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Last updated 1 September 2020

RateCity Pty Ltd (AFSL & ACL 316710) is not a credit provider and does not provide personal financial advice or credit assistance.

Information on this site is general in nature, and any data, ratings or commentary constitutes general advice only, and does not take into account your individual investment objectives, financial circumstances or needs. Information provided on and available from this site does not constitute financial, taxation or other professional advice and should not be relied upon as such. The order of products displayed in tables should also not be interpreted as having any particular meaning or indicate a recommendation for any product. RateCity Pty Limited recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser, and read the Product Disclosure Statement (PDS) relating to the product your may be considering. If RateCity refers you to a financial institution or broker, you will be dealing directly with that provider, and RateCity accepts no liability in respect of any financial products which you elect to acquire from any provider.

 RateCity publishes factual information, such as rates, fees and features of financial products. This information is sourced from a variety of sources including financial institutions, product issuers, and brokers. RateCity is constantly checking and updating this information for accuracy and relevance, although we do not claim all information to be accurate at the time you may be using the site, and strongly recommend you confirm all information with the Financial Institution.

Comparison Rate Warning

The comparison rate is a way of comparing loans by including both the advertised rate and the fees involved. The comparison rates are based on credit of $150,000 and a term of 25 years for home loans, and based on credit of $30,000 for a term of 5 years for personal and car loans, unless otherwise indicated, and represents the effective rate on the loan. Comparison rates are not calculated for revolving credit products. Comparison rates are not required for revolving credit products such as overdrafts and line of credits, as these products are not paid down gradually like a normal loan, which means the fees have a different impact on the overall cost of the loan. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayments

Monthly repayment figures are an estimate of the initial monthly repayment based on the listed advertised rate, your selected loan amount and loan term. Where loan term is not specified, 25 years is used for home loans. Actual repayments may vary based on your individual circumstances and interest rate changes.

Personal Loan Rates

Rates shown are minimum available and may vary depending on your individual circumstances, loan amount and lender’s approval criteria.

Credit Card Rates

Balance transfer and introductory purchase rates are generally only available for new customers and any balance at the end of the introductory period is subject to the applicable revert rate at the time. Most providers do not provide access to a purchase introductory rate when a balance transfer deal has also been taken, applicants should confirm details of any deals by checking the provider’s website.

For further details please refer to our Financial Services and Credit Guide (FSCG)  and the Terms of Use of this site.