Your rate has drifted
Your loan looked competitive when you chose it, but the market has moved since then.
RatesniffersIndependent Australian comparison
Book my free review◆ Free 30-minute rate review
Your lender knows your rate.Do you know how it compares?
Get a clear view of your home-loan position across 85+ lenders, without the jargon, pressure or guesswork.
Check my rate position ↗Free to compare No obligation
85+lenders considered
$0to book a review
30 minfocused conversation
Rate positionMarket sniff test
85+lender market
Current loanReview
Market optionsCompare
Built around your actual loan position
One clear, independent view
HomeownersRefinancersProperty buyers
Live from Ratesniffers
The cheapest rates we track today.
Owner occupier variable5.99%p.a.6.05% comparison rate*
Investor P&I variable6.19%p.a.6.24% comparison rate*
Investor interest only6.24%p.a.6.24% comparison rate*
Owner occupier 3 year fixed6.44%p.a.6.61% comparison rate*
Rates as at 27 August 2026. 80% LVR, principal and interest unless labelled interest only. Eligibility and lending criteria apply.
*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Follow the scent
Meet Ratesniffers
A sharper instinct for your home loan.
Rates move. Lender policies change. Your position changes too. Ratesniffers gives your current loan a fresh look across 85+ lenders, then can connect you to a broker if you want help exploring the next step.
Book my free rate review ↗30 minutes Free No obligationWorth a closer look?
A home loan can fall behind quietly.
Lenders, policies and pricing change. A quick review can show whether your loan still suits the position you are in today.
Your position has improved
More equity, stronger income or a changed loan balance may open different options.
Your loan no longer fits
The rate is only one part of the picture. Features, fees and structure still matter.
Book my free rate review ↗30 minutes Free No obligation
Your rate reviewPersonalised
We look beyond the headline rateFit matters.
✓Your current rate and loan structure01
✓Your property value and available equity02
✓The features you use and the fees you pay03
✓How your position compares across 85+ lenders04
A useful comparison, not a rate dump
See the whole loan, not just one number.
The lowest advertised rate is not automatically the right loan. We help you understand the trade-offs that affect the real fit of your home loan.
- Broad market contextUnderstand where your position sits across 85+ lenders.
- Plain-English clarityKnow what matters and what questions are worth asking.
- Your callLeave with a clearer next step, including staying put if that makes sense.
Simple from the start
Three steps to a clearer position.
1
Pick a time
Choose a 30-minute slot that works for you.
2
Share the basics
Tell us about your current loan and what has changed.
3
See where you stand
Get clear context and decide whether a closer comparison is worthwhile.
Book my free rate review ↗Choose a time that suits you
Your next 30 minutes
Find out whether your rate still stacks up.
Choose a time for a focused, no-obligation review of your current home-loan position.
✓No documents to bookHave your approximate rate and balance handy.
✓No fee for the reviewIt is free to understand your position.
✓No pressure to proceedYou choose the next step.
Independent by designClear comparison without paid placement. Times shown in your local timezone
30 minIs the rate review really free?+
Yes. There is no fee to book the 30-minute review and no obligation to take a next step.
What should I have ready?+
Your current lender, approximate loan balance, interest rate and property value are enough for a useful first conversation. Formal documents are not required to book.
Will I be pressured to refinance?+
No. The purpose of the call is to understand your current position and whether a closer comparison makes sense. You decide what happens next.
Is Ratesniffers a lender?+
No. Ratesniffers is an independent comparison service that helps Australians make sense of home-loan options across a broad lender panel.