Find out if you're paying the loyalty tax. In 60 seconds.
A 60-second check of your loan against today's market rates. Real numbers, no spam, and a straight answer even when the answer is you're already on a good deal.
Three lenders that fit your profile
Lender names are in your free report. 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.
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.
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.
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.
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.
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
Why we're saying this
Three lenders that fit your profile
Lender names are in your free report. 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.
What's next?
Pick the option that matches where you're at.
All actions connect you with a Mango Financial Group credit specialist.
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.
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.
We compare against the market
Your loan is benchmarked against current published rates from 13 Australian lenders, calibrated for your LVR, loan purpose, and goals.
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.
We work with 30+ Australian lenders
Big four, second-tier banks, and specialist lenders, picked for fit, not commission.
Our complete panel and how we receive commissions is set out in our Credit Guide.
Send me my report
We'll email your full analysis as a PDF within 60 seconds.
By submitting, you agree to be contacted by Mango Financial Group regarding your home loan options. We respect your privacy and never share your details.
Compare home loan rates against your own loan
Most ways to compare mortgage rates in Australia show you a table of advertised numbers. The rate that matters is the one available to you, which depends on your loan-to-value ratio, whether the property is owner-occupied or an investment, and whether you are paying principal and interest or interest only. RateSearch compares home loan rates against the loan you actually hold and gives you a verdict, including when you are already on a competitive rate.
Lenders reserve their sharpest pricing for new customers, so home loan rates that were competitive at settlement often drift above the market over a few years. Checking takes about a minute and involves no credit check.