Home loan comparison

Compare Home Loan Lenders

Different lenders can assess the same borrower differently. We help you compare relevant home loan options, rates, features and lending policies before you decide.

Look beyond the rate

Compare Home Loans on the Things That Matter

The interest rate matters, but so do fees, loan features, lending policy and whether the lender suits your financial position and plans.

Compare Relevant Lenders

We look at lenders available through our panel and narrow the comparison to options that may suit your circumstances and loan purpose.

Check Rates and Costs

Compare interest rates, fees and repayment differences so the costs are easier to understand.

Check the Loan Features

Offset accounts, redraw, fixed or variable rates and repayment options can matter differently depending on how you plan to use the loan.

A useful comparison

The Best Home Loan Fit Depends on More Than the Lowest Rate

Home loan lenders have different products, policies and ways of assessing applications. A low advertised rate may look attractive, but it does not tell you whether the lender is a good fit for your circumstances.

Your income, deposit, existing debts, property type and loan purpose can all affect which options are relevant. Fees and useful features such as offset or redraw can also change the overall value of the loan.

We compare relevant options from lenders available through our panel and explain the differences in plain language, so you can make a more informed decision about the loan that suits your needs.

Compare the details

A Useful Comparison Looks at the Loan as a Whole

Rates are important, but they are only part of the decision. We also look at fees, useful features and the lender's policy for your circumstances. That makes it easier to understand why one option may fit better than another.

Interest Rate and Fees

Look at the rate alongside upfront and ongoing fees rather than relying on one number.

Useful Loan Features

Consider whether features such as an offset account, redraw or repayment flexibility are useful for you.

Lender Policy

Different lender policies can produce different borrowing outcomes even when your financial position is unchanged.

Professional guidance, clearly accountable

Raise Wealth Pty Ltd trading as The Digital Brokerage is a Credit Representative (553369) operating under Australian Credit Licence 389328.

Clear comparisons

Understand Why One Home Loan May Suit You Better

We explain the differences between relevant options and the reasons behind them, so you can make the final decision with a clearer picture of the loan.

How do I compare home loan lenders?

Compare the interest rate, fees, repayments, loan features and lender policy, then consider how each option fits your circumstances and plans.

Is the lender with the lowest home loan rate always best?

Not necessarily. Fees, features, lending policy and the way you plan to use the loan can all affect whether a lower-rate product is suitable for you.

Do different lenders calculate borrowing capacity differently?

Yes. Lenders can use different assessment rates, expense assumptions and policies, which means borrowing capacity can vary between lenders.

Can a mortgage broker compare every lender in Australia?

A mortgage broker compares lenders available through their approved lender panel. The lenders and products considered will depend on that panel and your circumstances.

What home loan features should I compare?

Common features include offset accounts, redraw, fixed and variable rate options, extra repayments and repayment flexibility. Which features matter depends on your needs.

Want to compare your options?

Compare Home Loan Options Before You Decide

We can look at relevant lenders and explain the rates, features and lending differences that may matter for your application.

Compare home loan options

Our process

How to get a home loan online

Start with discovering your borrowing capacity by using our free calculator, then we can help you compare suitable lenders, organise the application online and manage the steps through approval and settlement.