Every lender's rates, checked every day
Home loans, personal and car loans, credit cards, savings accounts and term deposits from banks, credit unions and online lenders. Sorted best first, with a link straight to the lender.
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Who moved their rates
Every rate change we've seen, by lender and day. See who passes on a cash rate change, how fast, and who moves quietly in between.
| Day | Lender | Product type | Rate lines changed | Typical change |
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How rates are trending
The typical (middle) rate across all lenders and the best one on offer, day by day.
Lenders
Every lender we track and what it offers today.
Pick a lender to see its products and rates.
Am I paying too much?
Put in your loan and your rate. We'll show you how it stacks up against every lender we track today, and what you could save. Your figures stay on your screen: only the type of loan is used to look up today's rates.
Fill in the boxes to see how you compare.
Loan and savings calculators
Work out repayments, interest and real costs in seconds. Everything is worked out on your own screen: nothing you type is sent to us or kept, and we never ask for your email.
Fill in the boxes to see your results.
Estimates only, using the figures you enter. General information, not financial or tax advice. Lenders work out repayments in slightly different ways, so your lender's figure can differ by a few dollars.
Offset account or savings account?
Savings in an offset account cut the interest on your home loan. Savings in a bank account earn interest, and that interest is taxed. Put in your numbers to see which comes out ahead for you. Everything is worked out on your own screen: nothing you type is sent to us or kept.
How it works
We compare the home loan interest your cash saves in an offset (less any yearly fee) with the interest a savings account would pay after tax at your tax rate. It also shows the savings rate you'd need to match your loan rate.
Questions people ask
How does an offset account work?
It's a transaction or savings account linked to your home loan. Interest is charged on what you owe minus the offset balance. With $450,000 owing and $30,000 in the offset, you pay interest on $420,000.
Is offset interest taxed?
No. It isn't income, it's interest you don't pay, which is why it often beats a savings account for an owner-occupied home loan. If the loan is for an investment property, the tax side is different, so talk to your accountant.
What's the difference between offset and redraw?
Both cut your interest. Offset money stays in a separate account you can spend from. Redraw money has been paid into the loan, and getting it back depends on your lender's rules.
This is not financial advice. These calculators are general information only. They are estimates using the figures you enter and don't take your own situation, goals or needs into account. Your lender works out interest daily and may round differently, so your real figures will be a little different.
Before you act, check your loan's terms: some loans (often fixed-rate loans) limit extra repayments or charge break costs, and some charge fees for redraw or offset accounts. Money paid into a loan may not be easy to get back out. For advice on your situation, speak to your lender, a licensed financial adviser or a mortgage broker. Free help is also available from the National Debt Helpline on 1800 007 007.
Rates and property news
Cash rate decisions, lending and the property market, from trusted news outlets and the Reserve Bank. Open a headline to read it at the publisher.
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About Oz Rate Tracker
Why we built this
We got sick of comparison sites. You spend five minutes filling in what you earn, how much you want to borrow and over how long. Then on the last screen they want your email and phone number before they'll show you anything. Hand those over and the emails and phone calls start.
Many comparison sites are paid when you sign up with a lender through them. That's why they want your details.
So we built the site we wanted to use: every lender's published rate, sorted best first, free, with nothing to fill in before you see the answer.
Our promise
- No sign-up, no email, no phone number. We never ask for them, so no one can call you.
- Nothing you type is kept. The calculators and "Am I paying too much?" work on your own screen.
- No lender pays to be ranked. The order is simply the rate.
- Free, always.
How fresh the rates are
Every lender's list of products is checked every day. When a lender changes a product, we read the new rates within a few hours, and we record the day each rate changed (history from 6 November 2026).
Rates can still change between our checks, and the rate you're offered depends on your own situation: your deposit, income, credit history and the property or car. Always confirm the rate with the lender before you sign.
Rates only offered after a negotiation (tailored products) are left out of the best-rate lists. Loans only some people can get (police, defence, veterans, essential workers, staff, broker-only and similar) are hidden unless you tick the box or search for them.
We're not financial advisers
This is general information, not advice. It doesn't take your situation into account. Read the lender's terms, and speak to a licensed adviser or broker if you're unsure.
Always ask for a better rate
The rate you're quoted is often not the lowest the lender will go. One of us was quoted a novated lease by a big bank over the phone, mentioned a cheaper quote from the dealer, and without any pushing the bank emailed a lower rate and lower repayments the same day, with "if you find something better, let us know". Ask every time, and get the offer in writing.