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How we earn money & avoid conflicts

Money.com.au has strict rules and policies in place that ensure we can provide accurate and reliable information to consumers about financial products, without it being influenced by our commercial arrangements.

How we avoid conflicts

Integrity of our product comparisons

  • Our product comparison tables display all products available in our database, not just the ones that pay us. We include as many products as we can in our tables, based on our team's extensive market research, but we do not guarantee that all products available in the market are included.
  • Providers of financial products cannot pay to appear in our comparison tables or have their product shown higher in a table.
  • Our product tables are always sorted by a clearly-identified product attribute, such as the interest rate, fees, repayment amount or some other objective measure. We do not apply any additional layers to the sort order which could potentially be open to bias or external influence.

Transparent sponsored content

  • Where a product is promoted on our site, we always clearly mark it as ‘sponsored’. We only show promoted products that are relevant to the topic of a particular page on our site.

Editorial integrity

  • Where our Editorial team identifies particular products to be highlighted in our content, this is done based on the merits of the product only, without any influence from our commercial arrangements. We always clearly explain our rationale for featuring a product in our Editorial content.

Best-interest duty

  • Our in-house mortgage brokers are bound by the Australian Securities and Investment Commission’s ‘best-interest duty’ (RG 273). This requires them to act in the best interests of consumers when providing credit assistance. Where there is a conflict of interest, our mortgage brokers must prioritise the interests of consumers.

How we earn money

Money.com.au may earn money from the providers of financial products and services if a customer is referred to them via our website. This may happen in one of the following ways:

Broker commission

  • We may earn a commission from a lender if one of our in-house brokers refers one of our customers to that lender.

Provider referrals

  • We may earn a commission from one of our commercial partners if a customer of ours applies for a financial product having been referred to the provider via our website.
  • For health insurance advice, we have partnered with The ItsMy Group (IMG) to form our panel. If a Money.com.au insurance advisor helps you find a more suitable product and you join that health insurer, IMG receive a payment from that fund which they pass on to us. This is normally a one-off fee but it can also be paid in increments over time. There is no charge to consumers to use the service, and any payment we receive does not change the price you pay for the product. Our health insurance advisors do not know how much we are paid by the fund they recommend.

Broker referrals

  • We may earn a commission if we refer a customer to a partner brokerage that helps our users find and apply for a financial product.
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© Copyright 2024 Money Pty Ltd.

Our Money Promise

Money Pty Ltd (trading as Money) (ABN 42 626 094 773) Australian Credit Licence 528698 provides information about credit products. Money does not compare all products or issuers available in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. We may receive a commission when you apply for a home loan as a result of outbound links on this website.

This material has been prepared by Money Pty Limited (ABN 40 664 954 536) (Money, ‘us’ or ‘we’). Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C). The material is for general information only and is not an offer for the purchase or sale of any financial product or service. The material is not intended to provide you with financial or tax advice and does not take into account your objectives, financial situation or needs. Although we believe that the material is correct, no warranty of accuracy, reliability or completeness is given, except for liability under statute which cannot be excluded. Please note that past performance may not be indicative of future performance and that no guarantee of performance, the return of capital or a particular rate of return is given by 62C, Money, any of their related body corporates or any other person. To the maximum extent possible, 62C, Money, their related body corporates or any other person do not accept any liability for any statement in this material.

The information on this website is intended to be general in nature and has been prepared without considering your objectives, financial situation or needs. You should read the relevant disclosure statements or other offer documents prior to making a decision about a credit product and seek independent financial advice. Whilst Money.com.au endeavours to ensure the accuracy of the information provided on this website, no responsibility is accepted by us for any errors, omissions or any inaccurate information on this website.

Interest rates, fees and charges are subject to change without notice. Before acting on any information, you should confirm the interest rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best” these relate solely to the rates of interest offered by the provider and not on any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.

The calculator provided on money.com.au is intended for informational and illustrative purposes only. The results generated by this calculator are based on the inputs you provide and the assumptions set by us. These results should not be considered as financial advice or a recommendation to buy or sell any financial product. By using this calculator, you acknowledge and agree to the terms set out in this disclaimer. For more detailed information, please review our full terms and conditions on the website.

Assumptions:

  • The calculations do not account for changes in interest rates or other market conditions that may occur.
  • Results are approximations and may differ from actual payment schedules or amounts.
  • The calculator does not include all fees and charges that you may incur in relation to a financial product.

Limitation

  • This calculator does not guarantee the availability of any financial product or the accuracy of the calculations. Please consult a financial advisor or the relevant product provider to obtain specific advice tailored to your circumstances.
  • money.com.au does not accept any liability for errors or omissions, or for any loss you may suffer as a result of relying on these calculations.
Money Pty Ltd trading as Money

ABN: 42 626 094 773 / ACL: 528698 / AFCA: 83955
Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C)
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Money acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.

© Copyright 2024 Money Pty Ltd.