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Buy your dream home with all-time low rates.

Seeking loan approval for your first or next home? Get instant access to the same tools that brokers use to compare home loan rates across 30+ Australian lenders.

No annoying sign-ups or emails required to start comparing rates. Only when you’re ready, get qualified with us!

2.99% p.a Owners Occupied, P&I*
4.19% p.a Comparison Rate^

Using our forms do not affect your credit file

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$100M+ in loans settled
30+ Major Australian lenders
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Why buy a home?

Live in your own property

Own a home that is truly yours. Decorate it the way you want and create your very own space.

Build up equity over time

As your home increases in value and your loan size decreases, this creates more equity for you.

Future investment property

Create the ability to use your property as an investment to generate more cash flow.

Save towards something

Gives you a goal to save towards and a tonne of money over the long term.

3 Simple Steps

  1. Enter property details
  2. Review buying position
  3. Compare low rates
  4. Chat with us to see what suits your unique situation
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All-time low rates are waiting!

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Seeking the best rates for you

Rateseeker has access to all of Australia’s major banks and over 30 third-party lenders. Everyone has a unique situation and we’re here to help find the right home loan and interest rate to suit you.

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Customer Success Stories

I found the Rateseeker website both easy & helpful in finding suitable loans for me. I can say this is probably the easiest website that I have used in terms of navigation, clarity and results. In addition to this, the team behind Rateseeker are willing to assist customers like myself, and they do so in a timely manner – 5/5!

phil-alexander-testimonial Phil Alexander

Thank you for all the work you’ve done so far and staying transparent throughout the journey. I want to thank Nick, Jason and the team because it wouldn’t have been possible without your guidance. It’s a relief knowing that we have someone we can trust, who has our best interests in mind and who always delivers.

anne-thao-testimonial Anne Thao

My situation was complex as our house was refinanced, and we needed to buy land and get approval for a construction loan. Nick and his team went the extra mile for me by supporting me throughout the process with lenders and builders. I recommend Nick to everyone buying their first home or investment property.

ricardo-lopes-testimonial Ricardo Lopes

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FAQs about Buying a new Home

  • What Is The First Home Owners Grant?

    The first home owners grant is a government grant developed to assist eligible first home owners to purchase a new home or build their home by offering a grant.
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  • How Do I Apply For The First Home Owners Grant?

    Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.
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  • How much is this First Home Owner Grant?

    Each state has different rules and pays different grant amounts. The grant can vary from $5,000 in some states to $20,000 in others. In NSW, first home buyers purchasing a brand new first home will receive $10,000 first home owners grant up to a cost price of $750,000. States now require the property you purchase to be "brand new" to qualify for the first home owners grant.
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  • If my partner & I are both eligible for the first home owners grant, do we get it twice?

    No. When putting through an application, only one person in the application can be granted the FHOG. You also must make sure your partner hasn’t previously used or received the grant in Australia, as it may be denied.
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  • Can I Still get a home loan with a poor credit history?

    Eligibility for a home loan depends on many things, which includes your credit score. Your credit score is calculated by an assessment of how risky or trustworthy you are to possible lenders in regards to paying your loan back. Everyone's situation is different, and there are some lenders that will consider poor credit rating, defaults and even discharged bankrupt. Reach out to us if your credit history is of concern to you regarding a new home loan.
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  • When does settlement take place after I put a deposit down?

    The settlement date is usually listed on the contract of sale and this period varies by state and territory. This is important because there are different penalties if you do not settled by the agreed date, so make sure you check this before exchanging contracts. When the agreed settlement date arrives, you can pick up the keys to your new place!
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  • Does Rateseeker help with investments home loans?

    We sure do! Rateseeker has many major banks & non bank lenders to choose from to help achieve your property investment goals. Fill out our form and one of our affiliated brokers will get in touch with you to to work out how they can help.
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  • What is a Contract of Sale?

    The contract of sale is a legally binding document that you sign by you and the vendor (seller). This contract sets out the terms and conditions of the sale, as agreed to by you and the vendor. While the contract of sale becomes a legally binding document the moment you sign it, there may be a cooling-off period during which you can cancel the sale if you bought the property by private sale. This is generally negotiated before you sign the contract of sale. The cooling-off period does not apply to auctions.
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  • How much will I need for a deposit?

    Most lenders will usually require you to have a minimum 5% deposit of the purchase price plus a little extra to cover other costs such as stamp duty, legal fees and lender's fees. Now lenders have changed the required minimum deposit depending on other factors such as if it's an investment purchase and where the property is located. With constant changes with bank requirements, it is important to speak to a broker to work out what you really need.
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  • What you need to consider when buying a property?

    Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.
    Read More

  • What is a loan comparison rate?

    Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.
    Read More
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We’re experienced in finding the right home loan for you. Connect with one of our mortgage specialist for personalised help.

We appreciate your time enquiring with us. We’ll get in touch within the next 24 hours!

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Email: info@rateseeker.com.au
Phone: (02) 8006 8184
Address: Level 4,
171 Clarence St, Sydney NSW 2000

Any calculations or estimated savings do not constitute an offer of credit or a credit quote and are only an estimate of what you may be able to achieve based on the accuracy of the information provided. It doesn’t take into account any product features or any applicable fees.

*2.99% Interest rate based on an Owners Occupied, Principal and Interest, 3 years fixed period, minimum loan size of $300,000, maximum LVR of 80%, over a 30 year term. Eligibility subject to servicing requirements, contact one of our specialised mortgage brokers for more information.

^4.19% Comparison rate based on a loan of $150,000 over a 25 year term. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

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