Named broker
About Us
A finance comparison should be clear, accountable and built around you.
RateSmart Finance is an Australian-owned finance broker supporting consumers and businesses Australia-wide. The team compares eligible options across a panel of 40+ lenders, with a published physical office in Melbourne.
The smarter choice
Finance decisions involve more than a headline rate. RateSmart starts with the purpose, asset, timeframe and circumstances, then helps organise the information needed to discuss potentially suitable lender options.
The business is a broker, not a lender. RateSmart can explain pathways and help compare an offer, while approval, pricing and final terms remain with the lender. Tax and accounting questions should be confirmed with an appropriately qualified adviser.
People, process and accountability
Know who you are dealing with.
RateSmart publishes the business identity, licensing references and comparison boundaries behind the website. These details can be checked independently before you start an enquiry.
Registered business
RateSmart Finance Pty Ltd
Published licence references
ACL 546549
ACR 546466
Office and contact
470 St Kilda Road, Melbourne VIC 3004
How options are compared
A lender panel creates choice; it does not mean every lender is considered or suitable for every request. The useful comparison starts with fit and ends with the complete offer.
- 01
Start with the customer job
The asset, purpose, timeframe and preferred ownership outcome come before a lender or product label.
- 02
Check fit before price
Eligibility, evidence, asset policy and structure are considered before comparing rates and repayments.
- 03
Compare the complete offer
Repayments, fees, conditions, flexibility and the end-of-term position should be reviewed together.
- 04
Keep decisions with the right party
RateSmart is a broker, not a lender. Approval, pricing and final terms remain subject to lender assessment.
Your RateSmart contact
Broker-led from the first conversation.
Named broker
Kevin Safary
Finance broker at RateSmart Finance
Kevin is the named RateSmart contact in multiple public client reviews and supports consumer and business finance enquiries.
A website enquiry is only a request for a conversation. It does not lodge a credit application, promise approval or lock in a rate. The next step is to confirm the request and explain what information is relevant.
View public professional profile
Our Mission
Taking the stress out of borrowing
RateSmart Finance wants to take away the stress associated with borrowing. Whether it's commercial or consumer finance, our panel of 40+ lenders gives us a broad range of options to explore.
Australia-wide
Phone and online broker support for customers across Australia.
40+ lenders
A broad panel for consumer and commercial finance needs.
10+ years experience
Broker-led support from initial enquiry through the lender process.
Start with the purpose. Understand the pathway before proceeding.
Tell RateSmart what you need to finance and receive a broker-led conversation about potentially suitable options. No application is lodged by submitting an enquiry.