Interest rate vs comparison rate
The interest rate is used to estimate repayments. A comparison rate also includes many standard fees and charges, but it may not include every cost or product feature.
Daily home-loan rates
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Compare home loan
interest rates.
Find advertised rates for your loan. Compare repayments, features and fees, then shortlist the options worth a closer look.
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Rate dataset: 100+ lenders
✓ Interest and comparison rates
Market research includes lenders outside our 35+ lender broker panel. Not all products can be arranged through us.
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Advertised pricing, not a personalised offer.
Your available rate depends on lender policy, the property, your financial position,
LVR, credit assessment and any negotiated pricing.
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Comparison rate warning:
This comparison rate is true only for the examples given and may not include all fees and charges.
Different terms, fees or other loan amounts might result in a different comparison rate.
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How this home-loan rate comparison works
The page matches products to your selected loan purpose, occupancy, repayment type, rate type, fixed term, loan amount and LVR. If a product has several LVR pricing tiers, it shows the nearest tier that still covers the selected LVR and displays that product once.
How LVR affects pricing
LVR is the loan amount divided by the property value. Lower LVRs can qualify for sharper pricing, while higher LVRs may have different rates, policy limits or lenders mortgage insurance requirements.
Variable vs fixed rates
Variable rates can move over time. Fixed rates generally apply for a selected period before the loan reverts to another rate, and break costs may apply if the fixed contract ends early.
Principal-and-interest vs interest-only
Principal-and-interest repayments reduce the balance. Interest-only repayments generally cover interest for a limited period and can produce different pricing, assessment and repayment outcomes.
Owner-occupier vs investor pricing
Lenders can price owner-occupied and investment loans differently. Loan purpose, occupancy and repayment type must match how the property and funds will actually be used.
Why the lowest rate may not be best
Eligibility, fees, offset, redraw, repayment flexibility, cashback conditions, loan structure and lender policy can all change the practical result.
About the Rate Challenge rate data
Use this dataset to research advertised pricing and build a shortlist. It is a broad comparison source, not a whole-of-market promise, personalised quote or assessment of whether a lender will approve your application.
Dataset coverage
The current published feed covers advertised Australian home-loan pricing from more than 100 lenders. This count describes the dataset, not the smaller Rate Challenge broker panel.
Update timing
The rates feed is refreshed daily. The exact date of the latest successful published update appears at the top of this page.
Checks before publication
The feed is checked for expected lender and product coverage, a valid update date, usable rate values and consistency between the public website outputs.
What may not be shown
Negotiated pricing, every lender or product, later intraday changes, personalised fees, cashback conditions and lender credit-policy outcomes may not be captured.
Confirm the current rate, comparison rate, fees, features, eligibility and any promotion with the lender or a mortgage broker before acting.
Home loan interest rate FAQs
How often are the rates updated?
The rates feed is refreshed daily. The latest successful published update date
is displayed at the top of the page.
Does “more than 100 lenders” mean Rate Challenge can arrange every product?
No. That figure describes lenders represented in the comparison dataset. Rate
Challenge’s mortgage-broker panel is smaller, and not every displayed lender or
product can be arranged through Rate Challenge.
Are all Australian home-loan rates included?
No. The dataset is broad but does not claim to contain every lender, product,
pricing tier, negotiated rate, promotion or intraday change. Confirm current
details before acting.
Why can the same lender or product have different rates?
Pricing can change with loan purpose, occupancy, repayment type, fixed term,
loan amount and LVR tier. The filters help match those factors to your scenario.
How does the LVR filter work?
The selected LVR is treated as the minimum eligibility requirement. For each
unique product, the page uses the nearest available pricing tier whose maximum
LVR still covers the selected requirement.
Are the repayment estimates exact?
No. Repayments are indicative estimates based on the selected loan amount,
term, repayment type and advertised interest rate. Lender calculations,
repayment timing, fees and individual pricing can differ.
What does a comparison rate include?
It combines the advertised interest rate with many standard fees using a
prescribed example. It may not include every fee, feature, promotion or cost,
and a different loan amount or term can produce a different result.
Does the lowest rate mean I will qualify?
No. Lender credit policy, income, expenses, credit history, property type,
location, loan features and other eligibility requirements still apply.
Rates, fees, repayments and features are general information only and may change.
Results are not an offer of credit or personal recommendation. Eligibility criteria,
lender policy, fees, conditions and individual pricing apply.
Select up to five products to compare. Call
0407 908 024.
Rate Challenge’s data compilation and presentation are provided for personal comparison; automated bulk extraction or republication is not permitted without written approval.
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