Advertising and affiliate disclosure

Better Rate Mate is free to use. You never pay us. Instead, we may be paid by the providers whose products we feature or refer you to. This page explains how that works, so you can take it into account when you use our site.

Who we are

Better Rate Mate is a trading name of AM Marketing Group Pty Ltd, ABN 37 613 053 286. Postal address: P.O. Box 69, Gunning NSW 2581.Email: [email protected].

Who pays us

Providers may pay us a commission, a referral fee or a cost-per-action payment. A cost-per-action payment is made when you take a set action, such as applying, getting a quote or signing up. These payments may come from a provider directly or through an affiliate network such as impact.com.

Some payments are for leads or enquiries that we pass on with your consent.

Payment amounts differ between providers and products. A commission doesn't change the price a provider offers you.

Sponsored placements and partner links

When a placement or link is paid for, we label it. You will see one of these labels:

• Sponsored. Small print: "This placement is paid for by the provider. It is shown separately from our other results."
• Sponsored. We may earn a commission. How we're paid. This label appears next to a link, and "How we're paid" links to this page.

Paid placements are shown separately from our other results. We never mix them into an alphabetical list or a list sorted by a stated measure.

Partner links can take you to the provider's site or to a comparison partner's site. Their terms and privacy policy apply there.

How we order information

Our tables are ordered in one of two ways:

• Alphabetically by provider or issuer, and labelled "not a ranking".
• By one objective measure that the table states. Examples are market share, premium for the largest insurers and health funds, or lowest standard price for the full period on long-expiry mobile plans.

If a table is ever sorted a different way, the table tells you how.

We don't rank or recommend cards, lenders, insurers or networks. Commission doesn't decide the order of a table or what is in it.

We read our data from providers' own pages, Product Disclosure Statements (PDSs), Target Market Determinations (TMDs), key facts sheets, and government or regulator data. We show the date we checked it. We don't have a live product feed, so check the details with the provider before you decide.

What we cover, and what we don't

We don't compare every provider or product. Our categories are Energy, Internet, Solar, Loans (including home loans, car loans and personal loans), Mobile, Car Insurance, Home Insurance, Health Insurance, Life Insurance, Income Protection, Business Insurance, Travel Insurance, Pet Insurance, Overseas Visitor Cover and Credit Cards.

We have published reviews of 15 home lenders and 15 health funds, and profiles of 8 energy retailers. Within each category we cover a selection of providers, and that selection can change.

If a provider isn't on our site, that doesn't mean it is worse. Where relevant, our guides link to free government comparison tools, such as Energy Made Easy, Victorian Energy Compare and privatehealth.gov.au, where you can see more options.

Our content is general information

For insurance and other financial products:

General advice only. This information doesn't take into account your objectives, financial situation or needs. Consider whether the product is right for you and read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before you decide. We don't compare every product in the market, and we may earn a commission if you take up a product through our links.

For credit products such as home loans, personal loans, car loans and credit cards:

General information only. It doesn't take into account your objectives, financial situation or needs. Check the lender's key facts sheet, credit guide and TMD before you apply. We don't compare every lender, and we may earn a commission if you apply through our links.

For energy, internet and mobile plans:

General information only. We don't compare every provider or plan in the market, and we may earn a commission if you sign up through our links.

Commercial relationships don't decide what our guides say. Read oureditorial policy for more.

Credit products

If we refer you to a lender, broker or comparison partner for credit, we will tell you at the time that we may receive a fee or commission. We will ask your permission before we pass on your details. We don't recommend a specific credit product.

Your personal information

If you send us a comparison request, we store your details and handle them under our Privacy Policy. We will ask for your consent before your details go to a provider or broker.

Questions or complaints

• Get in touch through our Contact page.
• Read how to make a complaint.
• See our Privacy Policy and Terms of Use.