Rate Detective Terms & Conditions

It is important you read and understand the terms and conditions of the website. If you have any questions or concerns, please do not hesitate to contact us. Our staff are more than happy to help.

General

Our website has been designed to allow consumers seeking products to find the most competitive rates from Australian providers.

Our comparisons

Our rate comparison engine is advanced and we hope that mistakes are never made. However we urge you to check that the offers are correct on our providers’ websites. Quote information on our site is subject to the information provided to us by the providers is correct. If you notice that any rates on our site are incorrect, please let us know and we will fix the problem as soon as we can.

Section Notes

Home Loans

Our home loans section allows you to compare home loans for the purpose of purchasing a property secured by that property.

The home loans displayed on this site are a selection of currently available products. The products as presented on the website do not constitute advice or a recommendation to purchase a particular home loan.

You may choose to apply for a home loan through Rate Detective. In this case you will be contacted by a fully accredited finance consultant to assist with your application. In most cases the consultant is employed directly by Rate Detective. If we do not have a suitable consultant available we may refer you to a third party consultant. We will inform you of this fact and ask for your consent before passing your information on to a third party.

We receive commissions from home loan providers who advertise on or are linked to our website. Our service is provided at no cost to you.

It is very important that you carefully read the terms and conditions of any home loan that you apply for. Ensure that the product meets your requirements before you apply for any home loan product.

Credit Cards

Our credit cards section allows you to compare credit cards for the purpose of personal finance.

The credit cards displayed on this site are a selection of currently available products. The products as presented on the website do not constitute advice or a recommendation to apply for a particular credit card.

You may choose to apply for a credit card via Rate Detective by clicking on an enquiry button. In this case you will be directed to the website of the credit card provider. Any information you enter on the credit card provider’s website is subject to the terms and conditions of that website. Rate Detective is not privy to any personal information entered by you on a third party website.

We receive commissions from credit card providers who advertise on or are linked to our website. Our service is provided at no cost to you.

It is very important that you carefully read the terms and conditions of any credit card that you apply for. Ensure that the product meets your requirements before you apply for any credit card.

Personal Loans

Our personal loans section allows you to compare personal loans.

The personal loans displayed on this site are a selection of currently available products. The products as presented on the website do not constitute advice or a recommendation to apply for a particular personal loan.

You may choose to apply for a personal loan via Rate Detective by clicking on an enquiry button. When you click on the enquiry button you will either be directed to the website of the personal loan provider or to an enquiry form on the Rate Detective website:

  • In this case you are directed to the website of the personal provider; any information you enter on the credit card provider’s website is subject to the terms and conditions of that website. Rate Detective is not privy to any personal information entered by you on a third party website.
  • In the case you enter information into a Rate Detective enquiry form; a qualified financial consultant will contact you within one business day to assist with your application. In most cases the consultant is employed directly by Rate Detective. If we do not have a suitable consultant available we may refer you to a third party consultant. We will inform you of this fact and ask for your consent before passing your information on to a third party.

We receive commissions from personal loan providers who advertise on or are linked to our website. Our service is provided at no cost to you.

It is very important that you carefully read the terms and conditions of any personal that you apply for. Ensure that the product meets your requirements before you apply for any personal loan.

Insurance products

Our insurance section allows you to compare life, TPD and trauma insurance from a cost perspective when you enter a specific amount of cover. Please contact us in order to receive quotations for Income Protection insurance. The products as presented on the website do not constitute advice or a recommendation to purchase a particular insurance product.

When presenting estimated premiums for insurance products, the premium may vary depending on occupation type and past and present medical history. In addition, it is important to understand that each insurer offers a range of policy types and additional benefits that will alter the cost associated. We suggest that you receive advice as to the type of policy that is relevant to your particular situation - this may be either with one of our, or through your own existing Financial Planner.

We receive commissions from insurance providers for the placement of your cover. Our service is provided at no cost to you.

All insurance applications require underwriting assessment and only at that time can a formal offer be made.

It is very important that you read and understand the terms and conditions of any insurance policy that you apply for. These are explained in the Product Disclosure Statements (PDSs) for the specific products. Ensure that the product meets your requirements before you apply for any insurance product.

Electricity and gas

Our electricity and gas section allows you to compare energy plans for your home.

The energy products displayed on this site are a selection of currently available products. The products as presented on the website do not constitute advice or a recommendation to purchase a particular energy product.

The comparison quotation service for energy products is provided by the Look Corporation Pty Ltd, trading as shoparound.com.au, based at 271 Brukner Rd, Adamstown, NSW, 2289.

Shoparound.com.au have additional terms and conditions to those set out above that you must agree with to obtain a comparison for energy plans.

Comparisons may not be available for all geographic areas.

It is very important that you carefully read the terms and conditions of any energy plan that you apply for. Ensure that the product meets your requirements before you apply for any energy plan.

Financial Planning

Our financial planning section contains general information about financial planning.

Be aware that the articles in this section are of a general nature and are not intended to be used as specific advice.

The do not take into account your particular investment objectives, financial situation or needs. You should consider the appropriateness of the information having regard to your own objectives, financial situation and needs.

You should consult the relevant professional for advice before making and decision on the basis of this information .

Taxation considerations are general and based on present taxation laws, rulings and their interpretation. Individual circumstances may be quite different

We receive commissions from fully licensed financial planners who advertise on or are linked to our website. Our service is provided at no cost to you.