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Is my rate fair?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Three numbers. One answer.

Compared with today's listed starting rates (2026-10-17). Those are for the best borrowers, so up to 0.50% above is still fair.

Common questions

What is a fair home loan rate?

The rate lenders list today for borrowers with your score and loan size, plus a small margin for a long relationship. See the Rates page for the dated list.

Can I ask my lender for a lower rate?

Yes. Most lenders cut the rate on request for a small fee. Use the free letter on our downloads page.