Eligibility

Can I invest with RateSetter?

Individuals, companies and trusts (including SMSFs) can invest with RateSetter. To invest as an individual with RateSetter, you must have an Australian bank account and be at least 18 years of age. Before investing you should make sure you read and understand our Product Disclosure Statement.

What is the minimum investment?

The minimum investment to become a peer-to-peer lender is $10. Although there is currently no maximum investment, RateSetter Australia reserves the right to cap the amount of your total investment. In addition, RateSetter reserves the right to refuse to submit your order to a lending market or to cancel your order without giving you prior notice.

Can I invest as a company or trust?

Yes, a company or trust can invest with RateSetter. Simply select the relevant entity type when registering as a RateSetter investor.

Can I invest through my self-managed super fund (SMSF)?

Yes, self-managed superannuation funds (SMSFs) can invest with RateSetter. SMSFs are typically structured as trusts—simply select the relevant trust type when registering as a RateSetter investor.

Can I invest as an overseas investor?

Yes, you can register as an overseas investor. We currently don’t have an online application for overseas investors, as the website is designed for Australian details only. However, if you send an email to contact at ratesetter.com.au, we will provide you with a link to provide your details so that we can create an account for you manually. We will then contact you to request some documents required to verify your identity. These documents will need to be certified.