Are you paying more than you need to?

Compare your rate with what 133 lenders advertise today. No lender pays to be here.

Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Lender (optional) add it to see the rate your lender offers new customers Property value (optional) in dollars; a guess is fine One loan at a time. For a split loan, check each part.

Checking your rate against 1,838 published loans…

More about the loanCheck what it assumes: variable · owner-occupied · principal & interest · 25 years left · fee unknown

Rate type variable can change at any time; fixed is locked for a set term. If your repayment has changed without you asking, it's variable Fixed term ends the date your fixed rate ends Years remaining how long the loan has left to run Purpose owner-occupied: you live in it. Investment: it is rented out Repayments if the amount owing is falling, it's principal and interest

Your yearly fee If you pay one, type the amount in the box. Often $395, on your statement. Not sure? Say so and it counts as $0.

I need an offset account An account linked to the loan; money in it reduces the interest you pay. Loans with one cost more, so ticking this hides cheaper loans. Not sure? Leave it off.

Rates checked Monday 2 November at 7:01 am (Sydney time) · browse all the data · every lender

Don't have your figures? See what your lender offers new customers See it with a typical loan

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. What this site collects.

How to tell me it's wrong

Found something wrong? Tell me and I'll fix it. Most useful: a rate that doesn't match your statement, a fee that isn't real, or a lender missing.

Don't send account numbers, statements or ID. Nothing here needs them. What this site collects.

Shout me a coffee A tip jar, not a paywall. Nothing changes if you do.

Building something with this? There is an API, and the data is free.

Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto and what a comparison rate adds. Also what an offset costs, and what investors pay on top.