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Illustrative example only. Repayment estimates use a 7.99% p.a. example interest rate and exclude lender-specific fees unless stated. This is not a quote, offer, approval or indication that this rate is available. Your interest rate, comparison rate, fees and repayments will depend on the financier, your circumstances and the final loan details.

No. Estimates and lender options are not approvals. Approval, the available rate and final loan terms depend on the financier’s credit assessment, criteria and verification of the information you provide.

No. Using the BaseRate calculator does not involve a credit enquiry. A financier may conduct a credit check if you choose to proceed with a formal application.

BaseRate does not charge you a fee to use our service. If a finance application introduced through BaseRate settles, the financier pays BaseRate a commission. The amount can vary between financiers and products. Financier fees, interest, credit criteria and terms may still apply. BaseRate does not charge you a fee to use the platform or submit an application. A financier may charge its own fees.

A comparison rate combines the interest rate with ascertainable credit fees and charges for a stated loan amount and term. It helps compare similarly structured offers, but it does not include every possible cost and is not a personalised total-cost figure. Generic BaseRate examples exclude lender-specific fees, so the applicable comparison rate is shown when a specific finance option is presented.

Some eligible applications may be assessed automatically where a participating lender supports it. Automated assessment is not available for every applicant or lender, and approval remains subject to lender criteria and verification.