Fixed rates · September 2026
6.19% is the cheapest 2-year, from Macquarie. The median is 6.42%.
One, two, three and five-year fixed rates for 22 lenders on the panel, owner-occupier and investor, priced on 12 September 2026from the same tables the servicing engine uses. Headline rates, principal and interest, at 80% LVR. Fixing means the rate on settlement day, not today’s, unless you pay a rate lock; that fee is beside each lender below. The variable rates the same lenders are writing are on the rate monitor.
Every lender by term, sorted on the 2-year rate. The last column is the lender’s rate-lock fee, where it publishes one.
| Lender | 1 yr | 2 yr | 3 yr | 5 yr | Rate lock |
|---|---|---|---|---|---|
| Macquarie | 6.24% | 6.19% | 6.14% | 6.34% | Not stated |
| People First Bank | 6.29% | 6.24% | 6.29% | 6.39% | — |
| ME Bank | 6.54% | 6.24% | 6.29% | 6.94% | $750 |
| Suncorp Bank | 6.29% | 6.24% | 6.44% | 6.54% | The higher of $600 or 0.15% of the loan |
| ANZ | 6.34% | 6.29% | 6.49% | 6.59% | $750 per $1m of the loan |
| ING | 6.34% | 6.29% | 6.49% | 6.59% | $749 |
| Newcastle Permanent | 6.29% | 6.29% | 6.39% | 6.49% | — |
| Commonwealth | 6.49% | 6.34% | 6.59% | 6.79% | $750 |
| HSBC | 6.34% | 6.34% | 6.39% | 6.59% | — |
| NAB | 6.44% | 6.34% | 6.49% | 6.49% | 0.15% of the approved limit |
| AMP | 6.39% | 6.39% | 6.49% | 6.79% | 0.15% of the fixed loan |
| St. George | 6.54% | 6.44% | 6.64% | 6.79% | 0.15% of the loan, minimum $500, capped at $1,000 up to $2m |
| Teachers Mutual | 6.39% | 6.44% | 6.54% | 6.74% | — |
| Westpac | 6.54% | 6.44% | 6.64% | 6.79% | 0.10% of the loan |
| Ubank | 6.49% | 6.54% | 6.59% | 6.74% | $500 |
| Auswide Bank | 6.54% | 6.54% | 6.59% | 6.89% | — |
| Bendigo Bank | 6.49% | 6.54% | 6.49% | 6.54% | Free, applied automatically |
| MyState | 6.54% | 6.54% | 6.59% | 6.89% | — |
| Bank of Us | 6.59% | 6.59% | 6.64% | 6.94% | — |
| Bankwest | 6.49% | 6.59% | 6.69% | 6.79% | Not stated |
| Firstmac | 6.79% | 6.74% | 6.74% | 6.99% | — |
| Bank of Sydney | 7.29% | 7.29% | — | — | — |
| Gateway | — | — | — | 7.09% | — |
Green row is the cheapest 2-year. Lender names link to our page on that lender where there is one. Headline rates as at 12 September 2026; a dash means the lender is not priced on that term. The rate-lock column is from each lender’s own fee schedule, read on the rate lock page.
Investment fixed rates run higher. Cheapest by term: 1-year 6.39% (ING), 2-year 6.34% (Macquarie), 3-year 6.29% (Macquarie), 5-year 6.49% (Macquarie).
| Lender | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| Macquarie | 6.39% | 6.34% | 6.29% | 6.49% |
| Suncorp Bank | 6.44% | 6.34% | 6.49% | 6.64% |
| ANZ | 6.49% | 6.39% | 6.54% | 6.69% |
| Commonwealth | 6.54% | 6.39% | 6.64% | 6.99% |
| ING | 6.39% | 6.39% | 6.44% | 6.59% |
| ME Bank | 6.74% | 6.39% | 6.44% | 7.14% |
| Newcastle Permanent | 6.39% | 6.39% | 6.49% | 6.59% |
| Teachers Mutual | 6.54% | 6.39% | 6.49% | 6.74% |
| People First Bank | 6.49% | 6.44% | 6.49% | 6.59% |
| NAB | 6.54% | 6.44% | 6.59% | 6.59% |
| AMP | 6.49% | 6.49% | 6.59% | 6.89% |
| HSBC | 6.49% | 6.49% | 6.54% | 6.74% |
| St. George | 6.64% | 6.54% | 6.74% | 6.94% |
| Westpac | 6.64% | 6.54% | 6.74% | 6.94% |
| Ubank | 6.54% | 6.59% | 6.64% | 6.79% |
| Bendigo Bank | 6.64% | 6.69% | 6.64% | 6.69% |
| Auswide Bank | 6.74% | 6.79% | 6.84% | 7.04% |
| Bank of Us | 6.79% | 6.79% | 6.84% | 7.14% |
| Bankwest | 6.69% | 6.79% | 6.89% | 6.99% |
| MyState | 6.74% | 6.79% | 6.84% | 7.04% |
| Firstmac | 6.99% | 6.94% | 6.94% | 7.19% |
| Gateway | 7.04% | 6.99% | 7.14% | 7.59% |
| Bank of Sydney | 7.39% | 7.39% | — | — |
Lenders price each fixed term off the wholesale rate for that period, so the shape of the table is a forecast. When the 5-year rate sits below the 1-year, the market expects cuts and lenders are paying you to lock in for longer. When it sits above, they expect rises and want compensating for it. As at 12 September 2026 the cheapest terms run 6.24% at 1 year, 6.19% at 2 years, 6.14% at 3 years, 6.34% at 5 years.
On a $600,000 loan over 30 years the difference between the cheapest and the median 2-year rate is $90 a month, and between the cheapest and the highest $438. What that comes to at your balance is on the repayments pages, and whether a fixed rate beats the variable rates the same lenders are writing is on the rate monitor.
Two costs sit outside the rate. The rate-lock fee, if you want today’s rate rather than settlement day’s, is on the rate lock pagefor every lender. And leaving a fixed loan before the term ends means a break cost, which can be thousands; each lender’s process for quoting one is on its discharge page.
As at 12 September 2026, the cheapest fixed rate on the panel for an owner-occupier at 80% LVR is 6.14% for 3 years, from Macquarie. By term: 1-year 6.24% (Macquarie), 2-year 6.19% (Macquarie), 3-year 6.14% (Macquarie), 5-year 6.34% (Macquarie). These are headline rates for principal-and-interest loans, not comparison rates, and they move; the date on this page is the date they were read.
For an owner-occupier at 80% LVR, paying principal and interest, as at 12 September 2026: 1-year 6.49%, 2-year 6.34%, 3-year 6.59%, 5-year 6.79%. On the 2-year term that is below the panel median of 6.42%. The full table by LVR and for investors is on the CBA fixed rates page.
For an owner-occupier at 80% LVR, paying principal and interest, as at 12 September 2026: 1-year 6.54%, 2-year 6.44%, 3-year 6.64%, 5-year 6.79%. On the 2-year term that is above the panel median of 6.42%. The full table by LVR and for investors is on the Westpac fixed rates page.
For an owner-occupier at 80% LVR, paying principal and interest, as at 12 September 2026: 1-year 6.34%, 2-year 6.29%, 3-year 6.49%, 5-year 6.59%. On the 2-year term that is below the panel median of 6.42%. The full table by LVR and for investors is on the ANZ fixed rates page.
For an owner-occupier at 80% LVR, paying principal and interest, as at 12 September 2026: 1-year 6.44%, 2-year 6.34%, 3-year 6.49%, 5-year 6.49%. On the 2-year term that is below the panel median of 6.42%. The full table by LVR and for investors is on the NAB fixed rates page.
For an owner-occupier at 80% LVR, paying principal and interest, as at 12 September 2026: 1-year 6.49%, 2-year 6.59%, 3-year 6.69%, 5-year 6.79%. On the 2-year term that is above the panel median of 6.42%. The full table by LVR and for investors is on the Bankwest fixed rates page.
For an owner-occupier at 80% LVR, paying principal and interest, as at 12 September 2026: 1-year 6.24%, 2-year 6.19%, 3-year 6.14%, 5-year 6.34%. On the 2-year term that is below the panel median of 6.42%. The full table by LVR and for investors is on the Macquarie fixed rates page.
No. The rates here are headline rates: the interest rate on the fixed term itself. A comparison rate folds in the lender's fees over a 25-year, $150,000 loan and is usually a little higher. Two lenders with the same headline rate can have different comparison rates because one charges a package fee and the other doesn't. Use the headline to shortlist and the comparison rate to decide.
The rate on the day the loan settles, unless you pay a rate lock. A purchase can take three months to settle and fixed rates move in between. Every lender's rate lock fee and lock period is on the rate lock page, and most of them appear beside the lender in the table above.
The panel prices the terms differently, which tells you what lenders expect. As at 12 September 2026 the cheapest 1-year is 6.24%, 2-year 6.19%, 3-year 6.14% and 5-year 6.34%. When longer terms are cheaper, lenders expect rates to fall and are paying you to lock in; when they are dearer, the reverse. The other half of the decision is break costs: leaving a fixed loan early can cost thousands, and every lender's process for quoting them is on its discharge page.
Priced 12 September 2026, re-priced monthly and after each RBA decision, from the dated lender tables the servicing engine prices from. Headline rates for principal-and-interest loans at 80% LVR on a $650,000loan; not comparison rates. The rate you are offered depends on your loan, your LVR and the lender’s assessment. Arthr Pty Ltd provides marketing and lead-generation services only; credit assistance is provided by 1st Street Pty Ltd, Credit Representative 490057 under Australian Credit Licence 389328.
A broker at 1st Street sees every lender’s fixed rates the day they change, and which packages waive the lock fee.