2 mins — tell us about your loan
The basics: what you owe, current lender, what you're paying now. No paperwork, no credit check, no drama.
BeneYou Finance
Compare home loan rates from 5.94%
Smarter rate. Bigger savings. Zero jargon.
Whether you want to see if your home loan is still working for you, or get the best rate to buy your dream home — we can help. In about two minutes, in plain English, with a real person.
- 100% Free
- No obligation
- Real people, not bots
Rates from
5.94%
p.a. — Australia's most trusted lenders
No paperwork, no credit check, no drama — a rate check is a comparison, not a credit application.
Indicative advertised rate at time of publication. Rates change and depend on your loan and lending criteria.
How it works
Three steps. Two minutes of your time.
We check the market
Our finance people compare your loan against current rates and lenders — the same way we compare energy and health insurance, just with bigger numbers attached.
A real person calls you back
If there's a better deal out there, we'll explain it properly — face-to-face or online, whichever you'd rather. If there isn't, we'll tell you that too.
Meet our team of brokers
Our tech does the heavy lifting. Our people do the rest.
BeneYou technology handles getting you set up for a great comparison rate. But loans are personal, so our brokers and home loan experts are on hand — no question too big, too small, or too “probably a silly question.” (It isn't.)
MB
Our brokers
Home loan specialists
FP
The Finance People
Our finance partner
Why BeneYou
Built to save you money. Not to sell you something.
Independent comparison
We're not tied to one bank or one deal.
Backed by BeneGroup
The Australian technology group behind the BeneYou platform.
Privacy Act compliant
AES-256 encryption, no data sold, ever.
No pressure, ever
You'll get a straight answer, even if it's “you're already on a good deal.”
What people save
Most homeowners have no idea if they're overpaying.
Lenders reserve their sharpest rates for new customers — the longer you've held your loan, the more likely you're paying the loyalty tax. A rate check tells you where you stand in about two minutes.
$1,000–$2,500
indicative yearly saving from closing a 0.2–0.5 p.p. rate gap on a $500k variable loan
Based on the gap between average outstanding variable rates and the lowest advertised rates in the RBA's published lenders' interest rates data. Your actual saving depends on your loan size, rate and lender.
Free rate check
Let's find out where you stand.
Two minutes now could save you thousands later.
FAQ
Home loans — questions answered
Ready to see if you're overpaying?
A free rate check takes two minutes and doesn't touch your credit score.