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Free Rate Check

Are You Paying Too Much on Your Home Loan?

Most Australians are overpaying by at least 0.5% and don't realise it. Enter your current rate below and find out where you stand in under 60 seconds.

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Rate Check Tool

See Exactly Where Your Rate Stands

We compare your current rate against today's market, your lender's advertised rates, and the best deals we can access across 40+ lenders.

1 Your Loan Details
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$50k$3m
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Check your loan statement or lender's app

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Your rate check results will appear here

Fill in your loan details on the left and hit Check My Rate to see how you compare to the market.

Your Rate Health
Market BestYour RateBank Standard
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How Your Rate Compares
LenderIndicative Ratevs Your RateStatus

Rates shown are indicative market comparisons as of August 2026 and may vary. This tool is for informational purposes only and does not constitute financial advice. Actual rates available will depend on your individual circumstances, credit history, and lender assessment.

Want the Actual Best Rate?

This tool shows indicative rates. A 30-minute call with Michael or the team gives you real quotes across 40+ lenders — at no cost to you.

The Process

From Rate Check to Better Deal in 3 Steps

1

Check Your Rate

Enter your current rate and balance above. Instant, anonymous, no obligation.

2

Book a Free Review

30 minutes with Michael or one of the team. We search 40+ lenders and bring you real numbers.

3

We Handle the Rest

If we find you a better deal, we manage the entire refinance. You just sign. We're paid by the lender — not you.

Common Questions

About Refinancing

Our service is free — we're paid by the lender, not you. There may be small exit fees from your current lender (discharge fee, usually $150-$400) but in most cases the saving within 3-6 months far outweighs this.
A formal credit enquiry is required for a full application, but this is a minor and temporary impact. Rate checks and initial conversations do not affect your score at all. Most lenders report a "refinance enquiry" differently to a new credit application — we'll walk you through this in our call.
Typically 3-6 weeks from application to settlement. We handle the paperwork and follow up with the lender on your behalf so you don't have to chase anyone. Some lenders can move faster — we'll set expectations upfront.
The short answer: if you're saving more per month than the costs involved, it's worth it. A general rule of thumb is that a 0.5% or greater rate reduction on a $500k+ loan is almost always worth refinancing. Use this tool for a quick snapshot, then book a call with us to get actual quotes.
Yes. Even on a fixed loan, knowing what rates are available means you're ready to act when your fixed period expires. We'd also check if break costs make early action worthwhile — that depends on your remaining term and how much rates have moved.
No Cost. No Obligation.

Ready to Find Out What Rate You Actually Qualify For?

Book a 30-minute call. We'll search across 40+ lenders and come back with real figures — at no cost to you whatsoever.

Book a Free Rate Review 📞 +61 420 699 983

Award-winning brokers · Oran Park, Sydney · 40+ lenders · 100% free service

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