About Beta Deal

Why this exists

Comparing home loans in Australia is harder than it should be. Rates are advertised next to a second, higher rate that nobody explains. Fees appear in footnotes. Half the comparison sites want your phone number before they will show you anything, and the "best" loan is often just the one paying the most commission that week.

Beta Deal is a straightforward alternative: every loan on one page, sorted by the number that actually reflects total cost, with the fees written next to each product rather than blended away. Calculators that state their assumptions. Guides that tell you when a product is a bad idea.

How the comparison works

The table lists 18 loans across 11 lenders. It sorts by comparison rate by default, ascending — the fairest available ranking, because the comparison rate folds in most compulsory fees. You can re-sort by interest rate, repayment or lender name, and filter by purpose, rate type, deposit size and features.

Nothing in the ordering is paid for. No lender can buy a higher position, and there is no "featured" or "sponsored" slot dressed up as a recommendation.

We do not claim to list every loan in Australia. No comparison site does. Some lenders do not distribute through comparison channels, and some products are only available direct or through a broker. Treat the table as a strong starting point rather than the whole market.

The rates you are seeing right now

Beta Deal is new. The lenders and rates currently in the table are fictional and illustrative — placeholders that let us build and test the comparison properly before connecting a live rate feed. They are labelled as sample data wherever they appear.

We would rather show obviously-fake data with a notice on it than real lender names against numbers we cannot stand behind. When the live feed is connected, the sample notices come off and the source and update frequency will be stated on this page.

How we make money

Right now, we do not. Beta Deal is not currently party to any commercial arrangement with a lender, aggregator or broker, and no lender pays for placement.

The usual model for a comparison site is commission from the lender when a referred customer settles a loan. If and when Beta Deal takes that on, this section will say so plainly — which lenders, on what basis, and whether it affects anything you see. It will not affect the ordering of the table.

What we don't do

• We don't give advice. Everything here is general information. It cannot take your circumstances into account because it does not know them.
• We don't arrange your loan. Applications happen with the lender or a licensed credit assistance provider, not with us.
• We don't sell your details. An enquiry goes where you asked it to go and nowhere else. See the privacy policy.
• We don't gate the numbers. No form stands between you and a rate.

Getting in touch

Found an error, a rate that looks wrong, or something explained badly? That is genuinely useful — tell us.