Open.
Live: $550Mil in home loans being monitored

Is your home loan rate still competitive?

Banks often save sharper rates for new customers. Add your loan details in 1 minute and we’ll check whether there may be a better deal worth acting on.

Check my loan in 1 minute

Avg. $2,898 interest savings first year

Westpac
CommBank
Macquarie
AMP
ING
Bendigo Bank
ME Bank
Bankwest
Bank of Melbourne
No credit score effect
ASIC Registered / ABN 52 634 787 390
Licensed Mortgage Broker / CRN 541597
The numbers

Stop paying too much

Banks often give better rates to new customers than existing ones. 

$2,898

Average annual saving for Open customers who refinanced

Based on Open customer data, 2025

Over $100M in home loans funded
4.9/5 from 200+ Google reviews
Check my loan (1 min)

Free for 12 months, then $9/month. No credit card needed.

How it works

Simple, set and forget.

1

 Add your loan details

 Takes about 1 minute. No credit check.

2

We track your rate

We check whether your loan may be behind the market. We'll notify you only when is truly useful. No unwanted calls or spam. You can unsubscribe at any time.

3

You stay in control

If there’s a better deal, we can help you negotiate or switch.

Built for busy homeowners

Built to run in the background

24/7

We monitor in the background

We scan the market daily and let you know when there may be a better deal.

NO OBLIGATION

You only hear from us when it's worth it

You can unsubscribe anytime. We'll only contact you when there's something worth acting on.

FAST SWITCHING

You choose what happens next

If your bank won't match a better rate, we can help you apply to switch in as little as 15 minutes.

Check my loan (1min)

Free for 12 months, then $9/month. No credit card needed.

Vanessa Hewitt
Vanessa Hewitt
1 year agoonGoogle

Fantastic service from Sion, Katrina and the team. Highly recommended

Lil Tanner
Lil Tanner
1 year agoonGoogle

My husband and I had the best experience dealing with Katrina, Sion and Ben. They made our refinancing so stress free and easy. Would definitely recommend.

Natasha Perera
Natasha Perera
1 year agoonGoogle

Open Home Loan is an amazing company to work with. Their team really get to know you and help you at every step. My process was super smooth, and communication was great. Highly recommend the team at Open.

Danella Chalmers
Danella Chalmers
1 year agoonGoogle

The team at Open Home Loans were fantastic to work with. As first home buyers we were extremely nervous and unsure about the whole process. We felt very well informed and looked after by the whole team, especially Sion and Ben who were extremely friendly and pleasant to deal with throughout the whole process. I would highly recommend them to anyone looking for an honest and trustworthy mortgage broker.

FAQs

No. Checking your loan with Auto Negotiator does not affect your credit score. We don't run a credit check when you submit your details.

We'll check your current loan against the market. If there may be a better deal worth looking at, we'll let you know. If your current rate is already competitive, we'll keep monitoring the market for you in the background. We'll only contact you about your loan check or if there may be a better deal worth acting on — we may send an SMS or email, but there's no obligation to act. And if your rate already looks competitive, that's a good outcome — we'll keep checking the market for you so you don't have to.

Free for the first 12 months, then $9/month. No credit card needed to get started.

Check my loan in 1 minute

Free for 12 months, then $9/month. No credit card needed.