Rates

Indicative pricing

Panel rates, refreshed every business morning.

Priced as of Updated September 3, 2026
Indicative mortgage rates by product, showing interest rate, annual percentage rate and discount points
Product Rate APR Points Enquire
30-year fixed 6.250% 6.412% 0.500 Ask about the 30-year fixed
15-year fixed 5.500% 5.742% 0.500 Ask about the 15-year fixed
7/1 adjustable 5.875% 6.104% 0.000 Ask about the 7/1 adjustable
FHA 30-year fixed 5.990% 6.885% 0.500 Ask about the FHA 30-year fixed
VA 30-year fixed 5.875% 6.201% 0.000 Ask about the VA 30-year fixed
Jumbo 30-year fixed 6.500% 6.588% 0.250 Ask about the Jumbo 30-year fixed

Example figures shown for demonstration. Rates assume a single-family primary residence, a 20 per cent deposit, a 740 credit score and a loan at or below the conforming limit, with the points indicated. Your own rate depends on credit, deposit, property type, occupancy and loan size. Advertised pricing may change without notice and is not a commitment to lend.

Before you speak to anyone

Work out the monthly number first.

Affordability is not a mystery. Move the four inputs below and the principal-and-interest figure updates as you go, so you arrive at the first call already knowing which price bracket is comfortable and which one is a stretch.

  • Principal and interest only. Taxes, insurance and any association dues sit on top.
  • A deposit under twenty per cent usually adds mortgage insurance to the monthly cost.
  • The rate you are offered depends on credit, deposit and property type. This is an estimate, not a quote.

Repayment estimator

Indicative
$80k$1.5m
3%50%
2.00%12.00%
5 yrs40 yrs
Monthly principal & interest
Loan amount
Total interest
Take these numbers to a broker

Figures are illustrative and assume a fixed rate held for the full term. They are not an offer of credit or a personalised recommendation.

Book a consultation

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No credit pull, no obligation, and an honest answer if a bank you already deal with would serve you better than we would.

  • Office 123 Maplewood Lane Apartment 4B
    Springfield, IL 62704 USA
  • Office hours Monday to Friday, 9am – 6pm CT
    Saturday by appointment