See what the data says about your home loan — based on your numbers, not ours.
If you have a split loan (part fixed, part variable) run the diagnostic separately for each portion.
Fixed rate loans may have significant break costs to exit early — sometimes $5,000 to $20,000 or more. Contact your lender for your exact break cost and add it to your switching costs below before running this diagnostic.
We are not paid by any lender. No commissions. No referral fees. Ever.
See exactly which lender saves you the most — ranked by net benefit to you. Includes your lifetime interest saving, full lender table, offset eligibility, cashback offers and next steps.
Based on your inputs, switching lenders doesn't make financial sense right now. We will never charge you for that answer — it's what being on your side means.
These results are ranked by what is best for you — not by who pays us the most.
Loan Terminal does not accept commissions or referral fees from any lender.
| # | Lender / Product | Effective Rate (incl. fees) | Cashback | vs Your Rate | Monthly Payment | Total () | Offset | Verdict |
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Some lenders do not offer offset accounts. If your offset balance is significant, factor this into your decision.
Rates sourced directly from lender websites and last verified 28 April 2026. Effective rates include advertised annual package fees. Cashback offers subject to lender eligibility criteria. LMI costs not included — obtain a quote from your lender if LVR exceeds 80%. Calculations are estimates only. Fixed rate break costs not included — contact your lender for exact figures. Loan Terminal does not accept commissions or referral fees from any lender. General information only — not personal financial advice. Always verify current rates, fees and eligibility directly with lenders before making any decision.
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Enter your loan balance, current rate, offset balance and property value. Takes less than 60 seconds.
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Our diagnostic calculates your exact saving, breakeven point and net benefit compared to the best available rates in the market.
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If there is a saving, unlock the full lender report for $29. If the answer is stay put, that result is always free.
Email: loanterminalau@gmail.com
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We aim to respond to all enquiries within 24 hours.
Running the diagnostic and seeing your verdict is completely free. If your result shows a saving, you can unlock the full lender comparison report for $29. If your result is Stay Put — meaning switching does not make financial sense right now — that result is always free. We will never charge you for telling you to do nothing.
Comparison sites like Finder and Canstar are paid by lenders through referral fees and commissions. That means their results are influenced by who pays them the most. Loan Terminal does not accept commissions or referral fees from any lender. Ever. We are paid directly by you, which means our only incentive is to give you an accurate, unbiased result.
Rates are sourced directly from lender websites and verified weekly. We display the date rates were last verified on every results page. Rates change frequently — always confirm the current rate directly with the lender before making any decision.
No account required. Simply enter your loan details and run the diagnostic. Your data is used only to generate your result and is never shared with any lender or third party.
No. The Loan Terminal diagnostic does not perform a credit check and will not affect your credit score in any way.
No. Loan Terminal provides general information only — not personal financial advice. We do not hold an Australian Financial Services Licence. The diagnostic is an analytical tool to help you understand your options. Always consult a licensed financial adviser before making major financial decisions.
Loan Terminal was built because we were frustrated by a mortgage market where every tool, comparison site, and adviser is paid by lenders — not borrowers. We built the tool we wished existed: independent analysis, no commissions, no referral fees. Ever. We are paid by you, which means our only job is to tell you the truth about your home loan.
Loan Terminal collects only the information you provide when using the diagnostic tool. This information is used solely to generate your results and is never sold, shared with lenders, or passed to any third party.
We do not store your financial data beyond your current session. We use industry-standard security practices to protect any information you submit. By using Loan Terminal you consent to this policy.
For questions about your privacy, contact us at loanterminalau@gmail.com.
Loan Terminal provides general information only and does not constitute personal financial advice. We do not hold an Australian Financial Services Licence (AFSL) and are not authorised to provide personal financial product advice.
The diagnostic results are based on the information you provide and publicly available rate data. Rates are verified weekly but change frequently — always confirm the current rate directly with the lender before making any decision.
Always consult a licensed financial adviser before making major financial decisions. Loan Terminal ABN 78 622 807 609.