Your home loan,
simplified.

Your trusted partner in Australia’s home loan market, helping with new and existing loans.

5/5 from over 22 reviews

Your trusted partner in Australia’s home loan market, helping with new and existing loans.

5/5 from over 22 reviews

Check your home loan rates competitiveness

Check my rate

Tailored loan solutions for every stage of life

Residential Home Loans

Find the perfect loan for your dream home. We compare options to secure the best rates and terms tailored to your needs.
Enquire now

Refinancing

Looking for a better deal? Refinance your existing loan to lower your interest rate, reduce repayments, or access equity.
Enquire now

Commercial Loans

Expand your business with the right financing. We help you secure competitive loans for office spaces, warehouses, and more.
Enquire now

Business Loans

Fuel your business growth with tailored loan solutions. Whether for cash flow, equipment, or expansion, we’ve got you covered.
Enquire now

Car Loans

Drive away with the best financing. Compare loan options to find an affordable way to purchase your next vehicle.
Enquire now

Self-Employed Loans

Self-employed? No problem! We offer flexible lending solutions designed for business owners and freelancers.
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Reverse Mortgages

Turn your home equity into financial freedom. Access funds while continuing to live in your home.
Enquire now

Private Loans

Need quick funding? Private loans offer fast approvals and flexible terms to suit your financial needs.
Enquire now

A message from
our Founder: Why CheckMyRate?

“Empowering Your Financial Decisions”

Brandon Ngadino
CEO & Founder

Why Trust CheckMyRate?

Expert Brokers, Smarter Choices

Our brokers stay on top of market trends, interest rate movements and bank policy, so you don’t have to. They regularly update CheckMyRate’s competitive tool, giving you real-time insights into how your home loan stacks up and whether it's time to switch.

Client-сentric approach

Getting a loan should be simple, not stressful. We prioritise transparency, personalised service, and expert guidance. Whether you're refinancing, buying your first home, or seeking a business loan.

A Long-Term Financial Partner

We do more than secure loans, we help you build a stronger financial future. With ongoing support, refinancing options and market insights, we keep your loan competitive and your goals on track.

Making Loans Simple See What Others Say

Brandon made buying our home seamless! He has great attention to detail and made the process super smooth. He provides a holistic approach that considers future plans and goals. Highly recommend!
Y
Yasmine Bryant
June, 2025 via Google
Dealing with Brandon for our home loan was effortless. His attention to detail and dedication took the stress completely away. CheckMyRate is a great addition to know my loan has a competitive rate. Would recommend!
A
Andrew Tathem
June, 2025 via Google
Brandon went above and beyond to make sure I had the right loan, making sure that it was approved and set up quickly. He kept me updated throughout so I always knew what to expect and when. And he’s nice bloke too!
J
James McMaster
June, 2025 via Google
Brandon was fantastic during my property purchase. I got great service and a competitive rate. Brandon was very responsive to messages and always took the time to explain every detail. Highly recommended.
G
Grainne Tierney
June, 2025 via Google
My partner and I recently purchased our first home and Brandon was there every step the way. His professionalism and expertise was one of the highlights of process. Would highly recommend him to anyone who needs a broker.
M
Max Cunnington
April, 2025 via Google
Brandon is very professional, makes an effort to keep clients up to date, and provide the best possible solutions for the client. Top notch service.
N
Nicholas S
April, 2025 via Google
Will definitely be using Brandon again for any future loans.
M
Michael
April, 2025 via Google
I can’t recommend Brandon enough! He recently helped me secure financing for my new home, and the entire process was smooth and stress-free. From the beginning, he was professional, knowledgeable, and always available to answer any questions I had. He went above and beyond to find the best mortgage option for me, explaining everything clearly along the way. His dedication and expertise made what could have been a stressful experience feel easy. If you’re looking for a mortgage broker who truly cares about his clients, Brandon is the one to call!
H
Haiqal Halid
March, 2025 via Google
Super easy service to use, really helped choosing a provider
E
Ethan Sumich
March, 2025 via Google
Absolutely fantastic service! The process of comparing rates was quick and seamless. The team is very knowledgeable and guided me through every step, and was able to offer the best options based on my situation.
D
Darren Chou
April, 2025 via Google
Got recommended this service and was very happy with the experience. Brandon was very professional, understanding and honest throughout the whole process. Highly recommend this service!!
J
James Flynn
March, 2025 via Google
Super easy and incredibly helpful when comparing my home loan!
C
Chris Uttam
March, 2025 via Google
Best customer service I’ve experienced in a long time. No matter what time of the day I could reach out for help and was given timely advice. This was my first time refinancing and I will be using them again! Recommend to everyone!!
A
Andrew Porteous
March, 2025 via Google
Brandon is a cut above the rest. Always available and eager to help. I highly recommend his services to anyone in the market for their next purchase. Than you so much Brandon, you have made my family and I very happy in our new home!
J
Jonte Oneil
March, 2025 via Google
I reached out for a business loan to help with acquiring another company. The team was fast, supportive, and made the process seamless. Highly recommend them and will be contacting them to refinance my home in the future!
J
Jung Chang
March, 2025 via Google

Frequently Asked Questions

Find answers to common questions to help you make an informed decision and take control of your finances.

How does it work?

CheckMyRate is a simple and free tool that helps Australian homeowners determine if their home loan rate is competitive or not. By completing our quick questionnaire, our system instantly compares your current rate with the latest competitive market rates. If your rate isn’t competitive, simply connect with one of our local brokers to explore your options and secure a better deal.

Does it cost?

No, CheckMyRate is completely free to use. Our goal is to provide Australian homeowners with transparency about their home loans without any obligation or hidden fees.

How do you know what the best rates are?

Our variable rate ranges are regularly updated by experienced mortgage brokers based on real-time market insights. Since over 75% of home loans are broker-introduced, our team of brokers are across lender trends, continuously monitoring rate movements and lending policies to ensure accuracy.

What services do you provide?

CheckMyRate offers a full range of credit-related services, including:
  • Home Loans (New & Refinancing)
  • Car & Asset Finance
  • Business & Commercial Loans
  • Personal Loans
  • Debt Consolidation
If you need finance, we have solutions tailored to your needs.

What happens if my rate isn’t competitive?

If your rate isn’t competitive, you can easily connect with a local broker who will guide you through your options to find a more competitive loan. This could include refinancing with a lender offering lower rates, negotiating a better rate with your current lender, or exploring other lending options that suit your financial goals. Our expert mortgage brokers are available to guide you through the process.

I need help with my home loan

Lost, confused or unsure where to start? Just fill out the form, and we’ll be in touch to guide you through the process. Loans shouldn’t be stressful, let us handle the hard work for you.

Educate Yourself with CheckMyRate

cmr-application-guide
Home Loans

Your Home Loan Journey, Simplified with CheckMyRate

Home Loans

Fixed vs. Variable Home Loans: Which One is Right for You?

checkmyrate-refinance
Refinance

Save Smarter: When Refinancing Can Work in Your Favour

Let’s find the right loan for you

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