Free home loan health check
Is your current home loan rate still competitive?
Compare your current interest rate with live home loan pricing from the Rate Challenge daily rates feed. See an indicative repayment difference and the potential monthly saving available from a sharper rate.
Live daily feed loads when you start the comparison.
✓ Live daily rates data
100+ lenders
✓ No credit check
Home Loan Interest Rate Review
Enter your existing loan details. We will find the lowest eligible pricing in the current feed for the same occupancy, repayment type, rate type and loan amount, using your actual LVR to select the nearest applicable pricing tier.
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Include discharge, application, settlement, valuation and government costs. Exclude break costs until confirmed.
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Indicative only. The lowest matching rate may have eligibility requirements,
fees or features that differ from your current loan.
Rate review result
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Your current rate
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Lowest matching rate
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Estimated current repayment
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Potential monthly saving
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Indicative break-even
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Indicative 3-year net saving
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Lowest matching products in today’s feed
Comparison rates are based on the prescribed $150,000 over 25 years example and may not include every fee or cost. Product eligibility, features and refinance costs must be checked before acting.
Would you like the result checked properly?
A mortgage broker can confirm lender policy, fees, product features, refinance costs and whether the advertised pricing is available for your circumstances.
Interest rate review FAQs
Where do the benchmark rates come from?
The benchmark is based on current home loan pricing available for similar
borrower scenarios. It considers factors such as occupancy, repayment type,
rate type, loan amount and LVR to provide an indicative market comparison.
Does this affect my credit score?
No. Using the calculator does not involve a credit enquiry.
Does the saving include refinance costs?
The calculator includes the refinance-cost estimate you enter when it calculates the indicative break-even period and three-year net saving. Break costs, LMI and unknown lender-specific charges must still be confirmed separately.
Is the lowest rate automatically suitable for me?
No. Eligibility, lender policy, features, fees, loan purpose and your full
financial circumstances must be assessed before a recommendation is made.
Rates, fees and features are general information only and may change.
Results, estimated savings and break-even periods are indicative and are not an offer of credit. Eligibility criteria,
lender policy, fees and conditions apply. Final pricing requires lender approval.