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[RateGap](/)

# 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
            Compare my rate
      One loan at a time. For a split loan, check each part.

Checking your rate against 1,838 published loans…

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

      Rate type

- Variable

- Fixed

        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

- Investment

        owner-occupied: you live in it. Investment: it is rented out
      Repayments

- Principal and interest

- Interest only

        if the amount owing is falling, it's principal and interest

        Your yearly fee

- Not sure

- No yearly fee

- I pay a fee

          No fee
          $395

        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](/data) ·
         [every lender](/lenders)

[Don't have your figures? See what your lender offers new customers](/lenders)
      [See it with a typical loan](/compare?balance=500000&rate=6.60&ratetype=VARIABLE&value=700000&years=25&purpose=OWNER_OCCUPIED&repayment=PRINCIPAL_AND_INTEREST&feestate=unknown)

The other questions

        - [How fast should you pay it off?](/paying-it-off)
              term, extra repayments, interest only- [Don't have a loan yet?](/buying)
              what to look at before you pick one- [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).

      **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](/privacy).

        Email, so I can reply

        Name (optional)

      What you found

        Include my figures: balance, rate, property value and loan type. No name, no account
        number. Sent only if you tick this.

        Send

      [
        Shout me a coffee](https://buy.stripe.com/fZu28r66Y9N65Ca6BQbsc01)
      A tip jar, not a paywall. Nothing changes if you do.

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

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).