Mybank.com.au is not a bank or a mortgage manager or finance broker or a lending institution or a financial planning provider. Mybank.com.au is a referral and advertising online platform for banks and other lending institutions. The information provided on this website is general in nature and is not intended to constitute financial, or credit and personal advice. The information on this website has been prepared without taking into consideration your financial objectives, your financial circumstances, or financial needs. You should seek applicable advice from a legal, accounting and financial professional and consider the advice in context of your own financial circumstances and financial objectives before undertaking such recommendations. To note that if any lending or financial product has been advertised or proposed on this website, you should obtain and consider the applicable Product Disclosure Statement from the issuing institution and consider whether the product is suitable for your personal and financial objectives. We are not a credit provider, we are not a mortgage provider or finance specialist. We are an online service platform that connects interested consumers to contact our lending partners such as banks or specialist finance brokers. All banks and lenders have their own credit assessment criteria. Our online calculators only provide estimates or repayments and do not constitute an offer of credit or provide official quotes as our calculators do not take into consideration the type of products, features, or any applicable or ongoing fees. Any rates advertised are subject to change without notice. As an industry protocol, all applications for credit are subject to lender credit assessment underwriting policies, valuation, and approval policy.  Mybank.com.au is an online referral network service provider that allows consumers to connect with our lending partners.