About us

Established in 2007, Rate Detective (Rate Detective Pty Ltd) is a rate comparison website which provides free information to consumers about home loans, credit cards, personal loans, electricity and personal insurance (life, income protection, TPD and Trauma cover).

Rate Detective is run by a team of experienced financial industry and IT professionals, led by CEO Damon Rasheed.

In addition to our comprehensive database, we publish original stories on personal financial topics to enable consumers to remain informed no matter what their financial status is. Whether they are buying their first home, getting a new credit card, or saving for a holiday, Ratedetective.com.au has the tools and resources to help. These resources include a set of financial calculators designed specifically for the Australian market.

Rate Detective Q&A

What does Rate Detective do?

Rate Detective is a price comparison service. We focus on financial products such as home loans, credit cards, personal loans, energy and personal insurance. Rate Detective saves consumers time and money by providing rate comparisons in a central, easy to use website.

How does it work?

We source our data from a panel of financial institutions and insurers. Once you have entered your details you will either get an immediate quote online for some products, or if additional information is required one of our trained staff will be in contact within 1 business day.

How much does it cost?

We don’t charge customers anything for our service it is 100% free to customers.

How does Rate Detective make money?

Institutions pay us a fee for each sale that originates from our site. You will pay the same price whether you apply through Rate Detective or direct to the provider. In fact, in some cases we offer better deals than you could get by applying directly. Rate Detective does not charge a fee for any service we provide, we are remunerated by the institutions by way of commission for any sales that are made. If you were referred to us by another website, we may pay them a commission upon sale. Once again, Rate Detective does not charge a fee for the service.

Tell me about your representative.

When you enquire through a web form or on the telephone, Rate Detective works to find you a representative who is experienced in the product you are after. If you are after a home loan, we can find you an experienced finance representative, and if you are after life insurance we can find you authorised representatives who are licensed to deal in risk.

While some of our representatives are employed by Rate Detective, we may refer you to a third-party representative if we believe that is in your best interest. Of course, we will always ask your permission before referring you. Please read our privacy policy for more information.

What about my privacy?

Rate Detective realises the importance of protecting your private information. Please read over our privacy policy and if you have any concerns or questions, do not hesitate to contact us.