Compare Personal loans | Interest Rates & Fees - Best Find

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Personal loan amount

Term of personal loan

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Loan purpose

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Personal Loans

Discount Personal loan

Personal Loans available for any worthwhile purpose. Take advantage of competitive interest rates, flexible payment options and no penalty for early payout.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.85%

Comparison rate11.54%

Monthly repayments (approx)$329

Total repayments (approx)$11,877

Total interest repayments (approx)$1,877

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$100

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone13 15 63

Data accurate as of9/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan of $30,000 for a term of 5 years, repaid monthly. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Fixed Rate Personal Loan

Whether you are borrowing for a boat, a caravan, holidays, something for your home, or just something for you, our Fixed Rate Personal Loan can make it possible.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.58%

Monthly repayments (approx)$333

Total repayments (approx)$11,996

Total interest repayments (approx)$1,996

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$300

Missed payment fee$20

For debt consolidation?Yes

Sponsored No

Telephone13 11 55

Data accurate as of11/04/2016

Comparison rate warning The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Comparison rate is based on a $30,000 loan over 5 years.

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Personal Loan Fixed

Apply for a fixed rate personal loan and you could be eligible to borrow between $3,000 and $30,000 for personal reasons. Take the holiday, finish the renovation, or plan a special event.

Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate10.59%

Comparison rate11.63%

Monthly repayments (approx)$330

Total repayments (approx)$11,890

Total interest repayments (approx)$1,890

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$149

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 302 474

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. 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.

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Variable Rate Personal Loan

Our Variable Rate Personal Loan helps you get what you need now and allows you to repay the loan within the first 12 months without penalty.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.19%

Comparison rate11.78%

Monthly repayments (approx)$334

Total repayments (approx)$12,031

Total interest repayments (approx)$2,031

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?Yes

Sponsored No

Telephone13 11 55

Data accurate as of11/04/2016

Comparison rate warning The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Comparison rate is based on a $30,000 loan over 5 years.

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Fully Secured Loan

Whether you’re wanting to borrow for a big overseas trip, a new extension on the beach house or a family wedding, you can choose from a fully, partially or unsecured loan option.

Overview

Minimum loan amount$2,500

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.96%

Comparison rate11.99%

Monthly repayments (approx)$331

Total repayments (approx)$11,950

Total interest repayments (approx)$1,950

Rate typeVariable

Secured or unsecuredSecured

Security required No

Encumberance/REVVS check fee$13

Application / establishment fee$0

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 654 321

Data accurate as of5/04/2017

Comparison rate warning Comparison rate calculation is based on a loan of $10,000 over 3 years with fortnightly repayments unless otherwise stated. WARNING: The comparison rates apply only to the example or examples given. Normal lending criteria apply, interest rate is per annum and is variable. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. All interest rates are subject to change.

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Personal Loan - Secured with Property Mortgage

Whether you are looking to go on a holiday or purchase a boat, we can help you access the funds you need now without the worry of high interest rates and fees.

Overview

Minimum loan amount$5,000

Maximum loan amount$200,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate5.29%

Comparison rate12.06%

Monthly repayments (approx)$307

Total repayments (approx)$11,053

Total interest repayments (approx)$1,053

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$200

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 36 1066

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated on an secured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply.

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Personal Loan (Unsecured)

I’m making plans and I need a simple personal loan to help make my dreams a reality.

Overview

Minimum loan amount$2,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate11.79%

Comparison rate12.08%

Monthly repayments (approx)$337

Total repayments (approx)$12,159

Total interest repayments (approx)$2,159

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$200

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone13 22 49

Data accurate as of6/04/2017

Comparison rate warning Comparison rate is calculated on an unsecured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply.

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Personal Loan (Unsecured)

Are you making plans and need a simple personal loan to help make my dreams a reality?

Overview

Minimum loan amount$2,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.79%

Comparison rate12.08%

Monthly repayments (approx)$337

Total repayments (approx)$12,159

Total interest repayments (approx)$2,159

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$200

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 864 266

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated on an unsecured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply.

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Teachers Mutual Bank
11.45%
12.15%
$332.82

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Travel Loan

For wherever you’d rather be, our travel loan can help you finance your trip. From a dream holiday at an exotic location to the thrilling adventure trek of a lifetime, you can be there sooner than you ever imagined.

Overview

Minimum loan amount$2,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate11.45%

Comparison rate12.15%

Monthly repayments (approx)$332

Total repayments (approx)$11,981

Total interest repayments (approx)$1,981

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$100

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$10

For debt consolidation?No

Sponsored No

Telephone13 12 21

Data accurate as of11/04/2016

Comparison rate warning Comparison rates quoted are based on $10,000 for a term of 3 years for Travel Loans WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Unsecured Personal Loan

Whether its home improvements, a well-deserved overseas holiday or debt consolidation. We can make it happen sooner with our unsecured personal loan.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.95%

Comparison rate12.17%

Monthly repayments (approx)$336

Total repayments (approx)$12,127

Total interest repayments (approx)$2,127

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Student/Apprentice Loan

If you are working casually and need money for equipment and study materials, our NEW student/apprentice loan could be the answer.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.20%

Comparison rate12.20%

Monthly repayments (approx)$333

Total repayments (approx)$11,991

Total interest repayments (approx)$1,991

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$0

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 885 480

Data accurate as of6/04/2017

Comparison rate warning Comparison rates are based on a $10,000 loan over 3 years with monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Unsecured Personal Loan

Unsecured personal loans.

Overview

Minimum loan amount$5,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.14%

Comparison rate12.29%

Monthly repayments (approx)$336

Total repayments (approx)$12,101

Total interest repayments (approx)$2,101

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$100

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone13 61 91

Data accurate as of11/04/2016

Comparison rate warning Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

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Personal Loan

Use our convenient Personal Loan to buy the things you’ve had your eye on. A versatile loan that you can use for almost anything, our Personal Loan has the option of competitive variable and fixed interest rates, as well as flexible repayments.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.74%

Comparison rate12.37%

Monthly repayments (approx)$333

Total repayments (approx)$12,019

Total interest repayments (approx)$2,019

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$90

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored No

Telephone1300 654 822

Data accurate as of11/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate

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Unsecured Personal Loan

Whether you want a new set of wheels, make some home improvements or finally take that trip around the world, we have personal loans with no monthly fees starting at just $2,000.

Overview

Minimum loan amount$2,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.50%

Comparison rate12.68%

Monthly repayments (approx)$338

Total repayments (approx)$12,193

Total interest repayments (approx)$2,193

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$125

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored No

Telephone1300 004 863

Data accurate as of6/04/2017

Comparison rate warning Comparison rates based on secured loan of $30,000 over 5 years with monthly repayments. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms, conditions, fees, charges and lending criteria apply.

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Personal Loan - Unsecured

Coastline's Unsecured Personal Loan is a competitive personal loan for those who don't want to secure their personal loan against a personal asset.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.29%

Comparison rate12.69%

Monthly repayments (approx)$335

Total repayments (approx)$12,072

Total interest repayments (approx)$2,072

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$200

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 36 1066

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated on an unsecured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply.

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Tips for comparing personal loans

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing personal loans, there are other important things to consider and understand, other than just the interest rate.

Are you eligible for a personal loan?

Before you apply for a personal loan, be sure to understand and meet the financial institution’s lending criteria. Below are examples of what may be included in the lending criteria:

  • Minimum age. 18 to 21 is a standard range
  • A verifiable and steady employment. Often you will be required to provide copies of your most recent pay slips
  • A good credit history. For example, no recent defaults and no frequent requests for credit
  • Most lenders require you to be an Australian citizen or permanent resident
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to any new liability

There are many additional factors banks consider when accessing your application, but the above are the most important. If you feel like you may not meet the banks eligibility criteria, it may be best to save!

What can you use a personal loan for?

Lenders will allow you to borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose. When comparing loans, use our “loan purpose” filter to find providers that could best suit your needs. Examples include:

How much and how long can you take out a personal loan for?

Minimum and maximum loan amounts vary between $1,000 and $100,000+. Loan terms vary from 6 months to 10 years. Though the exact number varies between lenders, your eligibility and whether you secure the loan.

What’s the difference between secured and unsecured loans?

Secured personal loans use an asset you own as collateral. If you are unable to repay the loan, the lender can then repossess and sell the asset to recoup some or all of the losses from the unpaid loan. If you own a car, property, term deposit or some other valuable asset, you will likely be offered a lower interest rate in exchange for offering it as collateral. You could potentially borrow a larger sum of money if you offer security and the meet the lending criteria.

Unsecured personal loans are loans where you do not put up an asset as collateral. Unsecured loans are higher risk for the lenders, because if you default on the loan, there’s a reduced possibly to recoup the loan. These types of loans come with a higher interest rate, because it reflects the greater risk

What’s the deal with fixed and variable interest rates?

Sometimes, nothing. Though other of the times, it impacts the maximum term of loan, the maximum amount you can borrow, the interest rate and whether the loan includes a redraw facility or allows you to repay early without incurring a penalty fee.

Fixed interest rates will not change over the life of the loan, which makes it easier to budget. By agreeing to a fixed interest rate for the life of the loan, there is no risk that you will miss payments because the interest rate increases. On the flipside, if there is an interest rate cut in the future, you will miss out on any possible savings. Some lenders may not include a redraw facility on fixed rate loans or will include an early repayment fee.

Variable interest rates may rise and fall throughout the life of your loan. This could potentially mean that you will save money in the future if interest rates fall, but if interest rates rise in the future could become difficult to continue to meet the monthly premiums. Variable interest rate personal loans tend to be more flexible for payment terms than fixed rate loans, which gives you more options to manage your finances and tailor your payments to work for you.

What is a peer-to-peer loan?

Peer-to-peer loans have been popular in the UK and the United States for nearly a decade, but are a recent addition to the Australian financial scene. Peer-to-peer lenders give borrowers the opportunity to borrow directly from lenders or investors and bypass traditional lending institutions such as banks and credit unions.

Peer-to-peer lenders can reward individuals with good credit scores by providing loans with a lower interest rate, to reflect the lower risk. However, peer-to-peer lenders may not offer the same flexibility as a bank or credit union. For example, they may not offer the ability to repay the loan weekly or fortnightly or may not have a redraw facility.

What else should you keep in mind when choosing a loan?

When choosing a loan, the interest rate and repayment schedule are not the only important items to consider. Many lending institutions charge fees in addition to interest and hidden fees can surprise even experienced borrowers.

Comfortable repayment schedule

Most lenders allow weekly, fortnightly or monthly repayment. But not all of them, consider a provider that can make withdrawals, based on your pay cycle.

Extra repayment or early penalties

Consider loans that do not penalise you for making additional payments or paying off the loan early. These fees can range anywhere from $0 to $700, depending on how far into the loan you are.

Redraw facility

If you are making additional payments on your loans, but something comes up and you wish you could take that payment back, luckily some loans offer the ability to redraw those payments (as long as you are paid ahead of schedule according to the repayment plan), which can help offer peace of mind to know that if something comes up. Redraw limits and fees apply to some institutions.

Comparison rates

A comparison rate is a term used to describe the actual cost of borrowing, once you include all the application, establishment and recurring fees. In Australia, it is a legal requirement that comparison rates are based on scenarios (i.e. $10,000 over 3 years, or $30,000 over 5 years). The scenarios are found in the disclaimers. It’s important to note, that a 10% comparison rate over 3 years, will not have the same monthly repayment as a 10% comparison rate over 5 years (the 5 year comparison rate is likely to be more expansive), so be sure to read the disclaimer!