Diagnostics
We read your loan like a car on a dyno and show you exactly where you're paying too much.
Your home loan, tuned.
Refinance, invest or buy your next home. Tell us where you're at and our lending team will find you a sharper rate.
Built by finance insiders. No obligation, and no credit check to chat.
The Rate Engine offer
$1,000 cashback on loans of $1M or more
Refinance or take out a new loan of $1 million or more with us and we'll pay you an extra $1,000, on top of any lender cashback.
Offer applies to new loans and refinances of $1,000,000 or more, arranged through Rate Engine and settled from [start date]. $500 is paid within [X] days of settlement and $500 within [X] days of the loan's 12-month anniversary, provided the loan is still active and has not been refinanced or repaid. One payment per loan. [Full terms and conditions.] Subject to lender approval.
Sharp variable rates across our panel
Position
Lender type
Rate
P1
Customer-owned bank
6.39% p.a.
P2
Tier 2 bank
6.44% p.a.
P3
Online bank
6.49% p.a.
P4
Big four bank
6.57% p.a.
P5
Non-bank lender
6.84% p.a.
*Disclaimer: rates are based on your personal situation and the time we run the analysis. Rates shown were run on 31 October 2026 for an investment loan scenario (principal and interest, package product, 70% LVR), show one sample rate per lender type and may have changed since. All loans are subject to lender approval, and not every lender will suit every borrower. Book a call for rates on your situation.
30+
lenders on our panel
3 lanes
tune up, fuel up or just talk it through
24 hrs
to your Tune-Up after the call
4.9
Google rating from 50+ reviews
Three lanes. Pick yours.
Three ways to work with us. Every one starts with a call.
Lane 1
Tune-Up
Already have a loan? We check your rate against our lender panel, show you your equity and the sharper options, then keep an eye on it for you.
Lane 2
Fuel Up
Investing? We work out how much more you can borrow and line up the lenders that suit your portfolio.
Lane 3
Pit Lane
Not sure where to start? Book a call and we'll run the numbers with you.
What's under the bonnet
Tune-Up
We check your loan against our lender panel and show you the sharper options, in dollars.
Paperwork, sorted
Send your documents once. We handle the application and chase the lender so you don't have to.
Rate Watch
After settlement we keep watching. If your rate drifts, you hear from us first.
Rate Engine or your bank?
Rate Engine
Going to your bank
Lenders checked
30+
1
Legally required to act in your best interests
Yes
No
Time to an answer
Within 24 hours of your call
Book a branch appointment
Watches your rate after settlement
Yes, every month
Up to you to ask
Cost to you
Nothing. Plus $1k cashback on loans of $1M+, on top of any lender cashback
No fee
Built for every kind of home loan
RefinanceMove to a sharper rate without the hassle.First home buyersDeposit, grants and borrowing power, sorted.Investment loansStructured for your next property and the one after.Self-employedLenders who understand business income.Construction loansFunding that keeps pace with the build.Bridging loansBuy the next place before you sell this one.
Built by finance insiders
We've sat on the adviser's side of the desk. We know how lenders price loans and why loyal customers end up on worse rates. Rate Engine puts that knowledge to work for you.
Nikhil and Ahijith also founded Handle Properties and Handle Finance. Read our story
Nikhil Sreedhar
Co-founder. Former financial planner; Macquarie Bank, stockbroking and wealth management.
Ahijith Chandra
Co-founder. Former venture capital investor, growth at Plenti and fintechs, and current mortgage broker.
What clients say
Straight answers
Will talking to you affect my credit score?
No. A call and a quote don't touch your credit file. A credit check only happens if you decide to apply, and we tell you before it does.
What does it cost me?
We don't charge you anything. In fact, on loans of $1M or more we give you $1,000 cashback on top of whatever the lender gives you. Lenders pay us a commission when your loan settles, and we disclose it in full in our credit guide.
Which lenders do you compare?
We compare 30+ lenders on our panel, including the big four, tier 2 banks, customer-owned banks, online banks and non-bank lenders.
How long does a refinance take?
Usually a few weeks from application to settlement, depending on the lender. Your Tune-Up includes an expected timeline.
Are you a bank?
No. Rate Engine is a mortgage broker. We compare home loans across many lenders and are required by law to act in your best interests.
I own several investment properties. Can you help?
Yes. Simple investment loans run through Rate Engine. For larger portfolios we bring in our advisory team for a full strategy.
Do you help me buy properties?
Yes. Our sister business, Handle Properties, is a buyer's agency that helps clients find and secure high-growth investment properties across Australia. See www.handle.properties.
Find out what your loan should cost
Book a call. We'll run the numbers with you, no obligation.
Book a call