Is your mortgage rate any good?
Enter your current rate, lender and loan type. We'll tell you within minutes whether your rate is competitive, needs a closer look, or if there's likely a better option available.
Not sure of your rate? You'll usually find it in your banking app or latest loan statement.
Your result will be sent by SMS within minutes. If we need more information or think we can help, we'll contact you within 2 business hours.
IN JUST 60 SECONDS, YOU'LL RECEIVE ONE OF THESE RESULTS...
Great rate
Based on the information you've provided, your rate appears very competitive.
Could be better
It may still be competitive, but we'd need a little more information before we can say for sure.
Looks high
Based on what you've told us, there's a good chance you're paying more than you need to.
"The RBA controls the cash rate. Banks control your mortgage rate."
YOUR CURRENT RATE
What you’re paying now
THE RATES AVAILABLE
What you could potentially be paying
That gap is why it’s worth checking.
WHY YOUR RATE IS WORTH CHECKING.
Your rate might have been competitive when you got it. Is it still?
Home loan rates are always moving, and lenders don't all offer the same deal.
Banks compete for borrowers, which means some lenders may offer sharper rates to win new customers, regardless of what the RBA does with the cash rate.
So even when the cash rate moves, holds or changes direction, it’s worth knowing how your rate stacks up.
FAQs
Does this cost me anything?
There's no cost and no obligation.
What if my rate is already good?
We'll tell you. If you're already on a competitive rate, we'll say so.
What if I don't know my rate?
You'll usually find it in your banking app or latest loan statement. If not, we can still help.
How quickly will I hear back?
We'll text you your initial result within a minute. If we think we can help, or need a little more information, one of our brokers will contact you within 2 hours.
Will checking my rate affect my credit score?
No. Your rate check doesn't involve a credit enquiry.
What if I decide not to refinance?
That's completely fine. This is simply a free assessment of how your current rate compares to today's market.
Ready to find out where your rate stands?
It only takes 60 seconds to complete your Mortgage Rate Check. We'll review your current rate, compare it to today's market, and text you the result within a minute.
If your rate already looks great, we'll tell you. If it needs a closer look, we'll let you know. And if we think there's a better option available, one of our brokers will contact you within 2 hours.
Your Mortgage Rate Check includes:
✓ An SMS sent to you with your initial result in 60 seconds
✓ A comparison against today's lending market
✓ Honest assessment, even if your current rate is already competitive
✓ A callback within 2 business hours if we think we can help
1300 657 132