Comparison rates explained: what they show—and what they don’t
A clear guide to interest rates, common fees and the assumptions behind the comparison rate.
Read the guide →MAKE YOUR MONEY MOVE
Practical comparison tools and plain-English guides for Australian loans, banking and insurance.
No sign-up required for this illustrative comparison.
COMPARE YOUR WAY
Explore a category, understand the trade-offs, then use our tools to estimate the numbers.
Compare owner-occupier, investor and refinance options with rates, fees and useful features side by side.
Compare home loans →Understand secured and unsecured borrowing, comparison rates and repayment flexibility.
Explore personal loans →Estimate repayments for new, used, electric and refinanced vehicle loans.
Explore car loans →Look beyond the headline rate and check bonus conditions, fees and access rules.
Explore savings →A BETTER WAY TO COMPARE
Fees, features, eligibility and flexibility all shape the real value of a financial product. Our framework keeps those details visible.
See our comparison principles →CALCULATE THE DIFFERENCE
Try a scenario. Results are estimates for general information, not a quote or credit offer.
Estimated monthly repayment
$3,046Based on 6.15% p.a. over 30 yearsEven a small rate difference can materially change the total cost over a long loan term.
LEARN BEFORE YOU CHOOSE
A clear guide to interest rates, common fees and the assumptions behind the comparison rate.
Read the guide →Five conditions to check before moving your emergency fund.
Read the guide →The trade-off between eligibility, cost and putting an asset at risk.
Read the guide →OUR APPROACH
FinScope is a demonstration comparison experience. We separate product facts from editorial guidance, show key assumptions and encourage users to check the lender’s current terms before deciding.