02 · Indicative rates · Current to May 2026

Rates across the Belmont panel, personal to commercial.

Indicative rate bands on file across Belmont's accredited lenders. Actual rate depends on lender assessment, credit profile, security, and loan structure. The self-assessment estimator gives an indicative band on the figures you enter, computed in your browser — no credit-file pull.

Floor
9.95% p.a.
Ceiling
29.95% p.a.
Panel
TBClenders
Updated
May 2026
How to read the tables

Rate is one line on a lender's policy. Belmont reads the other lines too, so the submitted file lands at the rate the borrower actually qualifies for.

Published bands are the typical range each segment sees at submission. A clean-credit borrower with stable income lands in the prime band; files with a blemish, complex history, or limited documentation move into near-prime or non-prime.

Rates move with the OCR and with lender-specific funding appetite. The tables below reflect the Belmont panel as at May 2026.

Rate bands, personal finance
BandRateTermsNotes
Prime — clean credit9.95 – 13.95%12 – 60+ moStandard
Mid-Prime — minor history13.95 – 19.95%12 – 60 moStandard
Sub-Prime — complex history19.95 – 29.95%12 – 48 moManual review
Consolidation11.95 – 19.95%24 – 60+ moDebts paid direct
Medical & life events10.95 – 17.95%6 – 60 moDocumented purpose

Unsecured. From $2,000.

Rate bands, vehicle finance
BandRateTermsNotes
Prime — clean credit9.95 – 11.95%12 – 60+ moStandard
Mid-Prime — minor history11.95 – 16.95%12 – 60 moStandard
Sub-Prime — complex history16.95 – 24.95%12 – 48 moManual review
Imported EV9.95 – 11.95%12 – 60+ moStandard
Light commercial — LPI support10.95 – 14.95%12 – 60 moStandard
Exotic / classic (collector)12.95 – 18.95%12 – 48 moManual review

Secured against vehicle. From $2,000.

Rate bands, asset finance
Asset classRateTermsNotes
Plant & equipment10.95 – 13.95%12 – 60 moChattel mortgage standard
Commercial vehicle10.95 – 14.95%12 – 60 moChattel mortgage or lease
Yellow goods, earthmoving11.95 – 16.95%12 – 48 moResidual-sensitive
Technology & IT11.95 – 17.95%12 – 36 moOperating lease typical
Fit-out & soft assets13.95 – 22.95%12 – 36 moSecurity structure varies

Commercial placements. $10k – $500k.

No hard pull until you authorise

Belmont does not record a hard credit enquiry on your file until you have signed an engagement letter authorising submission to a specific named lender.

The indicative tier on Belmont's self-assessment is computed in your browser from the answers you give — Belmont does not access your credit file at that stage, and no enquiry of any kind is recorded. The hard enquiry is logged only when the file is submitted to the specific lender you have authorised in writing.

Disclosure

Published rates are indicative. Belmont discloses the specific lender and rate before you sign.

Rate, establishment fee, ongoing fees, and the total cost of credit are disclosed in the lender's loan contract before execution. Belmont does not earn volume bonuses that would bias placement toward any single lender.

Belmont Financial Services Ltd is a Financial Service Provider (FSP1009796) and holds its own accreditations with each lender on the panel.

Start an application to see a firm rate.

A broker review before formal submission tells you the likely band and the specific lender Belmont would recommend.

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