Home Loan Health Check.

Enter what you owe and what you’re paying. You’ll see how your rates compare against the benchmark rates below — and what you’re paying each month right now.

Benchmark rates used here

Owner-occupied P&I

5.95%

Investment P&I

6.04%

Investment interest-only

6.24%

Current as at 1 September 2026. These are interest rates, not comparison rates. A comparison rate includes fees and charges, so the rates you are offered may differ. Benchmark rates are indicative and typically assume a lower loan-to-value ratio; your own achievable rate depends on your LVR, credit profile and individual lender policy.