Monthly repayments are based on advertised rate, loan amount and selected payment frequency over 25 years.
The comparison rate is based on secured credit of $150,000 and a term of 25 years. 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.
Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.
Welcome to RateCity's Loan section.
Are you in the market for a home, car or personal loan or do you currently have a loan and want to make sure you’re getting a good deal? RateCity allows you to search, compare and apply for more than 2000 home loans, personal loans and car loans – all in the one place.
Just complete the quick form at the top of this page and get your results immediately, or head straight to one of our popular searches found at the base of this page.
Should you need any help completing the Loans Calculator form or if you just want to learn more about mortgages and other loans, make sure you check out our Loans Calculator Guide.
Finding the right loan for you is important – use our Loans Guide to get the most up-to-date information, hints and tips about Car, Personal and Home Loans.
If you are looking to learn more about loan repayments and how they’re calculated, the fees involved with getting a loan or different features available with some loans, you are in the right place.
Read definitions on a range of loans terms using our Loans articles page. Familiarise yourself with the difference between advertised rates and real rates, learn about accelerating repayments and cash rates or find out if a low doc mortgage is the one for you. Get started by checking out the articles below.
Popular Loans Searches
Variable Rate Mortgages
Variable mortgages are the market standard. By applying for a variable rate mortgage, your interest rate will move along with the market rate, so you may find your repayments changing many times a year. Click on the link below to start comparing today!
Find a variable rate loan
Personal Loan Ratings
CANSTAR CANNEX personal loan ratings compare the major types of secured and unsecured personal loans products in Australia. Products are given a rating out of five stars for their comparative cost and for the array of positive features attached to the loan.
Low Interest Home Loans
Search, compare and apply for low interest home loans to find the most affordable mortgages in Australia. Often these are introductory home loans that provide a discounted interest rate for the beginning of the loan.
Compare low rate mortgages
Popular Loans Searches
Low Interest Personal Loans
For the latest low interest personal loans, compare online at RateCity to find a deal to match your repayment style. Choose from an extensive range of low interest personal loans that have been compiled by CANSTAR CANNEX. Click on the link below to start comparing today!
Find a low interest personal loan
Fixed Rate Mortgages
If you are the type of person who enjoys a degree of financial certainty then a fixed rate is the way to go. Knowing that your monthly repayments won't be affected by economic conditions can also provide you with security and the ability to budget carefully.
Find a fixed rate loan
Fixed Rate Personal Loans
Fixed rate personal loans make it easier to prepare a more reliable budget for the long term, as the repayments will be the same. If you are in the market for such a loan then click on the link to compare products and find one that suits your needs.
Find a fixed rate personal loan
Latest Loan NewsDec 08, 2013
You love the area you live in but your family has outgrown the house. Rather than pack up, sell up and move into new digs, you can renovate your current home to meet your needs and avoid compromisi...Nov 28, 2013
Mining investment and strong population growth are driving the construction of new buildings in Western Australia, with the state boasting the strongest residential building industry in the country...Nov 25, 2013
Just under 8 percent of the Australian population owns an investment property, according to the Australian taxation Office, although a much higher proportion considers it – or ends up selling up an...
Latest Loan NewsNov 21, 2013
It’s been quite a year for the Australian property market – with buyers out in record numbers, investors getting in on the action, prices continuing to gain momentum and record auction clearance ra...Nov 20, 2013
About half of all four- and five-year fixed rate home loans, and more than a third of three-year fixed rate home loans, have had rates adjusted up in the past two months, according to RateCity rese...Nov 17, 2013
Despite record low interest rates, first home buyers now account for less than 10 percent of all new home loan dollars financed – a record low. Yet an opportunity to support a savings initiative fo...
Latest Loan NewsNov 15, 2013
With Australia’s official cash rate at a 53-year historical low of 2.5 percent, Australian home owners are enjoying lower mortgage repayments than ever.Nov 08, 2013
Negative gearing allows investors to claim any losses they incur on an investment property against their personal tax income and is often cited as driving up the price of property by encouraging in...Nov 15, 2012
If you're thinking of selling your home now may be the time to do it as buyers flood back into the market.