Monitor and track your interest rate.

A free, secure service that uses Open Banking and AI to monitor Australian interest rates. Get notified if you're paying too much.

Calculate your savings

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Kirstyn & Rob saved $7,695
/
Jessica got $4,711 back in interest
/
Nazia just got $2,323 back
/
Andrew saved $7,144 in interest
/
Kathryn just saved $2,391 in interest
/
Di & Shaun saved $900
/

As seen in

We were tired of banks letting down our clients, so we decided to do something about it.

RateTracker is a free, secure service that monitors your interest rate and uses AI to automatically detects if you're paying more than you should.

What People Say

RateTracker has evolved.

Thanks to the evolution of AI - Rate Tracker will now alert you when switching will save you $2,000, or more, per annum.

Sign up for free

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A 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.

Comprehensive coverage.

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

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A grid of 9 Australian bank logos

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.

Reviews

What people say.

"Secure, simple, seamless."

Hear what Anthony has to say.

Calculate your savings

"The perfect time management tool."

Hear what Leigh has to say.

Calculate your savings

Calculate your savings. Then put them on autopilot.

Market rates are constantly changing, use this calculator to see how much you could save. Below are current recommended market rates for different kinds of loans.

RECOMMENDED RATES - Owner Occupied
Principal and Interest = 5.89%
Interest Only = 6.25%

RECOMMENDED RATES - investment
Principal and Interest = 6.04%
Interest Only = 6.25%

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Estimated Repayments

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Total Lifetime Savings

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14

Years

6%

5%

*WE ASSUME A TERMINATION FEE OF $365 FOR THE EXISTING LOAN, AN APPLICATION FEE OF $365 FOR THE NEW LOAN AND THAT BOTH LOANS HAVE A $10 MONTHLY FEE. THIS CALCULATION DOES NOT TAKE INTO ACCOUNT AN INTRODUCTORY RATE, OR WHETHER THE LOAN TYPE IS INVESTMENT OR OWNER OCCUPIER. FOR MORE ACCURATE FIGURES, PLEASE CONTACT YOUR BANK OR MORTGAGE BROKER.

$

3.5

m

saved by refinancing since March 2020

$

790

k

saved in interest since SEP 2021

$

2,829

Average amount OVERPAID per year

$

0

Fees to use RateTracker

How it works.

1

Secure sync.

Our safe and secure syncing process means connecting is easy and takes just a few minutes.

2

Track your rates.

Your home loan review is on auto pilot. You'll be notified when there is a rate breach.

3

Contact the bank.

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

Industry Updates

Why Are Aussies Still Buying Property in 2025? (We're Going Live to Find Out)

📅 Despite a swam of rate hikes, cost-of-living chaos, and a market that’s supposedly “due for a correction,” Australians are still piling into property. So what gives?

Industry Updates

Fixed Rates Down, Chaos Up: October’s Interest Rate Paradox

Fixed Rates in Australia are coming down, but the larger financial market is still ironing its creases from what’s been a very chaotic period.