Comparison Rate Calculator
See the true cost of your loan. Comparison rate includes interest plus fees, making it easy to compare offers fairly.
ⓘ Disclaimer: This comparison rate estimate is based on typical fees and standard assumptions ($150,000 loan, 25-year term). Actual comparison rates vary by loan amount, term, lender fees, and your circumstances. Confirm your actual comparison rate with your chosen lender before applying.
Comparison Rate
Advertised Rate
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Comparison Rate
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Difference
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Enter loan details to calculate comparison rate
Frequently Asked
Comparison rate includes advertised interest rate plus typical fees. It shows the true annual cost of borrowing, making it easier to compare loan offers fairly.
A 5.5% rate with $3,000 fees may cost more than 5.6% with $500 fees. Comparison rate reveals the true cost, not just advertised numbers.
Origination, valuation, settlement, title search, title registration, LMI (if applicable), and first year annual account fees.
Comparison rate is indicative. Your actual rate varies based on loan amount, term, your circumstances, and specific lender fees.