---
title: "Big four bank home loans compared"
description: "The basic owner-occupier variable loan from each of Australia's four largest banks, side by side."
canonical: https://www.cdrcompare.au/comparisons/big-four-home-loans
source: "CDR Compare"
language: en-AU
---

# Big four bank home loans

> The basic owner-occupier variable loan from each of Australia's four largest banks, side by side.

These are starting points, not recommendations. Products are never ranked or scored, providers are listed alphabetically within each set, and nothing here is financial advice.

## Side by side

| Product | Provider | Headline | Detail |
| --- | --- | --- | --- |
| ANZ Simplicity PLUS | ANZ | From (owner occupied): 6.39% | https://www.cdrcompare.au/brands/anz/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac |
| Simple Home Loan (Owner Occupied) | CommBank | From (owner occupied): 6.34% | https://www.cdrcompare.au/brands/commbank/products/b33d5f9a08c6455cbda5c52c40e878a5 |
| NAB Base Variable Rate Home Loan | NATIONAL AUSTRALIA BANK | From (owner occupied): 6.44% | https://www.cdrcompare.au/brands/national-australia-bank/products/e34c524c-6323-468f-8e20-36130e256fd5 |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) | Westpac | From (owner occupied): 5.99% | https://www.cdrcompare.au/brands/westpac/products/HLVariableFlexiOwnerOccupied |

### ANZ Simplicity PLUS — ANZ

ANZ Simplicity PLUS is our basic variable rate home loan that still gives you the ability to make extra repayments to pay it off sooner. ANZ Simplicity PLUS Home Loans are available for periods between of at least 1 year and up to 30 years in duration.

- **From (owner occupied):** 6.39% (6.39% comparison)

Full detail: https://www.cdrcompare.au/brands/anz/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac.md

### Simple Home Loan (Owner Occupied) — CommBank

A simple home loan with a competitive variable rate and the choice to access two Everyday Offset Accounts.

- **From (owner occupied):** 6.34% (6.59% comparison)

Full detail: https://www.cdrcompare.au/brands/commbank/products/b33d5f9a08c6455cbda5c52c40e878a5.md

### NAB Base Variable Rate Home Loan — NATIONAL AUSTRALIA BANK

Take advantage of our simple, low-rate home loan with no monthly or annual servicing fees.

- **From (owner occupied):** 6.44% (6.44% comparison)

Full detail: https://www.cdrcompare.au/brands/national-australia-bank/products/e34c524c-6323-468f-8e20-36130e256fd5.md

### Flexi First : Our lowest online variable home loan rate (Owner Occupied) — Westpac

Your double you gives you a discounted basic variable home loan rate. 

- **From (owner occupied):** 5.99% (6% comparison)

Full detail: https://www.cdrcompare.au/brands/westpac/products/HLVariableFlexiOwnerOccupied.md

## Category

Home Loans. Every provider that publishes in this category is in the directory at https://www.cdrcompare.au/.

## A different mix

This exact set is editable at https://www.cdrcompare.au/compare?p=anz:544ad5cb-7e52-4a30-b1d7-a080abafbfac,commbank:b33d5f9a08c6455cbda5c52c40e878a5,national-australia-bank:e34c524c-6323-468f-8e20-36130e256fd5,westpac:HLVariableFlexiOwnerOccupied — swap any product for another provider's.

---

Source: [CDR Compare](https://www.cdrcompare.au/comparisons/big-four-home-loans) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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