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Smarter Home Loans. Bigger Savings.

Lowest Rates. Fast Approvals. Stress-Free Mortgages.

Your dream home is closer than you think — let’s make it happen.

Compare 50+ lenders | Save thousands | Expert support every step

Get My Free Home Loan Assessment

Dreaming of Your Own Home? We'll Make It Happen.

Whether you’re a first-time buyer, savvy upgrader, or refinancing to a better deal — Lower My Rate is your trusted partner for smarter, faster, cheaper home loans across Australia.

We work for you — not the banks — and compare over 50 lenders to deliver a loan that’s built around your needs, not someone else’s checklist.

We don’t just find loans. We find loans that fit your life.

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Features

  • Rates from as low as 5.80% p.a. (Comparison rate 6.10% p.a.)*
  • Flexible terms — 10, 15, 20, 25, or 30 years — you choose
  • Fixed, variable, or split loan options to suit your strategy
  • Exclusive lender offers you won’t find online yourself
  • Access to 50+ top lenders (and their best-kept secrets!)
  • Offset accounts & redraw facilities — because flexibility matters
  • Fast-track pre-approvals — ready for auctions and quick buys
  • Dedicated mortgage specialists who speak human, not jargon
We don’t just find loans. We find loans that fit your life.
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Who We Help

First Home Buyers

We’ll walk you through grants, schemes, and approvals.

Refinancers

Slash your current rate and save thousands.

Upgraders

Find a bigger, better, smarter mortgage deal.

Investors

Maximise returns with smarter structuring.

Are You Eligible for a Home Loan?

You’re closer than you think! You may qualify if you:
  • Are an Australian citizen or permanent resident
  • Are 18 years or older
  • Have a stable job and income (even if you're self-employed)
  • Have a 5% to 20% deposit (or more)
  • Have a clean credit history (some lenders allow minor blemishes!)
Pro tip: Haven’t saved 20% yet? We can help you explore LMI options (Lenders Mortgage Insurance) or government low-deposit schemes.
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What Happens Next?

01

Quick Chat
Tell us about your goals in 5 minutes.

02

Loan Match
We’ll scan hundreds of deals and shortlist the best ones.

03

Application Support
From paperwork to settlement — we’ve got your back.

04

Move In Faster
With the right loan, you’re one step closer to the keys.

Step 1

Quick Chat

Tell us about your goals in 5 minutes.

Step 2

Loan Match

We’ll scan hundreds of deals and shortlist the best ones.

Step 3

Application Support

From paperwork to settlement — we’ve got your back.

Step 4

Move In Faster

With the right loan, you’re one step closer to the keys.

At Lower My Rate, we turn mortgage headaches into mortgage wins.

Bonus Perks When You Refinance or Buy with Us:

  • Access hidden cashback offers ($2,000 to $5,000 from select lenders!)
  • Help setting up your Offset Account to turbocharge savings
  • Loan health checks every year — we don’t just disappear after settlement
  • Negotiation support — we'll haggle for you (so you don't have to)
Disclaimer: Rates are current as of April 2025 and subject to lender terms, market changes, and individual assessment. Speak to our experts for tailored quotes.
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Ready to Lower Your Rate and Raise Your Future?

Don’t settle for an average mortgage. Compare, save, and move smarter with Lower My
Rate.

I Want To Refinance
I Want To Buy A Home

Steps to Get a Home Loan

Step 1

Check Eligibility
Use our handy eligibility calculator to estimate how much you can borrow.

Step 2

Fill in the Application Form
Submit your details via our online or in-person application form.

Step 3

Submit Required Documents
Provide ID proof, proof of income, bank statements, and property information.

Step 4

Loan Processing
We conduct verifications, run credit assessments, and evaluate the property.

Step 5

Get Loan Approval
Once verified, we’ll issue a sanction letter confirming your loan approval.

Step 6

Sign the Agreement
Review and sign your home loan agreement with full transparency.

Step 7

Disbursement of Funds
The approved loan amount is transferred directly to the seller or builder.

What Our Clients say

Lower My Rate made everything so easy! They found me a home loan with a lower rate, helped with paperwork, and kept me updated at every step. I moved into my first home stress-free!

Sarah T., Sydney

I refinanced my loan through Lower My Rate and saved over $15,000 in interest over 5 years. Highly recommend their team!

James W., Brisbane

Lower My Rate made everything so easy! They found me a home loan with a lower rate, helped with paperwork, and kept me updated at every step. I moved into my first home stress-free!

Sarah T., Sydney

I refinanced my loan through Lower My Rate and saved over $15,000 in interest over 5 years. Highly recommend their team!

James W., Brisbane