Helping Australians make informed financial decisions since 2025
Interest-Rates.au was created with a simple but important mission: to help everyday Australians understand how interest rates affect their finances and make better-informed decisions about their money.
For many Australians, interest rates can feel like a complex and confusing topic. The Reserve Bank of Australia meets regularly to set the cash rate, banks adjust their lending and savings rates, and it can be difficult to understand what it all means for your mortgage, your savings, or your financial future.
We believe that financial literacy should be accessible to everyone. That's why we've created a resource that breaks down complex interest rate information into clear, understandable content that anyone can use to make smarter financial choices.
We track and display the current RBA cash rate, along with representative home loan rates and savings account rates from across the Australian market. While rates change frequently and you should always verify current rates with specific lenders, our site gives you a solid starting point for understanding the interest rate landscape.
Our free loan repayment calculator helps you estimate monthly repayments, total interest costs, and the overall amount you'll pay on a home loan. It's a valuable planning tool that can help you understand how different loan amounts, interest rates, and loan terms affect your potential repayments. Try our calculator now.
Our blog features in-depth articles on topics like how the RBA cash rate affects mortgages, the differences between fixed and variable loans, strategies for maximizing savings returns, and guides for first-home buyers and property investors. We write content that's informative, practical, and relevant to Australian borrowers and savers. Explore our blog.
We provide comparative information about different types of home loans (variable, fixed, investment) and savings products (high-interest accounts, standard savings, term deposits). This helps you understand what's available in the market and what features might be most important for your situation.
We strive to provide accurate, up-to-date information. We source our data from reliable sources including the Reserve Bank of Australia and major financial institutions.
We explain complex financial concepts in plain language. No jargon, no confusing terminology - just clear information that helps you understand your options.
We provide general educational information rather than specific product recommendations. We're not affiliated with any particular bank or lender.
All our tools and information are free to access. We believe everyone deserves access to quality financial education, regardless of their circumstances.
While we strive to provide helpful and accurate information, Interest-Rates.au is an educational resource only. We are not licensed financial advisors, credit advisors, or mortgage brokers. The information on our website is general in nature and does not constitute personal financial advice.
Before making any financial decisions, we strongly encourage you to:
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Use our tools and resources to better understand Australian interest rates and make informed financial decisions.