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Home loan rate option

Interest rate p.a.
Comparison rate p.a.*
Loan scenario
Feed checked

Conditions and lender availability

*Comparison rate information

Example & terms

Daily example: $600,000 · 80% LVR · Owner-occupied · Variable · P&I · Purchase

30-year loan. These are daily market examples, not a personal quote or a whole-market ranking. Changing the calculator does not change these rates.

Subject to lender criteria, fees and conditions. Rates can change. Some products may be outside our broker panel or available only directly.

Your request goes to Rate Challenge. We’ll confirm available options and suitability; requesting a rate is not an application or approval.

Feed checked 1 Oct 2026. This is the dataset check date, not a separate verification date for each product.
Mortgage & finance brokers

A home loan that
works for you.

Buying, refinancing or investing? Compare your options with a broker who explains the numbers.

Talk to a broker
Explore our calculators Compare rates
✓ Compare suitable lenders✓ Understand the costs✓ Ongoing support

Let’s talk about your next move.

Tell us how to reach you. No obligation.

No broker fee on standard home loans.
Any applicable fee is explained before you proceed.

35+ lender broker panel35+ lendersOptions to suit your circumstancesBroker panel
Advice wherever you areAustralia-wideAustralia-wide by phone & videoPhone & video
Daily home-loan rates
Daily rate snapshotExplore lenders and loan options
Refinance · P&I · $500,000 · 75% LVRCompare all rates

Rates p.a. Comparison rates use the source’s calculation basis, not this scenario. Fees and eligibility apply. Includes lenders outside our broker panel.

Product & rate details
Start with your goal

What’s your next move?

A first home, a better rate or a bigger plan.
Let’s work through your options.

Buy a home

First home or next home. Understand your deposit, budget and borrowing options.

Plan your purchase

Review your loan

Check your current rate, the cost of switching and whether a change stacks up.

Explore refinancing

Invest in property

Work through equity, rental income and the cash flow behind your next purchase.

Plan your investment

Business & specialist

Commercial property, business, equipment and SMSF property finance.

Find your options
David Warburton, mortgage broker at Rate Challenge
Meet your broker

David Warburton

A mortgage and finance broker helping you understand your options, prepare your application and get through settlement.

About David & Rate Challenge
Tools, rates & research

Get a clearer picture.
Before you apply.

Explore the numbers in your own time. Then talk to a broker about what they mean for you.

Explore the tools
A wider view of the market.

Research rates across 100+ lenders. Your loan recommendations are drawn from our 35+ lender broker panel and depend on your circumstances.

Compare home loan rates Housing Affordability Explorer All research & data
How it works

A clear next step.
At every stage.

01 / TALK

Tell us what you’re planning.

We’ll discuss your goal, timing and finances, and what you need from your loan.

02 / COMPARE

Understand your options.

We’ll compare suitable lenders, rates, fees and features, with the trade-offs explained.

03 / MOVE FORWARD

Get help through settlement.

We’ll guide the application, manage lender questions and help review your loan as things change.

A few things you
might be wondering.

Does it cost to speak with you?

The initial conversation is obligation-free. For standard residential home loans, Rate Challenge generally does not charge a broker fee because the lender pays commission after settlement. Any applicable fee is explained before you proceed.

Can you help if I’m just exploring?

Yes. We can discuss where you are now, what you want to do and the information you’ll need before you apply.

Can you help outside Victoria?

Yes. Appointments are available Australia-wide by phone and video, with local appointments by arrangement.

Will using a calculator affect my credit score?

No. Our calculators are educational tools. They do not submit a credit application or create a credit enquiry.

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