Managing Conflicts of Interest

What Drives Savings.com.au?

Savings.com.au exists to help people save money. To do this, it generates relevant and factual information which is freely accessible to anyone visiting its website or accessing the content through other digital channels including email subscriptions, Facebook, LinkedIn and various other social media.

It must present this information in a way which can be easily consumed, free of charge and in a sustainable manner. So whether it be more educational in nature or simple tips and ‘life-hacks’, there is a substantial investment of time and resources (employees, computer systems, regulatory compliance, etc.) made by Savings.com.au to curate, house and maintain the content. Most importantly for Savings.com.au however, above all of these commitments, is for it to demonstrate that it is worthy of its audiences’ trust.

Achieving a Balance

This critical trust element is underpinned by Savings.com.au’s efforts to manage the balance between sustaining its commercial operations whilst maintaining an uncompromising focus on its purpose which is to genuinely help people save money.

The key component of commercial sustainability for an operation like Savings.com.au is generating revenue. A more detailed account of how Savings.com.au generates revenue can be read here How We Get Paid, but for the purpose of this explanation, Savings.com.au earns revenue by connecting (generally) financial product suppliers (eg. banks, building societies, credit unions, etc..) to those parts of the Savings.com.au audience which are in market, and whom see value in the contextually relevant products published within the content.

Our Editorial Team Operates Separately from our Commercial Team

So what drives the content, the potential to generate revenue or the focus on helping people save money? The answer for Savings.com.au is to always start first with the latter. We write content on which we know people in the community are searching for answers and seeking help for. If this content generates opportunities for the Savings.com.au team to connect the ensuing audience to products that it believes align with the contextual purpose of the content, then it will publish those products within the content and make available the opportunity to connect product provider/s to this audience via a commercial relationship. Importantly, Savings.com.au frequently publishes products within its editorial content whether there is a commercial relationship in place with a product provider or not.

Savings.com.au’s Licensing Responsibilities and Obligations

Savings.com.au operates as an Australian Financial Services Licensee and an Australian Credit Licensee, Number 515843, of Level 40, 123 Eagle Street, Brisbane Qld 4000. These licensing regimes require material effort to ensure that Savings.com.au remains within their strict compliance frameworks – a responsibility which Savings.com.au takes very seriously.

Any advice provided or perceived from Savings.com.au content is intended to be general in nature (eg. not Personal Advice where a person’s individual circumstances and needs are taken into account).

Savings.com.au’s Family

Savings.com.au is part of the Firstmac Group. As such, it has a number of ‘sister’ brands including the online lender, ‘Loans.com.au’. As was previously mentioned around the separation of editorial and commercial interests within the Savings.com.au operation, the same applies in relation to the deterrence of any commercial influence over any aspect of the Savings.com.au operation from other sister brands within the Firstmac Group.

In essence, Savings.com.au sister brands will be treated in the same manner as any other product provider looking to connect with the Savings.com.au audience. If the Savings editorial team judge that products from a sister brand do not meet the purpose test of ‘helping consumers save money’ within the context of that particular piece of curated content, then they will not be included in the editorial content– regardless of the monetary opportunity on offer to savings.com.au.

The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site. Savings.com.au, yourmortgage.com.au, yourinvestmentpropertymag.com.au, and Performance Drive are part of the InfoChoice Group. In the interests of full disclosure, the InfoChoice Group are associated with the Firstmac Group. Read about how InfoChoice Group manages potential conflicts of interest, along how we get paid.

Savings.com.au Pty Ltd ACN 161 358 363 operates as an Australian Financial Services Licensee and an Australian Credit Licensee Number 515843. Savings.com.au is a general information provider and in giving you general product information, Savings.com.au is not making any suggestion or recommendation about any particular product and all market products may not be considered. If you decide to apply for a credit product listed on Savings.com.au, you will deal directly with a credit provider, and not with Savings.com.au. Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au's Financial Services and Credit Guide (FSCG). The information provided constitutes information which is general in nature and has not taken into account any of your personal objectives, financial situation, or needs. Savings.com.au may receive a fee for products displayed.

Explore the InfoChoice Group network: InfoChoice · Your Mortgage · Your Investment Property · Performance Drive

Our company, Savings.com.au, has obtained accreditation as a data recipient for the Consumer Data Right (CDR). You can view our CDR policy by clicking on this link.

Important information

Savings.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

Editorial Integrity

At Savings.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

Learn more about our commitment to editorial integrity in our Editorial Guidelines.

Advertiser Disclosure

Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site.

For more details, see How We Get Paid.

Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $400,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

Savings.com.au is proudly part of the InfoChoice Group, which includes InfoChoice.com.au, YourMortgage.com.au, YourInvestmentPropertyMag.com.au, and PerformanceDrive.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by Savings.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read Savings.com.au’s Financial Services and Credit Guide (FSCG).