Rates updated 4 min ago

The rate your bank forgot to mention.

We scan 43 lender panels in real time — surfacing rates sitting 3+ basis points below your bank's quote. First-home buyers, investors with five expiries, self-employed borrowers: the numbers are already pulled. You just need to see them.

43
Lenders scanned
3+ bps
Avg rate advantage
$0
Broker fee to you
Run My Rate Comparison →Download Rate Report PDF
We compare 43 lenders.  You pick the one that saves you the most.
Commonwealth Bank
Westpac
ANZ
NAB
Macquarie
ING
Bankwest
Suncorp
St.George
Bank of Melbourne
ME Bank
AMP
Resimac
Pepper Money
Liberty Financial
La Trobe
Athena
Nano
Unloan
HSBC
Citibank
RACQ
Teachers Mutual
Greater Bank
Newcastle Permanent
Heritage Bank
Bank Australia
Bendigo Bank
BOQ
Virgin Money
Commonwealth Bank
Westpac
ANZ
NAB
Macquarie
ING
Bankwest
Suncorp
St.George
Bank of Melbourne
ME Bank
AMP
Resimac
Pepper Money
Liberty Financial
La Trobe
Athena
Nano
Unloan
HSBC
Citibank
RACQ
Teachers Mutual
Greater Bank
Newcastle Permanent
Heritage Bank
Bank Australia
Bendigo Bank
BOQ
Virgin Money
Live Rate Comparison Engine

Your numbers. Right now.

Adjust your loan details — the table updates instantly across all 43 lenders.

Loan Parameters

$620,000
$200k$2M
20% (LVR 80%)
vs. major bank average
$123/mo
$1,476 annually · $44,280 over 30yrs
#
Lender
Rate
Comp. Rate
Monthly
Features
1
Macquarie Bank
Variable
5.79%
Lowest
6%
$3,634
Offset account
2
Athena Home Loans
Variable
5.86%
6.07%
$3,662
Redraw facility
3
ING Direct
Variable
5.93%
6.14%
$3,689
Offset account
4
Commonwealth Bank
Variable
█.██
█.██%
$█,███
████
Unlock result 4
5
Westpac
Variable
█.██
█.██%
$█,███
████
Unlock result 5

Unlock Your Full Rate Match

Results 4 & 5 are hidden. Enter your details to see every lender — takes 20 seconds.

Rates are indicative only. Comparison rate based on $150,000 over 25 years. Actual rate subject to lender assessment.

Rate Type Analysis

Fixed, variable, or split?

The right structure saves more than the headline rate. Here's what each means for your situation.

VAR

Variable Rate

5.74%
from p.a.

Moves with the RBA cash rate. Best when rates are falling or you want flexibility to make extra repayments and access an offset account.

Advantages
✓Offset account access
✓Unlimited extra repayments
✓Rate drops when RBA cuts
Considerations
–Rate can rise with market
–Less predictable repayments
Best suited for

First-home buyers with cash-flow flexibility, investors wanting maximum offset benefit.

Lenders offering variable rate
43
of 43 on our panel
TypeBest RateComp. Rate
Variable Rate5.74%5.95%
Fixed Rate5.89%6.12%
Split Rate5.81%6.03%
Borrowing Power Estimator

How much can you borrow?

Stress-tested at 6.74% p.a. — the buffer rate APRA requires all lenders to use. Your real repayments will be lower.

Income & Commitments

Self-employed?
Applies 15% income shading for tax return complexity
$120,000 p.a.
$0 p.a.
$500/mo
Estimated borrowing power
$756,250
Max purchase price with 20% deposit: $907,500
Conservative
$605k
Standard
$756k
Maximum
$832k
Monthly repayment at best rate (5.74% p.a.)
$4,408/mo
Find My Rate →
Refinance Savings Simulator

What does staying cost you?

Enter your current rate and loan balance. The chart shows cumulative interest paid — yours vs. the best available rate we can find you.

6.14% p.a.
5.50%8.00%
$520,000
$100k$2M
Monthly saving
$133
Annual saving
$1,596
10-year saving
$20,678
Rate difference
0.40%
Cumulative interest paid over 10 years

Take your numbers with you.

Download your personalised Rate Report PDF — your comparison table, savings projection, and lender shortlist in one document. No sales call required.