Why is my interest rate different than advertised?

There are some important factors to consider when reviewing the rates displayed on our website:

• Rates displayed on the website are described as ‘starting from’, which means they could vary
• Rates displayed on the website are calculated based on an individual with an excellent credit history
  
• All rates you are charged or quoted are personalised to your individual circumstances.
  

Our interest rates are determined by a number of different factors, these may include the loan term, your individual circumstances and the rates currently available on our lending markets.