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[RateGap](/)every home loan rate lenders publish, compared

# What will a home loan cost me?

For buyers without a loan yet: every rate lenders publish under the Consumer
      Data Right. [Already have a loan?](/compare)

      Purchase price ($)

        what you expect to pay
      Deposit you have ($)

        the savings you'd put in, before stamp duty and costs

      Purpose

- Owner-occupied

- Investment

        owner-occupied is a home you live in; investment is one you rent out
      Repayments

- Principal and interest

- Interest only

        principal and interest pays the balance down; interest only leaves it where it is
      Loan term (years)

        30 is the usual starting point
       I want an offset account
      An account linked to the loan; money in it reduces the interest
      you pay. Loans with one cost more.
      Show me what this costs

The other questions

        - [Are you paying more than you need to?](/)
              your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off)
              term, extra repayments, interest only- [What does each lender advertise?](/lenders)
              every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week)
              which lenders changed an advertised rate- [Where do these numbers come from?](/data)
              every published rate, and how fresh it is

**Free, and not advice.** It knows only what you typed and what lenders advertise, which may differ from what you are offered. A licensed broker does
    this for a living. [Who made this](/about).
    [What this site collects](/privacy).

      **More from the data**

Building something with this? There is
      [an API](/api), and [the data is free](/data).

This morning: [the market](/market),
    [variable rates](/market/variable-rates),
    [fixed rates](/market/fixed-rates) and
    [what moved this week](/market/changes-this-week).

Found in the data: [what lenders charge above 80%](/research/lvr-bands),
    [the rate a fixed loan rolls onto](/research/revert-rates) and
    [what a comparison rate adds](/research/comparison-rates). Also
    [what an offset costs](/research/offset-accounts), and
    [what investors pay on top](/research/investor-premium).