dfinanz is an Australian-based fintech company. We are not a Lender, Broker or Search Engine, dfinanz is a "social market network" and our “products” are fair and transparent consumer finance transactions – not the loans themselves. We’ve created the "Fair Rate Movement”, which seeks to unite the voices of bank customers by sending a very clear message to their banks: We think your home loan rates are unfair, and we know what our Fair Rate is. Domestically we operate an online home loan refinancing platform, "The Fair Rate Market", which allows us to facilitate introductions between existing home loan borrowers and lenders who are interested in providing “fair” interest rates. Borrowers simply, securely, and anonymously upload their existing home loan details onto our platform, allowing others to compare and contrast these details, and to use this information to help determine their own "Fair" borrowing rate – the rate they would seriously consider to refinance their existing home loan. We don’t charge the borrower for this service, nor are they under any obligation to refinance their loan via our platform.
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The Fair Rate Movement seeks to unite the voices of bank customers globally by sending a very clear message to these banks: We think your rates are unfair, and we know what our Fair Rate is.
The Fair Rate List is where a summary of the Fair Rates of people just like you can be found. Regardless of whether you are a registered user or not, you will have ‘view only’ access to the Fair Rate List. You can access the full list from the Social Network by clicking on the‘View List’. The default view of the list is the entire Fair Rate List for the world. The user can then click on the continent that is of interest and the Fair Rate List will be refreshed to display Fair Rates that relate to that continent. The user can filter the Fair Rates by continent, country and region.
Submitting your Fair Rate can be done anonymously and is as easy as (1) clicking on 'Fair Rate' menu at the top of the screen and (2) filling out the form and submitting it. The entire process shouldn't take any more than 2 minutes. Viewing the complete Fair Rate List (in addition to being able to filter by location) is as easy as clicking on the 'View List' button at the bottom of the Fair Rate List and then (1) clicking on your continent (2) selecting your country from the drop down box and (3) selecting your state/region.
The more people who anonymously enter their home loan details into the Fair Rate list, the more pressure we will place on the banks to be competitive, transparent and prompt in their dealings with us. We want lower borrowing rates and we encourage accredited financial institutions to work with dfinanz if they are serious about assisting our Fair Rate Movement Users to achieve this.