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Owner-occupier 1-year fixed home loan rates: 6.19%

59 lenders · as at 2 Nov 2026

The lowest advertised rate on owner-occupier loans fixed for 1 year that charge principal and interest is 6.19%, on the Police Credit Union Ltd 1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied. 59 lenders have a current loan here; 18 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.59%. That is 50 basis points above the lowest variable principal and interest rate (5.69%).

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1Police Credit Union Ltd1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied6.19%7.20%Fixed 1y · Owner-occupier0–80%22026-11-01
2TMCU1 YEAR FIXED RATE LOAN6.24%6.56%Fixed 1y · Owner-occupier—12026-11-02
3Horizon Bank1 Year Fixed Home Loan6.29%6.93%Fixed 1y · Owner-occupier70.01–90%12026-11-02
4Summerland BankFixed Rate Loan6.35%6.62%Fixed 1y · Owner-occupier—12026-11-01
5Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)6.39%6.33%Fixed 1y · Owner-occupier70–80%12026-11-02
6Hume BankmyBlue 1 Year Fix O/Occ P+I (up to 60% LVR)6.39%6.35%Fixed 1y · Owner-occupier—42026-11-01
7BankVicMembers onlyFixed Rate Home Loan - 1 year6.39%6.40%Fixed 1y · Owner-occupier—12026-11-02
8Health Professionals BankMembers onlyYour Way Plus Fixed Home Loan6.39%6.73%Fixed 1y · Owner-occupier60.1–80%22026-11-02
9Firefighters Mutual BankMembers onlyYour Way Plus Fixed Home Loan6.39%6.73%Fixed 1y · Owner-occupier60.1–80%22026-11-01
10Australian Mutual Bank LTDYour Way Plus Fixed Home Loan6.39%6.73%Fixed 1y · Owner-occupier60.1–80%22026-11-02
11UniBankMembers onlyYour Way Plus Fixed Home Loan6.39%6.73%Fixed 1y · Owner-occupier60.1–80%22026-11-02
12Teachers Mutual BankMembers onlyYour Way Plus Fixed Home Loan6.39%6.73%Fixed 1y · Owner-occupier60.1–80%22026-11-02
13Australian Military Bank1 Year Fixed Rate Home Loan6.39%7.14%Fixed 1y · Owner-occupier0–98%12026-11-02
14Greater Bank LimitedUltimate Packaged Home Loan - Fixed 1 Year Owner Occupied6.39%8.09%Fixed 1y · Owner-occupier—22026-11-01
15DnisterPremier HL Fixed Interest Rate6.41%6.76%Fixed 1y · Owner-occupier—12026-11-01

The 15 lowest of 59 lenders are shown, one loan each. Ranked by advertised rate; a lower advertised rate is not always the lower comparison rate. Every loan, with exact tiers and fees, is on the full home loan board. For the Moneysmart explainers, see fixed vs variable ratesand interest-only loans (links checked 2 Nov 2026).

Facts
Lowest rate6.19%: Police Credit Union Ltd 1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied, recorded 1 Nov 2026
Lenders in this list59
Loans in this list92
Median of each lender's lowest rate6.59%
Lowest to highest lender6.19% to 7.64% (145 basis points)
Lowest comparison rate6.16%: SWSbank Optimum 1 Year Fixed Rate Home Loan
Rates as at2 Nov 2026
SourceLenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar.
Assistant accessConnect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days.

Common questions

What is the lowest owner-occupier 1-year fixed home loan rate in Australia?

Among the 59 lenders in this list, the lowest advertised rate is 6.19% on the Police Credit Union Ltd 1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied (comparison rate 7.20%), recorded 1 Nov 2026. The median of each lender's lowest rate is 6.59%.

Is the lowest rate also the lowest comparison rate?

No. The lowest published comparison rate in this list is 6.16% on the SWSbank Optimum 1 Year Fixed Rate Home Loan, which advertises 6.70%. A comparison rate folds most fees into one figure, so the two rankings can differ.

How does this compare with the lowest variable rate?

The lowest rate here, 6.19%, is 50 basis points above the lowest variable principal and interest rate RateSonar recorded (5.69%, Aaa Financial Corporation). Both are advertised rates recorded as at 2 Nov 2026 or earlier, not offers.

How does RateSonar choose which loans are listed?

It lists current standard home loans that state a rate and have a fresh record (evidence grade A or B). Special-purpose loans such as green, first home, SMSF, construction or bridging loans are not ranked here. Each lender appears once, with its lowest rate in this list.

Are these rates offers, and does RateSonar take applications?

No to both. These are the rates lenders advertise, with the day RateSonar recorded each one. RateSonar is not affiliated with any lender, takes no applications and has no sponsored rows. This is general information, not financial advice. Check the rate and conditions with the lender before you act.

Other home loan types

Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.

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