Interest Rates
Compare variable, fixed and split-rate options and understand how repayments may change.
Loan Comparison Australia
Compare Features, Rates and Lender Options With Guidance From an Experienced Broker
Get matched with an experienced Australian mortgage broker who can help you compare suitable home loan features, interest rates, fees and lender options based on your needs.
Guidance from your first question to settlement
Comparing home loans involves more than looking at the advertised interest rate.
Fees, loan features, repayment flexibility, lender criteria and the total cost of the loan can all affect which option may suit you.
Find My Shoe House helps connect you with a mortgage broker who can review your goals, explain suitable loan options and compare lenders available on their panel.
Compare more than the interest rate
Review rates, fees, comparison rates, repayments and the total cost over the loan term.
Review useful loan features
Compare offset accounts, redraw, extra repayments, fixed or variable rates and other features.
Understand lender requirements
Compare serviceability rules, deposit requirements, credit policies and eligible property types.
What can a broker help you compare?
Get practical guidance to compare suitable home loan options from lenders available on your broker's panel.
Fees and Charges
Review application fees, annual package fees, valuation costs and other lender charges.
Loan Features
Compare offset accounts, redraw facilities, extra repayments, portability and repayment flexibility.
Lender Criteria
Understand how different lenders assess income, expenses, debts, deposits and property types.
Repayment Options
Review principal-and-interest, interest-only, weekly, fortnightly and monthly repayment options.
Application Support
Receive help preparing documents, responding to lender questions and progressing the application.
Four simple steps to comparing home loans
We use your goals, financial position and preferences to connect you with a suitable mortgage broker.
01
Tell Us What You Need
Share your loan purpose, estimated amount, preferred features and timeframe.
02
We Review Your Needs
We review your details to identify a broker suited to your loan comparison needs.
03
Speak With Your Broker
Your matched broker discusses your priorities and suitable lender options available on their panel.
04
Compare Suitable Options
Review rates, fees, features, repayments and lender requirements before deciding whether to apply.
Understand what matters when comparing loans
The most suitable loan is not always the one with the lowest advertised rate. Fees, features, repayment flexibility, lender policy and your long-term goals should also be considered.
- ✓ Interest rate and comparison rate
- ✓ Upfront and ongoing fees
- ✓ Offset, redraw and repayment flexibility
- ✓ Fixed, variable or split-rate structure
- ✓ Lender eligibility and serviceability rules
Important things to understand when comparing home loans
Understand the key differences between rates, fees, features and lender policies before choosing a loan.
What is the difference between an interest rate and comparison rate?
The interest rate affects your repayments, while the comparison rate also includes certain fees and charges to provide a broader estimate of loan cost.
Should you choose a fixed or variable rate?
A fixed rate provides repayment certainty for a set period, while a variable rate may offer more flexibility. Split loans combine both.
Which loan features may be useful?
Useful features may include an offset account, redraw, additional repayments, repayment frequency choices and loan portability.
Why do lender policies matter?
Different lenders assess income, expenses, debts, deposits and property types differently, which can affect eligibility and borrowing capacity.
Frequently asked questions
Common home loan comparison questions
Simple answers to help you compare home loan options more confidently.
Not always. A loan with a slightly higher rate may include features or lower fees that better suit your needs.
A comparison rate generally includes the interest rate and certain known fees, but it may not reflect every cost or feature.
A broker can compare suitable options from lenders available on their accredited panel. The exact number varies by broker.
Yes. A broker can explain fixed, variable and split-rate options and how each may affect repayments and flexibility.
Yes. A broker can compare suitable lender options on their panel and explain rates, fees, features and eligibility requirements.
No. You can review suitable options before deciding whether to proceed with an application.
Find your mortgage broker
Take the next step toward a clearer loan comparison
Tell us what you are looking for and we will help connect you with a suitable mortgage broker.
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Quick loan comparison enquiry
Share your priorities and loan needs in only a few minutes.
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Matched around your loan priorities
Your goals, financial position, preferred features and timeframe guide the match.
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No obligation to proceed
Understand your options before making a decision.