home loan rate, mortgage rate, interest Rates
Compare and Find the best home loan and mortgage at lowest interest rates.
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Exceptional Service

Challenge My Rates is rated 4.9 stars on Facebook and 4.9 stars on Google

Holistic Approach

As one of Australia's leading mortgage broker groups, We take pride in assisting all borrowers from First Home Buyers and Owner Occupiers to seasoned Investors

Competitive Rates

We pride ourselves on being an holistic company, providing our clients access to an array of different resources including; A Justice of the Peace, Conveyancer, Accountant, Financial Planner, Property Investment Specialist, and the like.

Customised, expert advice


We understand each person is unique, and so are their needs. But we also understand nearly all of us, as Australians, share the dream of owning our own home. That is why we provide customised, tailor-made advice to help you achieve that dream. Talk to our experts and get the best advice for you and your family.

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Planning to buy your dream home?

With thousands of lenders out there, we know it can be a hard choice to decide on the best option for your first home. We will guide you through the journey of realising your dream home.



Challenge My Rates considers your decision to be the most important one when it comes to selecting a loan. After all, it is your home and you should have the ultimate decision.

Same goes for your home loan.

What we will do however, is provide you with all the information you need to make the best choice possible.


  • William
    Got my home loan through Challenge My Rates and it saved me 7000 dollars. With three Simple and easy steps, I saved my time and money. Extremely impressed and would recommend to my friends and families in the future.
  • Jack
    I am grateful to Challenge My Rates in getting my home. Easy, convenient and hassle-free steps made my life easier. Useful guys and I plan to use them in future. Highly recommendable.
  • Mason
    One of my friends recommended “Challenge My Rates” to me for my home loan, with their help I could get the lowest interest rates available and we could purchase our dream home. Overall great experience.
  • Charlie
    Availability outside of normal business hours is the thing I like about Challenge My Rates and the whole process was fast and clear. With a few simple steps I could get the lowest interest rates for my home loan. I was indeed happy with the whole process.


Win a $300 gift card



SIDA Pty Ltd as Trustee for SIDA Unit Trust trading as Challenge My Rates |ABN 59 856 512 639, 19 Rundle Street KENT TOWN SA 5067

 Promotional Period

Promotional Period

Start date: 23/11/2018 at 12:00 am SA time

End date: 30/11/2018 at 11:59 pm SA Time

Eligible entrants

Eligible entrants

Entry is only open to Australian residents who are 18 years and over.

How to win

How to win

To win this challenge you must have an eligible home loan* and Challenge my Rates must be unable to save you money (in comparison to your current repayments).

If you win

If you win

If you win, Challenge My Rates will post your gift card via Australia Post to your nominated residential address.

Terms & Conditions: 

  1. The entrant agrees and acknowledges that they have read these Conditions of entry and that entry into the Promotion is deemed to be acceptance of these conditions of entry.
  2. The Promotion commences on the Start Date and ends on the End Date ("Promotional Period").
  3. Eligible home loans are deemed as a variable rate home loan that is secured against a residential Australian property and meets normal lending criteria. Any of the following special conditions will make the home loan ineligible for this promotion:-
    1. Honeymoon rate
    2. Introduction offer
    3. Fixed interest rate
    4. Special home loans including Aboriginal loans, Defence loans, Staff loans, Student loans, Reverse Mortgages
    5. Medico loans
    6. Guarantor home loans
    7. Injunctions on a property including Caveats, Second mortgages and Encumbrances
    8. Construction loans
    9. Home loans in conjunction with business lending