What you pay, against what they publish

Most comparison sites are paid when you click through to a new lender. This one asks the question that usually has the other answer: what does the lender you are already with publish today, for a loan like yours? Often the useful thing to do with it is ring them.

Per cent a year.

93 brands are in the imported data. One that is not cannot be compared here.

Dollars.

Which sets the loan to value ratio, and the ratio sets the rate.

Years. Optional, and only used to show what the ACCC measured for a loan that age.

A published rate is not the rate a lender gives. The ACCC measured an average discount of about 128 basis points off the advertised rate at the big four banks, on criteria no lender publishes — which on a $500,000 loan is larger than the gap between most of the rows below. It is an average across a market and not a promise to anybody, and it cuts both ways: a rate you are already paying may carry a discount that appears in no table, and a rate here may be beaten by asking.
Enter the rate you are paying now and this compares it with what lenders publish today.

The rows behind those figures

Lender and productRateMonthlyBand the rate is published for
Easystreet
STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)		 5.79% $2,930.58 This lender publishes no band on the rate used
This compares figures lenders publish. It is not a recommendation, it does not know your circumstances, and switching a loan has costs of its own — a discharge fee, the new lender’s upfront fees, and lenders’ mortgage insurance again if your equity is under 20 per cent.