Free Service
Our personal loan broking service costs nothing. You get the same loan from the same lender at the same rate as going direct.
Compare electricity, gas and internet plans from over 20 energy providers and 149 NBN providers in one place, for free.
Mates Rates Mortgage Brokers does not just help you save on your home loan. Through our partnership with a leading digital bill comparison platform, we offer a free compare-and-switch service that scans your existing household bills, identifies better deals, and handles the switch to your new provider once you have made your choice. No obligation. No cost. No hours spent comparing plans online
20+
Electricity providers
19
Gas Providers
149
Australia’s original & best cash-back broker
Both are forms of personal finance, but they differ in how they can be used, the security required, and the interest rates that apply. Here is a quick comparison:
| Charge type | What it covers |
|---|---|
| Supply charge | A fixed daily charge that covers the cost of maintaining the network and transporting power to your home or business. Charged regardless of whether you use any energy. |
| Usage charge | The amount of energy your home or business consumes. Calculated by each kilowatt-hour (kWh) of electricity or each megajoule (MJ) of gas. |
| Tariff | The total amount you are charged for your energy consumption, including both fixed supply charges and variable usage charges. |
When comparing electricity or gas plans, always compare the total cost, including both supply and usage charges. A plan with a low usage rate may have a high daily supply charge, making it more expensive overall. Our comparison service factors in all charges to give you an accurate picture.
The right NBN data allowance depends on your household size, how you use the internet, and whether anyone in your household works from home. As a general guide:
| Household size | Data needed per month | Usage profile |
|---|---|---|
| 1 to 2 people | 100 to 250 GB | Light browsing and streaming |
| 2 to 3 people | 250 to 500 GB | Regular streaming, some remote work |
| 4+ people | 500 GB or more | Streaming, gaming, video calls, work from home |
Most NBN plans in Australia now offer unlimited data, so the main differentiators are speed tier (NBN 25, 50, 100, or 1000), peak-hour speeds, and price. Our comparison service filters by all of these factors to find the best NBN deal for your household.
Our personal loan broking service costs nothing. You get the same loan from the same lender at the same rate as going direct.
Our brokers assess your financial situation and personal goals to match you with the most suitable loan type and lender from our full panel.
We compare car loans and personal loans across banks and non-bank lenders to find the best rate and terms for your needs.
You get the same interest rate you would receive going directly to the bank, with no broker markup on your personal loan.
We handle the comparison, paperwork, and lender communication so you can focus on your goals rather than the finance process.
We identify the right lender before you apply, reducing the risk of multiple credit enquiries affecting your credit score.
Our four-step process is designed to get you a better deal in the time it would take you to look at just a handful of plans yourself.
1
We scan your current electricity, gas, and internet bills to extract all the details we need, including your usage patterns, tariff type, and current provider.
2
We compare plans from across our provider panel and calculate your projected savings on each alternative, factoring in your usage, location, and household size.
3
We present you with the best alternatives. There is no obligation to switch. You choose the plan that is right for you, or you stay where you are with a clear picture of your options.
4
Once you choose a new plan, we send your details to the provider on your behalf and confirm once your plan transfer is complete.
Our free comparison service covers all major utility categories for households and businesses across Australia:
Your energy bill consists of two components. Supply charges are a fixed daily fee that covers the cost of maintaining the network and delivering power to your property, charged regardless of whether you use any energy. Usage charges are calculated on the amount of energy you consume, measured in kilowatt-hours (kWh) for electricity and megajoules (MJ) for gas.
Your tariff is the total rate you pay for energy, encompassing both the fixed daily supply charge and the variable usage charge. Different tariff structures apply in different states and for different meter types. Single-rate tariffs charge the same usage rate at all times. Time-of-use tariffs charge different rates depending on when you use energy, with peak periods costing more than off-peak periods. Our comparison service identifies which tariff structure is available to you and finds the best plan within it.
There are 149 NBN internet providers in Australia. The range of plans, speeds, and prices across these providers varies significantly. Our comparison service searches across the full panel of available providers in your area and filters by speed tier, data allowance, contract terms, and price to find the best NBN deal for your household or business.
It depends on your household size, whether you work from home, and how you use the internet. A 4-person household that streams movies, plays online games, and participates in video calls will typically need around 600 GB or more per month. Most modern NBN plans offer unlimited data, so the more important considerations are the speed tier and consistent peak-hour performance. Our comparison service filters by speed and reliability, not just price.
Our free compare and switch service scans your existing bills, finds better alternatives, and switches you over once you choose your new plan. No obligation, no cost, no hassle.
Your energy bill consists of two components. Supply charges are a fixed daily fee that covers the cost of maintaining the network and delivering power to your property, charged regardless of whether you use any energy. Usage charges are calculated on the amount of energy you consume, measured in kilowatt-hours (kWh) for electricity and megajoules (MJ) for gas.
Your tariff is the total rate you pay for energy, encompassing both the fixed daily supply charge and the variable usage charge. Different tariff structures apply in different states and for different meter types. Single-rate tariffs charge the same usage rate at all times. Time-of-use tariffs charge different rates depending on when you use energy, with peak periods costing more than off-peak periods. Our comparison service identifies which tariff structure is available to you and finds the best plan within it.
There are 149 NBN internet providers in Australia. The range of plans, speeds, and prices across these providers varies significantly. Our comparison service searches across the full panel of available providers in your area and filters by speed tier, data allowance, contract terms, and price to find the best NBN deal for your household or business.
It depends on your household size, whether you work from home, and how you use the internet. A 4-person household that streams movies, plays online games, and participates in video calls will typically need around 600 GB or more per month. Most modern NBN plans offer unlimited data, so the more important considerations are the speed tier and consistent peak-hour performance. Our comparison service filters by speed and reliability, not just price.
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