Australia's Smartest Rate Matching Engine

Find a Better
Rate
in Minutes

We compare rates from 40+ brokers and lenders across Australia — so you get the best deal without the legwork. Free, fast, and no obligation.

40+ Lenders compared
$0 Cost to you
3min To get matched
Step 1 of 4
What are you looking for?
Buy a home
Refinance
Invest
Build
🔒 Your data is private and never sold
PAYG Full-Time
PAYG Part-Time
Self-Employed
Casual
Variable
Fixed
Split
Not sure
Offset account
Redraw facility
Extra repayments
Low fees
Broker
Direct lender
No preference
By submitting you agree to our Privacy Policy & Terms of Use. You may withdraw consent at any time.

You're matched!

Our AI scanned 40+ lenders and found your top matches.
Expect a call or email within 1 business hour.

The Process

Three steps to a better rate

RateChaserAI compares, matches, and connects you with the right people in minutes.

1
📋

Tell us your situation

Answer a few quick questions about your property goals, income, and preferences. Under 3 minutes.

2
🤖

AI scans the market

Our engine analyses live rates from 40+ banks, credit unions, and non-bank lenders to find your best options.

3
🤝

Get connected fast

We connect you with pre-vetted brokers or lenders suited to your profile. Compare, decide, and save.

See what you could be paying

Adjust the sliders to estimate your monthly repayments and see how much you could save by switching to a better rate.

Loan Amount $600,000
$100K$3M
Interest Rate (p.a.) 5.89%
3.50%9.00%
Loan Term 30 years
5 yrs30 yrs
Repayment Type
Principal & Interest
Interest Only
Monthly Payment Comparison
Major bank avg (6.41%)
Non-bank avg (5.98%)
Your selected rate
Your estimated repayment
$3,531
per month · Principal & Interest
Total loan amount $600,000
Total interest paid
Total amount repaid
💰 Potential saving vs bank avg
Estimates are indicative only and based on standard calculations. Actual repayments vary based on lender fees, LVR, credit assessment and other factors. This is not financial advice.

We're not a bank.
We're on your side.

Real-time rate matching

Our AI pulls live rates across the market — not outdated tables — so your match is always current and competitive.

🇦🇺

Australian lenders only

Every lender and broker in our network is Australian-based and fully licensed with ASIC and MFAA/FBAA.

🔒

No credit impact

We never run a hard credit check. Your credit score stays safe until you choose to proceed with a lender.

💸

100% free for borrowers

RateChaserAI is completely free to use. We're paid by brokers and lenders when you settle — never by you.

5.64%
Best matched variable rate today
Major bank average6.41%
Non-bank average5.98%
RateChaserAI match5.64%
Potential 30-yr saving on $750K loan
$114,840
*Illustrative only. Based on $750K owner-occupier, 80% LVR, P&I, 30yr. Rates change daily.

What our customers say

★★★★★
"I'd been with my bank for 12 years assuming I was getting a good rate. RateChaserAI found me 0.75% lower in under an hour — nearly $200 a month back in my pocket."
TW
Tom W.
Brisbane, QLD
★★★★★
"Self-employed, I thought refinancing would be a nightmare. They matched me with a specialist broker and I settled in 3 weeks. Absolute game changer."
AP
Amelia P.
Melbourne, VIC
★★★★★
"As a first home buyer I had no idea what I was doing. RateChaserAI matched me with a brilliant broker who explained everything. Bought my first home last month!"
JK
Jake K.
Perth, WA

Ready to find a better rate? Takes 3 minutes.