Loan commencement fees that apply to your RateSetter loan include:
1. A credit assistance fee, payable to RateSetter for assisting with your loan; and
2. A Risk Assurance Charge personalised based on your credit history, payable to the Provision Fund.

Importantly, these fees and charges are added to your requested loan amount, so the effect of these fees is included in the monthly repayment amount and comparison rate you are displayed when you receive a RateEstimate.

We may also charge you a monthly loan management fee. 

Although your RateEstimate includes our best estimate of fees that may apply, it's important to remember that these could change as we assess your loan application in more detail.

When you request a RateEstimate we will provide you with an estimate of all the fees and charges that would apply to your RateSetter loan.