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

Rates checked **Monday 2 November at 7:01 am** (Sydney time) · [check your rate](/)

# How fast should you pay it off?

See how the years left, extra repayments and interest-only change what you pay in total.

[Check your rate instead.](/)

        Loan balance ($)

          on your statement or in your banking app
        Your rate (%)

          not the comparison rate, which adds fees
        Years remaining

          how long the loan has left to run
        Repayments

- Principal and interest

- Interest only

          principal and interest pays the balance down; interest only leaves it where it is

        Show the cost over time

The other questions

        - [Are you paying more than you need to?](/)
              your rate against every lender publishing one- [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).

      **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).