Owner-occupier 3-year fixed home loan rates: 6.24%
27 lenders · as at 2 Nov 2026
The lowest advertised rate on owner-occupier loans fixed for 3 years that charge principal and interest is 6.24%, on the Credit Union SA 3-Year Fixed Home Loan Package Principal and Interest. 27 lenders have a current loan here; 13 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.50%. That is 55 basis points above the lowest variable principal and interest rate (5.69%).
The 15 lowest of 27 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).
| Lowest rate | 6.24%: Credit Union SA 3-Year Fixed Home Loan Package Principal and Interest, recorded 2 Nov 2026 |
|---|---|
| Lenders in this list | 27 |
| Loans in this list | 49 |
| Median of each lender's lowest rate | 6.50% |
| Lowest to highest lender | 6.24% to 7.24% (100 basis points) |
| Lowest comparison rate | 6.20%: Cairns bank PLUS HOME LOAN FIXED 3YR <60 LVR PI |
| Rates as at | 2 Nov 2026 |
| Source | Lenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar. |
| Assistant access | Connect 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 3-year fixed home loan rate in Australia?
Among the 27 lenders in this list, the lowest advertised rate is 6.24% on the Credit Union SA 3-Year Fixed Home Loan Package Principal and Interest (comparison rate 6.82%), recorded 2 Nov 2026. The median of each lender's lowest rate is 6.50%.
Is the lowest rate also the lowest comparison rate?
No. The lowest published comparison rate in this list is 6.20% on the Cairns bank PLUS HOME LOAN FIXED 3YR <60 LVR PI, which advertises 6.59%. 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, 6.24%, is 55 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
- Owner-occupier fixed6.09%
- Owner-occupier interest-only6.19%
- Owner-occupier, up to 80% LVR5.69%
- Owner-occupier, up to 90% LVR5.69%
- Owner-occupier, up to 95% LVR6.19%
- Owner-occupier 1-year fixed6.19%
- Owner-occupier 2-year fixed6.09%
- Owner-occupier 4-year fixed6.49%
- Owner-occupier 5-year fixed6.49%
- Variable5.69%
Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.