About RatesBoard
Rates as at 31 Oct 2026.
RatesBoard is an independent home loan rate comparison site for Australia. We read what lenders publish, every day, and put it in one place, ranked by advertised rate. Every row also shows the comparison rate, which folds the fees in, so two loans can be compared like for like. We’re not paid by any lender.
Why this site exists
A home loan is the biggest regular payment most people will ever make. It’s also the only one whose price can change without anyone telling you. Australian lenders publish their rates, so none of it is secret. Nobody’s job is to put those prices next to each other though, and nobody’s job is to tell you yours moved.
That is the gap RatesBoard fills. The goal is simple: rank home loans on a leaderboard so that you know whether you’re getting the best rates. The longer version of this story is in Why We Built RatesBoard.
Independence
RatesBoard is run independently, and we are not paid by any lender. We take no commissions and no affiliate or referral payments from lenders, and we’re not a lender, a broker or an adviser. A list of prices paid for by the industry it ranks isn’t a list worth trusting.
How the numbers work
Every figure comes from a source we can point to, synced from the lenders’ own published data. The full detail is on the methodology page: where each number comes from, what we track and what we don’t, and how the leaderboard is ranked.
The board covers two markets: 195 owner-occupier home loan products from 31 lenders, and 194 investor home loan products from 31 lenders, which you can switch between with the owner-occupier / investor toggle on the rates table.
When we get something wrong, we fix it and we say so rather than quietly editing it away.
Get in touch
Found something wrong, or a lender you think we should track? Email us at hello@ratesboard.com.au.
Writing about home loans? The press & data page has the key facts, including how to cite us.