Free Tool — Email Required

Is your home loan rate
costing you money?

Enter your email and loan details to instantly see how your rate compares to the best on the market — and how much you could save. Your email is required to unlock the best rate result.

Instant results 100% free No credit card needed Live market data

Your Loan Details

We'll match your profile against live market data.

$

* Exit fees and application fees are not included in the calculation. Please contact our brokers or check each lender's policy.

Your results will appear here

Fill in your loan details on the left and click Check My Loan Health.

How it works

1
Enter your details

Tell us your loan purpose, repayment type, remaining balance, and current interest rate.

2
We scan the market

We compare your rate against the lowest variable rates currently available from lenders across Australia.

3
See your saving

Your health score, estimated annual saving, and the best rate on the market appear instantly. Log in to see the lender name, or upgrade to VIP to also unlock the best cashback deal.

Frequently asked questions

Yes, completely free. Your email is required to run the check — we use it to show you the best rate available and, if you're a new user, to create a free account so you can log in and see the full lender details and set up rate alerts.

We take the difference between your current rate and the best available market rate, then multiply it by your remaining loan balance. This gives you a rough annual interest saving. Note that exit fees, application fees, and ongoing fee differences are not included — your broker can factor these in for a precise comparison.

Healthy (green): your rate is within 2% of the market best — you're in a good position. Review Soon (yellow): there's a moderate gap worth exploring with a broker. Overdue (red): you may be significantly overpaying and refinancing is worth serious consideration.

Some lenders offer a one-off cashback payment when you refinance to them. VIP members (Eternal Broker home loan customers) can see the best cashback deal alongside the best rate, giving a full picture of their first-year net saving.

Not always — it depends on your remaining loan term, any exit fees, your equity position, and your financial goals. This tool gives you the headline saving number. Contact our brokers for a full assessment tailored to your situation.

Want a full refinancing assessment from an expert broker?

Talk to a Broker