About Ratesniffers

Every Australian home-loan lender with active products on the market. Not just the ones who pay for placement. The full panel includes the Big 4, the second tier (Macquarie, ING, Bankwest, Suncorp, Bendigo, BoQ), every customer-owned bank we can verify, and the neo- and non-bank challengers.

For each product we record the headline rate, comparison rate, maximum LVR, repayment type, loan purpose, fixed-term length where applicable, and the feature flags that most affect total cost (offset account, redraw, extra repayments, cashback). That data feeds the comparison tables, the calculators, and the news desk.

Three things separate Ratesniffers from most Australian comparison sites:

1. Default sort is comparison rate, ascending.Always. There is no paid “promoted” product hijacking the top of the list. Advertised placements are clearly labelled Advertisementand live in dedicated slots — they don’t mix with the organic ranking.
2. Calculators run in your browser. The numbers you type into a repayment, borrowing-power, stamp-duty, or refinance calculator never leave your device. No email gate. No data sent to our servers. The maths is the maths.
3. News desk publishes daily. Rate moves, RBA decisions, lender policy changes, market analysis. Plain English, no clickbait, with the underlying data linked where possible.

We’re free for borrowers. Our revenue comes from two clearly-labelled streams:

• Display advertising — banner, billboard, and rail slots clearly marked Advertisement in the top-right of the relevant card. Advertisers pay for impressions or clicks; the slot is separate from organic rate-list rankings, and editorial coverage is independent of who advertises.
• Broker-introduction fees— when you choose to talk to a broker after using the site, we may receive a referral fee from the broker if your loan settles. The broker is paid commission by the lender — there’s no fee to you. We disclose this relationship up-front and the broker provides a Credit Guide with full details before any credit assistance starts.

What we don’tdo: take payment to alter the rate-list ranking, shadow-blacklist lenders who don’t advertise, or sell your contact details to third parties.

Every comparison, guide, and calculator on the site is built and reviewed by people with hands-on experience in the Australian credit market. Our editorial team operates under the standards documented in our Editorial Guidelines, and the data pipeline that powers the rate tables is documented in How we rank rates.

If you find an error — in a rate, a guide, a calculator, or anywhere else — email hello@ratesniffers.com.au. We correct factual errors within 5 business days.

Ratesniffers is built for two kinds of borrowers:

• First-time buyers trying to make sense of a market with 85+ lenders, three deposit-grant schemes, and a rate environment that moves every week.
• Refinancers who suspect their existing rate has drifted above the market and want a fast, honest read on whether switching is worth it.

Investors, SMSF borrowers, and construction-loan applicants are also covered, but the core audience is owner-occupier borrowers who want to understand their options before talking to anyone.