Your broker
About Us
Finance support that starts with what you need.
RateSmart Finance is an Australian-owned broker supporting consumers and businesses Australia-wide, with 15+ years of broker experience and a panel of 50+ lenders.
The smarter choice
RateSmart starts with the purpose, asset, timeframe and circumstances, then helps organise the information lenders may need and compares suitable options.
RateSmart is a broker, not a lender. Approval, pricing and final terms remain with the lender. Tax and accounting questions should be confirmed with a qualified adviser.
Business and broker details
Know who you are dealing with.
Check the broker, legal business name and credit-licence details before sharing personal information or starting an enquiry.
Legal business name
RateSmart Finance Pty Ltd
Credit licence
ACL 546549
ACR 546466
Melbourne office
470 St Kilda Road, Melbourne VIC 3004
How options are compared
Not every lender in the panel will suit every request. Options are compared against your purpose, circumstances and the full cost of the loan.
- 01
Start with what you need
The asset, purpose, timeframe and preferred ownership outcome come before the lender or product.
- 02
Check eligibility first
Eligibility, required evidence, asset rules and loan structure are considered before rates and repayments.
- 03
Compare the full cost
Repayments, fees, conditions, flexibility and the end-of-term position should be reviewed together.
- 04
Understand who decides
RateSmart is a broker, not a lender. Approval, pricing and final terms remain subject to lender assessment.