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Home loan comparison
Whether buying, refinancing, or investing, search and compare home loans quickly and easily on RateCity. Rates starting at 4.99% (comparison rate* 6.15%)
110+ home loan providers in RateCity’s database
6900+ home loan products in RateCity’s database
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Why search and compare at RateCity?
- No cost to you
Using our comparison tool to help find a home loan is free. However, we might receive a commission from partners if you apply through our site.
- Expert research
Our team of home loan research experts evaluates home loans for value (including price and features), offering detailed ratings to aid your comparison.
- Dedicated experts
Our seasoned editorial team has extensive experience in financial comparisons, aiming to simplify complex terms into useful information for Australians.
- A variety of providers
We review and rate home loans from over a hundred providers, offering a wide selection of home loans for informed decision making.
Home loan calculators
Use our tools and calculators to crunch the numbers on your home loan. Find out how much money you might be able to borrow, your potential repayments, and much more.
Borrowing Capacity Calculator
Discover how much you could afford to borrow for your dream home.
Home Loan Repayment Calculator
A tool to calculate your monthly repayments and help you better manage your budget.
Stamp Duty Calculator
Enter your property’s purchase price and location to receive an instant stamp duty estimate.
Refinance Calculator
Compare your current mortgage with potential new options, identifying possible savings.
LMI Calculator
Enter your property value and loan amount to calculate how much LMI you may need to pay.
Compare home loan options
Latest home loans articles
Home Loans
03/10/24 . 8 min read
Asking for a rate cut: how to negotiate a better home loan rate
If you don't ask you don't get. If you are unhappy with your current home loan it's perfectly acceptable to approach your lender and ask for a better rate.
Alex Ritchie
Personal Finance Editor
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.