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RateCity's data & fact-checking process

RateCity is committed to ensuring the information on our site is accurate, up-to-date and trustworthy so that you can make better financial decisions with confidence.

RateCity data-checking process

In order to guarantee the integrity and quality of RateCity's data, all rate and product information on the site goes through a thorough process which includes:


Daily checks and analysis to identify errors.


Routine updates of rates and data through automated processes and manual checks to make sure they're correct and current.


Regular reviews of our data to maintain accuracy 


Verification of data with financial providers.

While we make every effort to ensure that our information is accurate, we strongly encourage you to confirm the fine print on the product, brand or service that you're interested in before making a decision. 

Availability of products on RateCity

RateCity prides itself on providing as much information on what's out there, and so endeavours to include every product from every lender and financial provider in Australia. While some lenders work with RateCity to maintain the accuracy of the product information, not all do, and so RateCity's data team is entrusted with the task of adding data about these products without assistance.

What we monitor?






Product categories



Why you can trust RateCity

We proudly stand by our editorial principles that ensure that the information we provide is fair, accurate and trustworthy.

  • Every piece of content the RateCity editorial team creates should be seen not as "advice", but rather "information".
  • RateCity's desire to help people make sense of dollars and cents doesn't necessarily mean its content should be interpreted as advice. Advice is personal, and each and every person's financial situation is going to be different. Instead, RateCity offers general information that can be used to give you a gauge on what you should do, encouraging you to do your research and make the next steps best for your situation.
  • Regardless of what's found on RateCity, every review, guide, and article is produced by our team of expert authors, and subsequently edited and fact-checked via a thorough process while maintaining a balanced position.

RateCity fact-checking process

Distinct from the data-checking process, RateCity's content team sees its work checked by experts from within the industry, while ensuring the content is informative, balanced, accurate, and without prejudice.


All content is checked by several members of the content team to ensure it is without prejudice and reads from a balanced viewpoint

RateCity's writers are experts in various subjects across personal finance, whose work can be seen in more places than just RateCity, including Lifehacker and Business Insider, to name a few.


Experts familiar with the industry are then used to verify the accuracy of information on the pages

Product specialists such as brokers are used to guarantee and authenticate what's being said, so you can trust the information as legitimate.


Routine and regular checks of content to ensure it continues to be accurate

Information provided on RateCity may be accurate at the time of writing, however that can change in time. As such, RateCity regularly checks its pages to ensure information remains accurate and relevant, and updates it accordingly. 

While RateCity's content remains objectively and editorially independent, not all information will suit every financial situation. As with all financial activities, it is advised that you talk to a financial advisor, financial planner, or financial consultant to see what works best for you. 

How does RateCity make money?

While the information and financial comparison offered by RateCity is free for consumers to use, RateCity makes money by introducing interested consumers (termed 'leads' in marketing parlance) to financial institutions.

A lead may be generated when you visit a financial institution's website via a link from the RateCity website. When you visit an institution from a lead, RateCity may get paid either for that visit itself, or more likely, for you "doing something" further with the financial institution, such as requesting a call, opening an account, or completing an application form on the financial institution's website. Alternatively, if you request from RateCity that a licensed third party (such as a mortgage broker or a financial advisor) gets in contact with you to discuss a particular product or service, RateCity may receive a fee or commission for referring your contact details to this third party. 

RateCity may also generate revenue from general advertising on the RateCity site, including display advertising, featured products, promoted products or sponsored parts of the site, which are always labeled as such.

For more information about how RateCity may make money from its service, feel free to read our page detailing how we make money.

Want to know more about RateCity and how we work? Read our editorial guidelines, our advertiser disclosure, and our terms of use