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Updated on 17 Jan, 2025
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2022 Gold Awards Categories
RateCity’s Gold Awards recognise the best financial products across six categories as determined by our Real Time Ratings ™ system. Discover the best in Home Loans, Personal Loans, Car Loans, Savings Accounts, Term Deposits and Bank Accounts.
What makes the Gold Awards unique?
Australia's most up-to-date product rankings
Every product is rated and ranked daily, to ensure you have the most accurate score to help you choose.
Real Time Ratings ™ are ranked by an algorithm, not people
At RateCity, we let data do the talking. Our Real Time Ratings™score products based factors like fees, rates, features and flexibility - without personal bias.
Easy to compare
Real Time Ratings ™ make it easy to compare products in each category so you can find the best solution for your situation.
What it means to win a RateCity Gold Award
The cornerstone of the RateCity Gold Awards judging process is our RateCity uses its market-leading system, Real Time Ratings™. We use this data-driven system to compare financial products against a set list of data points.
Over 4000 financial products across dozens of lenders and providers are analysed by Real Time Ratings™. Each product is given a score out of five based on factors such as rate, fees, features, and flexibility. These scores are updated daily. The products that have a consistently high score are the recipients of a RateCity Gold Award - an accolade that highlights consistent value for consumers.