Strong, attractive investment returns

Helping you achieve more with your money through peer-to-peer lending

Over the last 5 years we have funded over $500 million^^ in loans between investors and creditworthy borrowers. We’ve delivered consistently high returns to our investors without a single cent of principal or interest lost.

$500M+

Total loans originated^^

15,000+

Registered investors

$30M+

Interest earned

100%

Principal and interest
returned as due

INVESTMENT PERFORMANCE

Access a stable asset class with generous returns

Historically, only banks and institutions have enjoyed the strong returns that investing in consumer credit can deliver. With RateSetter, investors can now access this established asset class and start earning attractive returns.

** Annualised asset class returns as reported by Morningstar for the 5 year period to 31 May 2019. RateSetter data not provided by Morningstar. Please see below for a full explanation of how the asset class and RateSetter returns are calculated. Warning: Past performance is not a reliable indicator of future performance. Different investments reflect substantially different risk profiles.

MARKET RATE HISTORY

Our investors have been enjoying attractive, stable returns for years

Data as at 31 July 2019. Login to view current rates.

RISK PERFORMANCE

Protecting your investment with the unique Provision Fund

A combination of our stringent credit criteria and consistent growth of the Provision Fund has ensured that investors have received every cent of principal and interest due from investing in our portfolio of consumer loans.

Provision Fund buffer balance

Data as at 30 June 2019

^^This includes investments made from both the RateSetter Lending Platform and the RateSetter Wholesale Lending Platform.

Warning: Past performance is not a reliable indicator of future performance.

Provision Fund is not a guarantee, capital at risk. Read more about our Provision Fund.

** RateSetter 5 year performance represents average matched rate in the 5 Year Income market from 30 October 2014 to 31 May 2019. Other asset class returns based on the average performance of funds in each category as reported by Morningstar for the 5 year period to 31 May 2019. Data gathered from the following Morningstar categories: Australian Cash: AUS, Bond – Australia: AUS, Diversified Credit: AUS, Australian Equities Large Blend Different investments reflect different risk profiles.

All figures stated represent the RateSetter Lending Platform only unless stated otherwise.