Compare Home Loans Rates & Features
We compare thousands of home loans from over 40 lenders. Our mortage experts help you find the right fit for your goals.
How to compare home loans with Get a Better Rate
Finding a home loan that suits you can be a long journey. Whether you're making your first home purchase or looking to start the refinancing process, we help simplify the research and calculation on our website. Our comparison resource allows you to punch in your details, and we provide options across 40+ lenders that fit your intended interest rates and loan-to-value ratio (LVR).
Just enter your details in our tool above, and we’ll do the rest.
Expert Advice from Peter Hammond
With 20+ years of experience, Peter and our Sydney-based team are here to guide you through your home loan comparison results at no cost to you.
Today’s 6 Lowest Interest Rates
We’ve found 6 market-leading rates for your profile. Dismiss any option to reveal more results from our database.
About Our Comparison Results
The interest rates, comparison rates and products displayed above are updated regularly. We provide this information using our API-powered comparison technology to ensure you see competitive pricing on home loans from over 40 trusted Australian lenders.
Automated Data Feeds
Our platform connects directly to lender data sources. This significantly reduces the risk of outdated information commonly found on larger sites that rely on manual data entry.
Accuracy & Verification
While we strive for accuracy, lenders change rates frequently; these figures should be used as a guide for your initial research.
Independent Advocacy
Get A Better Rate is an independent broker; we prioritise your financial objectives and provide our support at no cost to you.
Personalised Strategy
By using the Check This Rate feature, our Sydney-based brokers can verify your specific eligibility and discuss a strategy tailored to your goals.
How Get a Better Rate can help you
Let Us Handle the Hard Work
Comparing home loans can be overwhelming. As an independent mortgage broker, we act as the go-between for you and the lenders to secure the best options for your specific situation. Because we aren’t affiliated with a specific bank, your interests always come first.
Experienced Guidance
We comb the market to find the best rates and terms based on what you can actually afford to borrow.
Support at No Cost
From the first comparison to the final settlement, we provide advice and application management at no cost to you.
Independent Advice
We only hire experienced, trustworthy individuals dedicated to finding the right fit for our clients.
Annual Rate Reviews
Our service doesn't end at settlement. We perform an annual review of your loan to ensure your rate remains competitive as the market changes over the life of your loan.
Book a Free Consultation with Peter Hammond
Contact our founder and prominent mortgage broker, Peter Hammond, for personalised advice. With over 20 years of experience in retail mortgages for large banks, Peter offers a free consultation to guide you through every step of your home loan journey.
Call us directly or leave a contact form with your details for a prompt response:
Understanding your situation
Choosing the right loan depends heavily on your individual circumstances. Whether you are buying your first home, refinancing, or looking for an investment property, our brokers take the time to understand your unique situation to recommend options that align with your financial goals. We provide tailored information for first home buyers and investors alike to ensure your home purchase is sustainable.
Information for Home Owners
If you are an owner occupier, features like offset accounts and redraw facilities can offer significant benefits. We help owners evaluate these features to find a loan that suits their lifestyle and potentially saves on interest over the life of the loan.
Understanding Loan to Value Ratio (LVR)
LVR represents the amount of your loan compared to the value of the property. A lower LVR (meaning you have a larger deposit or more equity) can often result in more favourable interest rates and may help you avoid Lenders Mortgage Insurance (LMI).
Why Compare Home Loans?
To find the best loan, you must look beyond the headline rate:
Save Money
Even a small difference in rates can save you tens of thousands over the life of the loan.
Improve Cash Flow
Lower repayments provide more breathing room in your monthly budget.
Access Features
Deliberating between the stability of a fixed rate or the flexibility of a variable rate helps you find the right support for your future trajectory.
Factors to Consider When Comparing
To find the best loan, you must look beyond the headline rate:
- Interest Rates
- Home Loan Repayments
- Comparison Rate
- Lender Reputation
These impact your monthly repayments directly. Rates are influenced by your lender and the Reserve Bank of Australia (RBA).
Consider if you prefer weekly or fortnightly payments to pay off the principal faster, or monthly payments for easier budgeting.
This identifies the "true cost" by including both the interest rate and most associated fees. All Australian lenders use a standard formula regulated by the National Credit Code to make this easy for you to verify.
Choose a lender you can trust. Check for an Australian Financial Services (AFS) licence via ASIC and read first-hand customer experiences.
Deep Dive, Understanding the Details
While our brokers handle the complexity, understanding the key information below will help you make a more informed decision.
Key Components of a Home Loan Product
Principal
The total amount of money you have borrowed from your chosen lender.
Interest
The cost charged by your lender for borrowing that principal.
Loan Term
The predicted length of time it will take to pay off the loan.
Repayment Frequency
How often you make payments - typically weekly, fortnightly, or monthly.
Understanding Home Loan Types
The type of home loan that is best for you depends on your circumstances and how you intend to manage your money in the future.
Fixed-Rate
Your interest rate is "locked" or fixed for a set period (usually 1–5 years). This provides peace of mind and budget stability, as your repayments remain the same even if market rates rise.
Variable-Rate
These rates follow the market. If interest rates drop, your repayments may decrease, giving you more cash on hand. These loans typically offer the most flexibility, including features like unlimited extra repayments and offset accounts.
Split Loans
A "best of both worlds" approach. You can fix a portion of your loan for stability while keeping the remainder variable to access features like an offset account.
Key Loan Features to Look For
Offset Accounts
A transaction account linked to your loan; every dollar in here "offsets" your balance so you pay less interest.
Redraw Facilities
A temporary suspension of payments during times of financial stress.
Understanding Fees and charges
Interest rates are not the only cost to consider when comparing home loans. Most loans include accompanying fees for processing and administration. While some lenders may waive specific fees as a feature, it is important to understand the three main categories of charges.
Upfront Fees
Ongoing Fees
Exit Fees
What is a "good" interest rate for a home loan in Australia?
The market changes rapidly. While rates below 4% were common between 2019 and 2022, the 2023–2025 market has seen a shift. If you can obtain a rate that beats the current RBA average for owner-occupiers, you are likely ahead of the market. Our brokers track these trends daily to ensure you get competitive pricing.
Will interest rates go down in 2026 Australia?
As we look toward 2026, the Australian property market remains sensitive to the Reserve Bank of Australia’s (RBA) cash rate decisions. While 2023 and 2024 saw significant tightening, many economists predict a potential easing of rates throughout 2025 (we had three consecutive rate cuts) and into 2026 as inflation stabilises.
However, predicting the exact "bottom" of a cycle is difficult. Rather than waiting for a potential drop, many homeowners find it beneficial to secure competitive pricing now through a variable-rate loan, which allows them to benefit immediately if rates decrease in 2026.
Your journey to a Better Rate
1. Compare
Use the tool above to see live market rates.
2. Consult
Book a free strategy session with Peter to verify your eligibility. We are flexible to suit your schedule - we can meet in person or chat over the phone.
3. Apply
We handle the paperwork and negotiate with the banks for you. Enjoy the convenience of 100% digital signing and document uploads to get your loan sorted from anywhere.
4. Settle
Secure your loan and start saving on your monthly repayments.