The availability of the early access transfer feature is at RateSetter’s discretion and may cease to be available to lenders at any time. Further, an early access transfer request in respect of specific lending markets may not be fulfilled if:

  • There are insufficient funds available from other lenders to replace the lender’s interests;
  • After execution the value of lending orders that would remain in the relevant lending market would be less than the early access lending market value limit for that market; or
  • Replacement funders would be matched to the relevant facilitating loan at a rate above the early access transfer rate limit.

The early access lending market value limit and early access lending market rate limit are determined by us from time-to-time and published on our website. They are currently:


3 Year lending market

Value limit: $300,000

Rate limit: 8.5%


5 Year lending market

Value limit: $500,000

Rate limit: 10.0%