Is your home loan rate still competitive?
Get a free refinance rate check in under a minute. Upload a statement and AI grades your rate against live market data, or enter it manually. If there are savings, we chase them for you across 60+ lenders.
Refinance Rate Check
Upload a home loan statement for an instant AI read of your rate, or enter it manually.
Your statement is analysed in memory and never stored.
The loyalty tax is real
RBA data consistently shows existing borrowers pay more than new customers at the same bank. Lenders rely on you not checking. This tool exists so checking takes less than a minute instead of an afternoon of phone calls.
Your rate graded against the live market, not a guess
Lenders we compare when you ask us to act on the result
Cost to you. Lenders pay us when your loan settles
Rate check questions
How does the refinance rate check work?
Upload a recent home loan statement and AI reads your lender, rate, balance and repayments, then grades your rate from A to F against a live index of Australian lender rates sourced from the government's open banking data. You can also type your rate in manually. Either way you see your potential monthly saving instantly.
Is my statement stored anywhere?
No. Your statement is analysed in memory and discarded. Nothing is saved to a database or file storage, and we only see the numbers you choose to send us if you ask for a comparison.
What happens after the rate check?
Nothing, unless you want it to. If your grade shows room to save, you can ask us to run a real comparison across 60+ lenders, or book a call. We are paid by the lender when a loan settles, so there is no cost to you.
My rate looks fine. Should I still refinance?
Maybe not, and we will tell you so. A good rate can still come with a package fee that outweighs it, a missing offset account, or a fixed term about to expire onto a much higher revert rate. Those are the things a broker review picks up beyond the headline number.
Prefer to talk it through first?
Talk to Tom