RateSearch icon RateSearch
By
Mango Financial Group logo Mango Financial Group
About us →
Free home loan health check
GROWTH Stage 1 of G.R.O.W.T.H. — Get Your Loan Right

Are you paying too much on your home loan?

A 60-second analysis of your loan against current market rates. Honest verdict, real numbers, no spam — just a clear answer on whether you're getting a fair deal.

60s To complete
30+ Lenders compared
$0 No cost, no obligation
Mango Financial Group logo
Built and operated by Mango Financial Group A licensed Australian credit representative working with 30+ lenders to find the right fit for you.
Buying instead of refinancing? Talk to a Mango broker about purchase rates and pre-approval — this tool is for existing loans.
Lender comparison

Three lenders that fit your profile

Lender names are hidden on the preview — every rate and saving is shown here.

Why three? More choice just adds noise. These are the three closest fits for your profile — the names and full breakdown are in your report.

★★★★★ 5.0 · 49 Google reviews
No credit check. Checking your rate here will not affect your credit score in any way.
Which loan are you checking?

Pick the path that matches your situation. We've built each flow specifically for that scenario — different lenders, different rates, different questions.

Tell us about your loan

Just the basics. We'll use these to check your rate against the market.

$
$
6.34%
Look at your last home loan statement if you're not sure.
25

A few quick questions

This is what makes the analysis actually accurate for your situation.

What matters most to you?

This shapes the recommendations you'll see next.

Tell us about your SMSF loan

Just the basics on your SMSF home loan. We'll check it against current SMSF specialist rates.

$
$
7.99%
Look at your last SMSF loan statement if you're not sure.
25

A few SMSF-specific questions

These shape which specialist lenders are the right fit.

What matters most for your SMSF?

This shapes the recommendations you'll see next.

Analysing your loan against current market rates...
In good shape
GROWTH Stage 1 of 6 — Get Your Loan Right
Your rate is competitive
Worth a check again in 6 months.

Your rate check is Stage 1 of the G.R.O.W.T.H. method. Stages 2–6 — reducing bad debt, investment property, tax structure, equity recycling, and paying your home off years early — are mapped to your situation in your full report.

Free — your full analysis and roadmap, emailed in about 60 seconds.
Scroll for the full analysis
Potential monthly saving
$0
if you switched to best available
Over remaining loan life
$0
total potential saving

This is not an approval. It's indicative information only — not a pre-approval or offer of finance. Any lending is subject to a full credit assessment, income and expense verification (serviceability), property valuation, and the lender's criteria.

Where you sit in the market

You: 6.34%
Best 25% Average Worst 25%

Why we're saying this

Three lenders that fit your profile

Lender names are hidden on the preview — every rate and saving is shown here.

Why three? More choice just adds noise. These are the three closest fits for your profile — the names and full breakdown are in your report.

★★★★★ 5.0 · 49 Google reviews
Shahmir Naqvi, Director Mortgages
"I'm Shahmir. I built RateSearch because I was tired of seeing clients quietly pay the loyalty tax."
Shahmir Naqvi · Director Mortgages, Mango Financial Group

What's next?

Pick the option that matches where you're at.

All actions connect you with a Mango Financial Group credit specialist.

How it works

Three steps. Sixty seconds. Zero pressure.

No phone calls, no signup, no sales pitch — just an honest read on whether your home loan still makes sense.

01

Tell us about your loan

Loan balance, current rate, lender, and what matters most to you. No personal details required until you choose to receive your report.

02

We compare against the market

Your loan is benchmarked against current rates from 30+ Australian lenders, calibrated for your LVR, loan purpose, and goals.

03

You get an honest verdict

Plain English result with the real dollar gap, three lender alternatives that fit your profile, and a clear next step. No pressure to take any of them.

Our lender panel

We work with 30+ Australian lenders

Big four, second-tier banks, and specialist lenders — picked for fit, not commission.

Commonwealth Bank
Westpac
NAB
ANZ
Macquarie
ING
Suncorp
Bankwest
Bank of Melbourne
St. George
AMP
Athena
Bluestone
Firstmac
Pepper Money
+ many more

Our complete panel and how we receive commissions is set out in our Credit Guide.