Australian Home Loan Rate Tracker

All rates are submitted by real Australian homeowners and represent actual approved rates. However, rates can vary based on individual circumstances including credit score, loan amount, and deposit size.

Our database is updated in real-time as homeowners submit new rates. We encourage users to share their current rates to keep data fresh and relevant for the community.

Yes, we have verification systems in place. Rates marked as 'Verified' come from users who provided email addresses for verification. All submissions go through spam protection and validation.

We cover all major Australian banks including the Big Four (CBA, Westpac, ANZ, NAB) plus Macquarie, ING, Bank of Queensland, Suncorp, and many other lenders across Australia.

Click the 'Submit Your Rate' button on our homepage. You'll need to provide your bank, interest rate, loan type, LVR, loan amount, and state. Email is optional but helps verify your submission.

Absolutely. We never ask for or store sensitive financial details like account numbers or personal identification. Only basic rate information is collected to help other homeowners.

By sharing your rate, you help create transparency in the Australian mortgage market and assist other homeowners in making informed decisions about their home loans.

Yes! We accept rates for both owner-occupier and investment properties. Please select the correct loan type when submitting your rate.

After submitting your rate, you'll see a confirmation message on screen. If you provided an email address, your submission will be marked as 'Verified' in our database once processed.

LVR stands for Loan-to-Value Ratio. It's calculated as (Loan Amount ÷ Property Value) × 100. For example, if you borrowed $400,000 for a $500,000 property, your LVR is 80%. Lower LVRs typically get better interest rates.

'Verified' rates come from users who provided email addresses for verification. 'Unverified' rates are anonymous submissions. 'Public' rates are public data we've added from other user sources for comparison purposes.

Yes! Our database includes rates from credit unions, building societies, and non-bank lenders in addition to the major banks. We cover over 50 Australian financial institutions.

The rates here are actual approved rates from real customers, which may differ from advertised rates. Banks often offer different rates based on individual circumstances, loan size, and negotiation.

This site provides information only and is not financial advice. We recommend speaking with a mortgage broker or financial advisor before making refinancing decisions.

Currently, submissions cannot be edited or deleted directly. If you need to update your information, you can submit a new rate. Our system prevents duplicate submissions from the same user within a month.