Our latest Rate Breach alert saved one client $16,490 in one year.
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Don't let your home loan break the bank.

RateTracker monitors your home loan interest rate every 30 days, so you know you're getting the best rate.

SIGN UP for free
SEE how it works
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What is ratetracker?

RateTracker is an interest rate tracking service, using technology to securely monitor and correct high interest rates on your behalf.

how it works
$
1.42
m
saved by refinancing
$
76
k
saved in interest since feb 2021
$
3,489
Average amount overpayed per year
$
0
Fees to use RateTracker

RateTracker is an interest rate tracking service, using technology to securely monitor and correct high interest rates on your behalf.

A two storey house, with a green car parked out frontA graphic of a text message received from RateTracker that says "Hey John, Rate Tracker has identified a “Rate Breach” on your loan account Smith Home Loan. You don’t have to do anything just yet, the customer care team are jumping on the phone to renegotiate with your bank for you. If we don’t have any luck, we’ll be in touch to discuss your options. We look forward to chatting again soon. The RateTracker Team"

Your home loan on autopilot.

We use real-time interest rate monitoring technology to review your loan every 30 days, notifying you if your rate goes above a set standard.

How it works

Comprehensive coverage.

We capture and compare data from the whole market – that means rates from hundreds of Australian banks.

read the faqs
A new modern house at dusk with lights on inside.A grid of 9 Australian bank logos
An image of a man at an outdoor table, looking at his phone.A graphic element that shows the Yodlee Logo

Secure technology.

We partner with your bank using Open Banking. This new technology allows us access to only your interest rate, all the rest of your personal data is secure. 

security

How it works.

1

Sync your loan data with our system.

Our secure process means connecting is easy to do and take just a few minutes.

SECURITY

2

Rates tracked every 30 days.

Your home loan review is on auto pilot; you'll be notified in the case of a Rate Breach.

READ FAQS

3

We'll contact the bank on your behalf.

We do all the hard work for you, negotiating a better rate with your bank. Easy.

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Calculator lives here.
Demo lives here.
Man on phone walking up stairs
Woman at a table with laptop and phone in hand.
is ratetracker secure?

RateTracker uses globally recognised technology to protect your data. Got more questions? Read the FAQs.

read faqs
5 star rating
"
Rate Tracker is an exceptional tool to keep lenders honest with their rates. Game changing disruptor here.
"
Leigh Moulden
5 star rating
"
I signed up for RateTracker early this year as part of settlement on a couple of home loans. I have managed to save over $4k on my annual interest repayments.
"
Marco B
5 star rating
"
Rate Tracker saved us $$$$ off our home loan. The process of changing banks was seamless, and without Rate Tracker would never had known this was an option.
"
Michael Colman
5 star rating
"
Rate tracker saved me from getting over charged on interest on all my home loans. Really adding up now. Highly recommend. Wouldn't get another loan without it!
"
Joshua Summers

News and Updates.

ALL NEWS
Industry Updates
18.10.21
How Might The Recent APRA Lending Changes Affect You?

How Might The Recent APRA Lending Changes Affect You?

Borrowers will face changed lending criteria as of 2022 to curb rising house prices.

Read More
Industry Updates
17.10.21
Will Opening Australian Borders Increase House Prices?

Will Opening Australian Borders Increase House Prices?

We look at the revised house price growth numbers for 2022

Read More

Connect to RateTracker.

Start tracking your interest rate today. It takes just a few minutes to connect.

SIGN UP for free
contact our team
Disclaimer: Rate Tracker is provided and managed by My Mortgage Freedom Pty Ltd ACN 154 046 965, Australian Credit Licence 473797. The products compared in the Rate Tracker tool are chosen from a range of lenders available to us and are not representative of all the products available in the market. The Rate Tracker tool sends automated messages to its users when a lower rate is identified.

A representative of Rate Tracker will not necessarily contact you to notify you when a lower rate is identified. While every attempt will be made to notify you of the existence of a lower rate, we recommend that you contact us upon receipt of an automated message from Rate Tracker. We are not liable for any loss, damage, breach, or breach of contract, arising out of use of, or in connection with, the Rate Tracker tool.

Information on our website and in the Rate Tracker tool are general in nature, and any data or commentary constitutes general advice only. It has been prepared without taking into account any person’s objectives, financial situation or needs.Before acting on this information, we recommend that you consider whether it is appropriate for your circumstances. We recommend that you seek independent legal, financial, and taxation advice before acting on any information on our website and in the Rate Tracker tool.