Make every dollar a proper choice.
Compare loans, credit cards, and savings accounts across 60+ Australian lenders. Real rates, zero fluff, updated every day.
ANZ PlusPersonal loan6.19%-0.10
MoneyMeFlexi loan5.95%-0.25
WestpacPersonal loan6.49%+0.00
PlentiGreen loan6.29%-0.05
Find your proper match
Step 1 of 4
What are you trying to sort out?
No personal info needed
Pick your proper path forward
Whether you need to borrow, earn rewards, buy a home, or understand your credit health, we have a dedicated comparison built for you.
Proper Loans
Borrow smarter from $2k to $100k
- Personal · car · large
- Lowest rate 5.95% p.a.
- Same-day funding available
Proper Cards
Earn proper points on every dollar
- Qantas · Velocity · low-rate
- Up to 130k bonus pts
- $0 foreign-fee options
Proper Mortgage
First-home, refinance & investment
- From 5.74% p.a. fixed
- Refi cashback up to $4k
- Pre-approval in 24 hrs
Proper Score
Free credit score, no impact, monthly
- Equifax score in 60 sec
- Monthly tracking & tips
- Soft check · no card needed
The biggest Qantas Points bonus in market right now
ANZ is offering 130,000 bonus Qantas Points on their Rewards Black credit card - the largest sign-up bonus available in Australia right now. This limited-time offer also includes lounge access and complimentary travel insurance.
- 130,000 bonus Qantas Points (biggest in market)
- 2 × complimentary Qantas Club lounge passes / year
- Complimentary international travel insurance
- No early-repayment or balance-transfer trickery
After $5,000 spend in 3 months · $425/yr annual fee
Proper savings · interactive
See what switching could put back in your pocket
Drag the sliders to match your situation. We'll compare your current rate to the average Properfolio partner rate (7.99% p.a.) over a 5-year term.
You could save up to
$5,277
over 5 years by switching to a Properfolio-compared loan at 7.99% p.a.
Show me the loansThree steps to a proper decision
No sign-ups, no credit checks, no hidden agendas. Just honest comparisons that put you in control from start to finish.
Tell us what you need
Take the quiz, use the filters, or jump straight into a category. We never ask for personal details upfront — no card, no signup.
30 secondsWe do the heavy comparing
Our editorial team tracks rates, fees and benefits across 60+ Australian providers. We surface the strongest match — never the highest commission.
InstantApply with confidence
Apply directly with the provider — we don’t see your personal data. We earn from the provider only when you’re matched well.
MinutesDon't just take our word for it
50,000+ Aussies are choosing properly
saved by our members since launch
Australians choosing properly
average rating \u00B7 2,840 reviews
Saved $1,840 on my personal loan after Properfolio matched me to MoneyMe. Took 10 minutes. The 'proper match' result is genuinely useful — not just a sponsored ad.
The Qantas Points calculator showed me I was leaving 80,000 points on the table each year with my old card. Switched to the Amex Ultimate and I'll fly business class next year.
Refi quiz pointed me to a 5.74% fixed rate — saving roughly $620 a month vs my old loan. The whole process was 'proper' in the best sense.
The proper way to read the market
Make it proper.
Thirty seconds. Four questions. One personalised match. Then it's up to you - apply, save, or just sleep on it. Either way, you'll be choosing properly.