Our Terms & Conditions

Our Panel

Not all providers of insurance or mortgages in the market are included in our comparisons.
To see who is on our panel, please click through below:

Mortgages | Insurance

Product Disclosure Statements

To see a copy of the product disclosure statements for the Insurance products that Rate Detective provide click the link below. Here you can read about the products we have quoted you on, including their features and benefits.

Product Disclosure Statements


The advice we provide is general advice. We don’t take into account your objectives, financial situation or needs and you should consider if the information is appropriate for you before making a decision. It is also important to note that we may retain your client details in accordance with our Privacy Policy, the details of which can be found on our website.

We are licensed through Crown Wealth Group Pty Ltd.

We receive commission on life insurance products which is in the cost of the insurance. This varies by provider but can be up to 140% of the initial premium and up to 40% of renewal premiums. Additionally, product providers may pay us bonuses or sponsorships. Further details can be found in the Financial Services Guide.

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. Please note our advice does not include independent financial, legal and taxation advice prior to acquiring a product.

Not all providers of insurance or mortgages in the market are included in our comparisons. The amount of any savings will depend on your circumstances.

The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.

RATE DETECTIVE PTY LTD. AUSTRALIAN CREDIT LICENCE NO. 469009. The Rate Detective website and brand name is operated by Spotter Finance Pty Ltd who are an authorised representatives of Crown Wealth Group Pty Ltd ABN 22 603 037 510 Australian Financial Services Licensee 494274. Spotter Finance and its advisers are authorised to advise and deal in superannuation and life insurance products only.

Financial Services Guide

Our Financial Services Guide can be found here.