Independent · Australian · Mortgage Intelligence

Find out in minutes if your
bank is overcharging you

See what the data says about your home loan — based on your numbers, not ours.

Your Mortgage Diagnostic

Independent analysis. No referral fees. No commissions. Just the data.

If you have a split loan (part fixed, part variable) run the diagnostic separately for each portion.

Determines which rate table is used in your comparison
$
Your current outstanding mortgage balance
% p.a.
The rate your bank is currently charging you

Fixed rate loans may have significant break costs to exit early — sometimes $5,000 to $20,000 or more. Contact your lender for your exact break cost and add it to your switching costs below before running this diagnostic.

Variable rates can be exited at any time. Fixed rates may incur break costs.
How your current loan repayments are structured
years
Years remaining on your current loan
$
Funds in your offset account or redraw (enter 0 if none)
Your offset account reduces the balance on which interest is calculated.
$
Used to calculate your loan-to-value ratio (LVR)
months
Defaults to your remaining loan term. Reduce if you plan to sell or refinance sooner.
$
Estimated based on industry averages — adjust if you know your exact costs

✓ We are not paid by any lender. No commissions. No referral fees. Ever.

⚠ Your result does not include fixed rate break costs. Add your exact break cost to switching costs for an accurate result.
⚠
Lenders Mortgage Insurance may apply

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Monthly Saving
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Annual Saving
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Breakeven Point
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Net Benefit

Your Full Market Analysis Is Ready

See exactly which lender saves you the most — ranked by net benefit to you. Includes your lifetime interest saving, full lender table, offset eligibility, cashback offers and next steps.

Launch Offer
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Price increases to $49 on 17 April 2026
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One-time payment. No subscription. No referral fees. Ever.
  • ✓ No commissions or referral fees — ever
  • ✓ Ranked by what's best for you, not who pays us
  • ✓ Verified rates as of 15 March 2026

Your loan is already competitive.

Based on your inputs, switching lenders doesn't make financial sense right now. We will never charge you for that answer — it's what being on your side means.

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Lifetime Interest Saving
The Market, Ranked For You. Ranked by Net Benefit to You

These results are ranked by what is best for you — not by who pays us the most.
Loan Terminal does not accept commissions or referral fees from any lender.

# Lender / Product Effective Rate (incl. fees) Cashback vs Your Rate Monthly Payment Total () Offset Verdict

Some lenders do not offer offset accounts. If your offset balance is significant, factor this into your decision.

Rates sourced directly from lender websites and last verified 15 March 2026. Effective rates include advertised annual package fees. Cashback offers subject to lender eligibility criteria. LMI costs not included — obtain a quote from your lender if LVR exceeds 80%. Calculations are estimates only. Fixed rate break costs not included — contact your lender for exact figures. Loan Terminal does not accept commissions or referral fees from any lender. General information only — not personal financial advice. Always verify current rates, fees and eligibility directly with lenders before making any decision.

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Buying Your Next Property?

We are building a diagnostic for new home loan buyers — so you can find the best rate before you commit, not after. Join the waitlist and we will let you know when it launches.

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