How We Get Paid

Purpose and Commitment

Savings.com.au exists to help people save money, whether it be to get those savings ‘up-front’ when we buy something, or those cumulative savings we make over time which help to build our future position.

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

It takes material resources (staff, IT systems and many other business overheads) to be able to present this curated content so that it can be easily consumed and remain free of charge. In order to sustain this, it is necessary for Savings.com.au to generate revenue.

Connecting the audience with products that are likely to help them save

Savings.com.au earns revenue by connecting financial product suppliers (eg. banks, building societies, credit unions, etc.) to those in its audience who are in market, and whom see value in the products published within the content.

Any products published within the Savings.com.au editorial content are done so first and foremost because they are contextually relevant to and complement that content. For this to happen, the Savings.com.au team must judge that the product, when compared against the broader market offering available to consumers, is one that is likely to help the audience save money.

Media Products are Important Communication Devices

As stated on our 'Managing Conflicts of Interest' page, we write and present content which we know people in the community are searching for to help them save money. Part of this content is tables of product information which are designed to provide a level of real world data to complement the concepts and insights being communicated in the body of an article.

Tables are a very effective tool in providing a convenient way for the audience to scope products available in the market which the Savings.com.au team judges are likely to help people to save money. Hence they are an important communication device on the Savings.com.au website.

These tables (either embedded or stand-alone) are also the predominant format of media product which Savings.com.au uses to connect audiences with product providers in a commercial manner, offering this access via lead referrals which are directed to landing pages curated by the product providers.

These commercial relationships are always contingent upon the Savings.com.au team’s judgement that the products within the tables align with the contextual purpose of the editorial content (i.e both the topic being discussed as well as the products offering the opportunity for the audience to save money).

Importantly, just because a product is listed in a table does not mean that it is underpinned by a commercial relationship. Savings.com.au often publishes products where there is no commercial relationship in place with the product provider.

If you click on a product link and you are referred to a Product or Service Provider’s web page, it is highly likely that a commercial relationship exists between that Product or Service Provider and Savings.com.au.

Sustainability based on Trust

Savings.com.au understands that its business is based on an intrinsic level of trust between itself and its audience. The foundation of this trust is that the audience can rely on Savings.com.au to curate content which will help them save money.

If Savings.com.au fails to do this by promoting specific products (through both publishing and entering into commercial relationships) which do not, relative to the broader market of product options, help the audience save money, then the trust bond between Savings.com.au and its audience will not be sustained.

This would not be good for the Savings.com.au business, as it would cause a fundamental erosion of audience numbers and engagement. So in this sense, Savings.com.au’s commercial success is structurally aligned to its ability to help its audience save money – something which would preclude it from promoting products (for commercial benefit) which do not do this.

Regulatory Regime

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 are designed to protect consumers from unscrupulous activities in the financial services and credit industries. A substantial effort is made by Savings.com.au to ensure that it remains clearly within the strict compliance frameworks of these regimes – a responsibility which Savings.com.au takes very seriously.

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).