License

We find you a home loan with a lower total cost¹ than anything you can find and meets your needs. If you find a loan with a lower total cost that also meets all your needs, and the lender’s policies and criteria, we'll:

Find a comparable option, or
Give you $1,000²

This isn't just about following rules — it's about our commitment to saving you money and earning your trust.

When Our Commitment Applies

For loan applications with a net balance (loan amount minus offset or redraw balances) of $500,000 or more at the time of assessment

¹ What We Mean By "Total Cost"

“Total cost” refers to the complete cost of a loan over its expected life, based on information available at the time of assessment. Our calculation includes:

interest charges during any fixed or introductory period,
ongoing variable interest for the remaining term,
all upfront and ongoing fees, and
any cashback or rebate offers from the lender and us

² Terms for $1,000 reward

If you find a qualifying loan that meets all your needs and lender requirements, simply send us the unconditional loan approval and the details needed for comparison. We’ll verify the figures and, if confirmed, transfer $1,000 electronically within 30 days of confirmation.

Important Notes

Savings estimates are time-sensitive. They’re based on lender terms available at the time of assessment and are valid for 15 days or or until product terms change, or till we identify a more suitable option, whichever occurs first.
Commission rebates. We share part of our commission with you as a rebate, disclosed in your Credit Proposal, and Loan Saving Report. This reduces your overall loan cost but does not affect your interest rate or lender fees.
Information accuracy. Our calculations rely on the information you provide. Inaccurate or incomplete details may affect eligibility or savings outcomes.
Rebate eligibility. The rebate amount shown is an estimate only. You’re eligible if your settled net balance is $500,000 or more.
Lender discretion. Loan approval, terms and conditions remain at the lender’s discretion and depend on your financial circumstances, credit assessment and market conditions.

For Smaller Loans

For loans under $500,000, we'll still work hard to meet our commitment. If we believe you could get a better deal directly with a lender, we'll let you know. You can still choose to use our service, but the Savings Commitment won't apply.

Disclosures

General Information Only
Information on this site is general in nature and does not take into account your objectives, financial situation or needs. It should not be relied upon as personal advice. You should consider whether it is appropriate for you and, if necessary, seek independent advice before acting.

No Offer of Credit
Information on this website does not constitute credit assistance or an offer of credit. Credit assistance is provided only after we assess your personal objectives, financial situation and needs in accordance with the National Consumer Credit Protection Act 2009. All applications are subject to lender assessment and approval. Lending criteria and policies may change at any time without notice.

Privacy & Data Protection
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We never sell customer information. See Terms & Conditions for more information.

Savings Commitment