To the extent that RateCity provides financial advice, that advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. RateCity provides an information service. It is not a credit provider, and in giving you information about credit products RateCity is not making any suggestion or recommendation to you about a particular credit product. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the PDS and TMD.