark | Calculate → |
|
Australia Personal Loan Average
|
👤 Personal Loan | 5 Years (60 mo) | 8.90% | fixed | Active Benchmark | Calculate → |
|
Australia Secured Car Loan Average
|
🚗 Auto Loan | 5 Years (60 mo) | 7.45% | fixed | Active Benchmark | Calculate → |
🏛️
Australia Underwriting Guidelines
Statutory Borrowing Rule
APRA 3.0% serviceability rate buffer; LMI typically required above 80% LTV
Mortgage System
Variable or fixed-rate principal-and-interest loan
Default Insurance / Guarantee
Lenders mortgage insurance (LMI)
Regulatory Reference