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Find out in under 60 seconds whether your current rate is competitive — and exactly how much switching could save you.
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Enter your loan details above to see how much switching could save you.
This is a guide estimate based on the lowest advertised owner-occupier P&I variable rate we currently track. Want a precise, personalised comparison across our full lender panel — free, no obligation?
Guide estimate only. Compares your entered rate against the lowest currently advertised owner-occupier principal & interest variable rate available at your loan-to-value ratio (assumed at 80% if you don't enter a property value) across the panel of lenders we track — not a personalised quote, and doesn't account for your income, credit history, other lender policy, or upfront/ongoing fees. If your current loan is on a fixed rate, switching may also involve a break cost that isn't included here. Assumes your current repayment is the standard minimum for your rate, balance and remaining term. Does not constitute financial advice.
A health rating is the start of the conversation, not the end of it. Here's what happens next.
See why clients work with us →"We refinanced with Sam's help and saved over $400 per month. The whole process was seamless — Sam explained every option clearly and never pushed us toward anything that wasn't right for us."
"Sam talked us through fixed vs variable before we locked in our rate — six months later when rates moved, we were relieved we'd asked the right questions instead of guessing."
We compare the rate you enter against the lowest currently advertised owner-occupier principal & interest variable rate that's actually available at your loan-to-value ratio (LVR) across the panel of lenders we track — the cheapest headline rates are often only available below a certain LVR, so we filter those out if they wouldn't apply to you. Enter your property value for a rating based on your real LVR; otherwise we assume a typical 80%. The closer your rate is to that benchmark, the higher your score out of 100.
Investment and interest-only pricing varies a lot more between lenders than owner-occupier P&I rates do, so a single benchmark number would be misleading. If that's your loan, book a free call and we'll give you a precise, personalised comparison instead of a guess.
This is a guide only — it doesn't account for your individual borrowing profile (income, credit history, LVR), lender fees, discharge or establishment costs, or fixed-rate break costs if applicable. It assumes your current repayment is the standard minimum for your rate, balance and remaining term.
Usually — but not always, once you weigh in discharge fees, new establishment costs, and how long you plan to keep the loan. That's exactly the judgement call a 15-minute call with Sam is for, rather than relying on a savings number alone.