Azure Home Loans · Australia
How to check your home loan interest rate in Australia
Read the interest rate on your latest statement or in internet banking — not the comparison rate. Enter that rate, the balance and the years left in the Azure Home Loans rate check. You see a yearly gap against eligible new-customer prints this brokerage can place. No credit check. Then ask your bank to review before you refinance.
Stay first. ASIC MoneySmart also says ask your current lender for a better deal before you switch. This tool names a print you can take to retention. A match is not guaranteed.
What to copy off the statement
- Interest rate you pay
- Balance owing
- Years left — do not reset the term to 30
- Owner-occupier or investment
- Principal and interest or interest only
- LVR, or loan amount ÷ your own valuation
- Offset balance, if any
Cited prints as at 19 Aug 2026
Owner-occupier, principal and interest. Not a ranking. Confirm on the lender page.
- ING Mortgage Simplifier 70-80% 6.04% · comparison rate 6.07%. CDR-matched. Do not quote the 5.99% ING band on an 80% file. Not Orange Advantage.
- IMB Budget Home Loan 70-80% 6.04% · comparison rate 6.07%. Held print. Do not quote the 5.99% IMB Budget band on an 80% file.
- Macquarie Bank Basic Home Loan 70-80% 6.09% · comparison rate 6.11%. Page and CDR. Do not quote the 6.04% ≤70% band on an 80% file. Not the Offset product.
Then what
If the gap is real, call the bank with the named product. If they will not get close, a refinance may suit after fees. Official guide: MoneySmart on switching.
Open the rate check · Main-site hub · Speak with a broker
Bishnu Adhikari — ACR 538895, authorised under ACL 390261 (Yellow Brick Road). General information only. Credit is subject to lender approval.