I would stay away from RateBusters. There interest rate may look good now but that's because they keep releasing new loan products with competitive rates and then raise the rates of there older load products with big rate hikes well over the Reserve Bank and the Big 4 Banks. Keep attracting new customers while existing customers pay extra and get locked in because of the huge break costs within the first 5 years. When I first took out my load 3 years ago, my rate was .9% below the standard variable rate of the big 4, now its higher than the even the standard variable rates of the big 4 without even factoring the .5% -.7% discount you can always get on your rate with the big 4 banks. My rate is currently 6.82% and they don't even advertise a rate that high on there web site. After being being with them for over 3 years I'm now looking at refinancing with someone else even tho I'm going to be hit with over $3000 in break costs.