Compare .
through a licensed broker
How It Works (3 Simple Steps)
Upload your bill and we will instantly review providers in your postcode. See clear comparisons, find a better deal, and make the switch in just minutes. Simple, fast, and designed to help you save on your energy and gas bills.
Tell Us What You Need
Share a few quick details so we understand your goals. Whether you’re refinancing, buying your first home or consolidating debt, this helps us connect you with the right broker.
We Connect You
We’ll introduce you to a licensed professional who’s suited to your situation and ready to discuss your options.
You Get Expert Help
Any credit assistance or advice on loan products, recommendations or applications is provided directly by the broker or their authorised representative.
Our partner brokers have access to a wide panel of lenders, including major banks and non-bank lenders.
Mortgage Refinance
Where Rates Stands Today
- RBA Cash Rate: 3.60% as of August 12, 2025 — the third cut this year. Reserve Bank of Australia+2Reuters+2
- Average Variable Home Loan Rate: Around 5.76% p.a. Land Sales+1
- Typical Fixed 2-Year Rates: ~5.8% p.a. Land Sales
- Rate Ranges: Generally between 5.5% – 7.5% p.a. depending on lender, loan type, features. Land Sales
Mortgage Refinance
Property & Economic Outlook
- Inflation Easing: Inflation has moderated — with trimmed mean inflation at 2.7% and headline CPI at 2.1%, both within RBA’s 2–3% target range. aussiefinancials.com.au+1
- Rate Cut Relief: This RBA cut is the third in 2025. It marks a two-year low for the cash rate. Reuters+1
- Future Cuts Expected: Economists and market indicators suggest potential for further easing. Reuters+1
- Driving Demand: Lower rates may fuel demand, pushing property values — especially in regional and growth-focused cities. Hotspots include Brisbane, Adelaide, Perth. (Add local property forecast visuals.)
Why Choose Us?
Why Choose Compare Your Rates?
Whether you’re buying your first home, growing your investment portfolio, refinancing, or consolidating debt – our free service makes it easy to connect with trusted mortgage brokers who can help you explore the best options across more than 30 lenders.
- First Home Buyers
Take the stress out of your first purchase. We connect you with brokers who can guide you through government grants, rebates, and competitive home loan options—so you can get into your first home sooner. - Property Investors
Maximise your returns with access to brokers who specialise in investment loans. Compare structures, rates, and lenders to grow your property portfolio with confidence. - Refinancing Made Simple
Lower your repayments, lock in a sharper rate, or unlock equity. Our service matches you with brokers who can help you save money and reach your financial goals faster.
What Help Are You Looking For?
Smarter Finance Connections
We connect you with licensed mortgage brokers who can assist with home loans, refinancing and more.
Compare Your Rates® has helped over 108,932 compare products and services
Frequently Asked Questions
Will entering my details lock me into a contract?
What documents do I need to get started?
How does the comparison process work?
Will this affect my credit score?
No—comparing doesn’t impact your score. However, we will let you know once this affects your credit score.
(Based on Bankrate: credit inquiries clustered within 45 days count as one dip—and typically only few points lost) Bankrate.
How long does refinancing take?
Most refinances close within 30–45 days. Sometimes faster if your documents are in order.
(Average time: 44 days per Bankrate) Bankrate.
How much will refinancing cost?
Should I refinance just for lower monthly payments?
Looking for Information?
We want to help Aussies feel in control when it comes to their finances. That’s why we created a range of free resources to empower you to take control of your household bills and expenses.
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