Mortgage Rates - Calculate Repayments & Compare Savings


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Calculate your mortgage repayments and savings when switching your mortgage from the Big 4 banks

Loan Amount



We found a range of home loans that match this criteria

Assumptions | Australian Credit License 316710. *WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to to read more.provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. Offers selected from a range of home loan products in the RateCity database. The results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. All numbers are estimates. Check exact details of offers before applying for a loan. Stamp Duty calculations are an approximation and should be verified on the relevant government website. Certain states have conditions for some buyer types and loan amounts that have not been factored into calculations. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

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*Calculations - how we came up with our estimates:

We looked at the current discounted variable loan rates from the big four banks (ANZ, Commonwealth Bank, NAB and Westpac) and produced an average, which was 4.46 per cent per annum. We assumed an annual fee of $395. We compared these rates to the lowest rate offered in March 2018.

For our calculations, we used $381,924 as the home loan amount, which was the average owner-occupier home loan size based on December 2017 figures from the Australian Bureau of Statistics data. We have assumed a 15-year loan term and an LVR of 70 per cent or lower.

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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, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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