The TOP 10 BEST Excavator & Earthmoving Hire in Northern Rivers NSW

When it comes to excavation and earthworks, let Compass Equipment Hire point you in the right direction. Wet or dry hire is available on our large range of excavators—3-tonne to 29-tonne—such as long-reach excavators, loaders, trucks and dog trailers. We also have a skid steer loader and float for hire. With more than 20 years of plant operation experience, our team can tackle most aspects of earthworks. This includes house sites, dam excavations, site clearing, demolitions and house mounds. As well as providing competitive rates on excavator hire, we also supply, service and fit hydraulic hoses and earthmoving equipment. Our family owned business has been in the industry for more than 50 years, so you can rest assured that we know exactly what you need for your earthworks. We service throughout the Far North and Mid North coasts. To discuss equipment hire options, contact Compass Equipment Hire in Woodburn.

Specialist large crew available for tier one works, but we also welcome local jobs no matter what the size - give us a call! Private, commercial or Industrial projects no job too large or small. Sand, soil and gravel - buy from us and get it delivered too! Fully Insured and ticketed. OH&S is our priority. East Point Earthmoving is one of the few companies that are an Essential Energy Contractor. We can provide underground services working near or around high voltage powerlines.

Wilson Excavations & Plant Hire is the only number to call for excavating in the Northern Rivers. With more than 40 years of industry experience, our team of earthmoving specialists will see to your job quickly and effectively. We provide a wide range of excavating services—from commercial driveway construction and maintenance, right through to large civil work projects. House pads and foundations can also be laid by our expert Northern Rivers earthmoving team. At Wilson Excavations & Plant Hire, we are fully equipped and experienced to handle jobs of all sizes. All of our staff are qualified and licensed to handle our large range of equipment, which includes tip trucks, augers, general-purpose grippers, excavators, bobcats and more. Wilson Excavations & Plant Hire can also provide you with professional earthmoving training and assessments in both QLD and NSW. Call us now for more information! Wilson Excavations & Plant Hire service clients throughout the Northern Rivers and the Tweed Coast.

Excavation contractor in Alstonville, NSW. Excavations and Earthmoving. Horse arena construction. Driveways. Northstar Excavations in Alstonville, NSW, delivers tailored earthmoving solutions for residential and rural clients. Services include bulk earthworks, driveway construction, land clearing, firebreak creation, and horse arena design and installation. The business also offers truck and trailer wet hire and is committed to sustainability by reusing excavated materials where possible. Fully Australian-owned and operated since 2000, the team provides on-site quotes and applies local knowledge to meet compliance requirements. We proudly serve the Northern Rivers and surrounding areas. Contact us today for a tailored quote.

Excavation contractors in Suffolk Park, NSW. Land clearing. Site preparation. Trenching. Post holes. Landscaping. Soil removal. Mini excavations. Civil works. Earthmoving. At Limited Access Excavation in Suffolk Park, NSW, we deliver expert excavation and structural landscaping services, including site levelling, trenching, post hole digging, soil removal and land clearing. Known as a trusted name in the Northern Rivers, we focus on precision and tailored solutions for residential and commercial projects. Our team prioritises reliability, clear communication and a streamlined experience from start to finish. Established in 2017, we proudly serve the Northern Rivers and surrounding areas. Contact us today for an obligation-free quote.

Established since 2007 family owned & operated business for delivering quality & exceeding expectations of clients. Ballina & Northern rivers tip or tipper truck hire. Catering to residential and commercial clients in Ballina, Lismore, Kyogle, Bryon Bay and the surrounding areas, we are the Northern Rivers earthmoving experts. With over a decade of industry experience behind us, we know the ins and outs of excavation, allowing us to give you the best possible service. we thrive on providing the best experience for our clients. Our quality customer services mean our focus is always on providing the best experience we can. For ground-breaking earthmoving services, Tymmo’s Tippers is the name to trust. Contact our friendly team. Whether it's a small backyard project or a big quarry job, Tymmo's Tippers caters to all tipper truck needs in and around Ballina. With different sizes and load capacities, it can be daunting to know which is going to best suit your needs. This is where we come in. Give our experienced team a call today.

Civil construction in Brunswick Heads, NSW. Road and dam building. Bridge and culvert works. Quarry products. Earthmoving and equipment hire. J & M Bashforth & Sons in Brunswick Heads is a trusted civil construction company. Our services include driveway, road, bridges, and dam construction. We also stock quarry products and offer truck, rollers and compactors, excavator and earthmoving hire for bulk and detailed earthworks. Since 1946, our family-owned and operated business has built strong relationships with local specialist subcontractors to provide excellent customer support. We are a member of the Civil Contractors Federation and approved by local government agencies. We serve the Northern Rivers region and nearby areas. Call now!

Get your Coffs Harbour landscaping project underway with the help of Cuthel A & S Earthmoving. We're here to supply you with excavating services when you need it. Whether you need earth moved for a domestic or commercial project, Cuthel A & S Earthmoving is here to clear your land for you. From site excavating to leveling, our Coffs Harbour excavators will get the job done, seven days a week. Need to hire excavating equipment in Coffs Harbour? We have insured modern day equipment for hire, particularly specialising in 30 tonne truck and dog hire. With more than 12 years' experience in land clearing and equipment hire, Cuthel A & S Earthmoving is an Aussie owned company trusted by locals for all their earthmoving solutions. Our excavating experts will provide you with reliable service to suit your budget and needs. For a free quote on our earthmoving services in Coffs Harbour, call Cuthel A & S Earthmoving today.

Border Rockwalls and Excavations have offered their specialist services to the Tweed Coast region for over 15 years. Our team is comprised of specialist retaining wall and earthmoving contractors. We specialise in rockwall besser block, link block and sleeper wall constructions. We also have a fleet of excavators, Bobcats and tipper trucks to help with all your earthmoving needs. We supply a variety of Landscape Supplies including sand, soil, gravel and rock. Rock Supplies can vary from small hand size to large machine handling size. Our current fleet Includes a Kobelco 20-tonne excavator (with Attachments), 2 x 5-tonne Excavators, Hitachi 3-tonne Excavator, Ghel Posi track skid steer loader, Toyota Huski Sdk4 Mini Bobcat and more. Our tipper Trucks Include an Isuzu 10-tonne Boagy Drive, Mitsibishi 8-tonne and Nissan mini tipper.

We make light work out of heavy-duty equipment and haulage at Better Heavy Movers. We have Coffs Harbour covered for all earthmoving and heavy haulage vehicles and equipment. Our team has the skills and equipment to get a range of earthmoving and land clearing work completed. We cover dam sinking, road building and provide exquisitely detailed excavations. If you need some heavy haulage or plant hire, then contact our Coffs Harbour office today. We provide low loader hire, up to 75 ton, along with oversize transport and pilots, for the complete heavy haulage package. Not sure what size flat top is best? We have extendable flat tops up to 18 metres available, offering an unrivalled level of flexibility. When you need heavy haulage or earthmoving equipment anywhere in Coffs Harbour, contact the experts at Better Heavy Movers. We travel anywhere, 24 hours a day, 7 days a week.

Clear your land or site quickly and efficiently with Jagoe Earthmoving & Construction. We take care of all your earthworks and excavation needs in the Clarence Valley. Whether your project is domestic, commercial or industrial, our excavating experts are ready to offer landscape and site preparations tailored to suit your budget and needs. From land clearing and landscape supplies to construction work, Jagoe Earthmoving & Construction carries out all aspects of earthworks on the Central Coast. We're also experts in road construction as well as house, shed and driveway cuts. We pride ourselves on using quality machinery and equipment durable in all environments. Have your site levelled accurately with our laser levelling service. With years of experience in commercial and residential excavation work, we're known for delivering quality and safe workmanship. Rest assured knowing that your project is in safe hands. Get in touch for a free quote from Jagoe Earthmoving & Construction today.

Earthmoving services in Corndale, NSW. Excavation. Earthmoving and slashing. Site cuts. Driveway construction. Access road construction. Rural clearing. Horse arena construction. Septic system drainage. Drain clearing. Domestic and commercial projects. OH&S trained. At Jason Crawford Excavations & Earthmoving, we deliver reliable excavation and earthmoving services for projects of all sizes—from small residential jobs to large-scale commercial works. Whether you need rural clearing, site cuts, slashing, or horse arena construction, we bring the right gear and know-how. Fully trained in OH&S protocols, we prioritise safety and efficiency every step of the way. Servicing the Northern Rivers and surrounding areas—call us today.

Earthmoving services in Monaltrie, NSW. Excavation. Site preparation. Land clearing. Roadworks. Over 50 years in business. At Conlan Bros Earthmoving Contractors, we provide comprehensive earthmoving and excavation solutions for residential, commercial, and civil projects. Our services include land clearing, dam construction, driveways, and heavy machinery hire, ensuring efficient and high-quality results. We also supply sand, soil, and gravel for various construction needs. With over five decades of industry experience, we are committed to delivering reliable and professional service tailored to each project. We proudly serve the Northern Rivers and surrounding areas. Get in touch with us today for more information!

Mid North Coast Contractors are the excavation and earthmoving specialists for big civil works, subdivisions and pipelines. Our team of specialists has the experience and equipment to make short work of all earthmoving requirements. We have the latest GPS Topcon control systems to ensure our machines work smarter and quicker, resulting in faster development and project times for clients. Mid North Coast Contractors are experts in road preparation and construction work. Our Coffs Harbour roadworks service has been contracted by government departments due to the reliability and skill of our operators and our fleet of equipment, including excavators from 6.5 tonne to 33 tonne, backhoes, tipper trucks, rock breakers and much more. Whether it's clearing sites for subdivisions, roadworks or other civil engineering work, our team can get the job done quickly and efficiently. We also provide a range of plant and tipper hires services as well as our main earthmoving contracting work. Contact the Coffs Harbour earthmoving and road construction specialists at Mid North Coast Contractors

You'll be glad you called the experts from Ballina Plant Hire for all your excavation and earthmoving needs. Using 4.5 and 6-tonne rubber-tracked Bobcat excavators, earthmovers, tip trucks and more, we complete a wide range of residential and commercial earthworks. This includes but is not limited to house footings, boring, drainage, slab preparation and levelling. Looking to put a pool in your backyard? Our team will dig out the proposed area as a part of our swimming pool excavation service. We can also assist with landscaping projects, sewerage digs and house site cuts. Servicing throughout the Northern Rivers, our excavation and earthmoving experts will come to you for an arranged on-site visit and provide a free quote for your required work. Book one of the best-known businesses in the industry and call Ballina Plant Hire today.

Pade's Excavations provide excavation & earthwork services to projects for our industrial, domestic, government & commercial business customers. Our team has years of experience working on a variety of both major & small earthmoving projects. With a range of modern excavator equipment and trucks, Pade's Excavations can deliver your next project efficiently & safely.

Precision Vegetation Management based near Lismore and servicing the Northern Rivers area, provides a range of cost-effective services achieving great results, no matter the job size. Through the use of modern and specialised equipment PVM will bring your vision to reality, weather you need to improve access to your property, cut a path for a new fence or just get the grass down on an overgrown paddock, PVM can get it done! As a supplier of vegetation management services to state and local government agencies, PVM is fully insured with qualified and professional staff ready to provide high quality vegetation management services. Give Sam a call to arrange a free inspection.

Byron Earth & Road is a trusted provider of earthmoving and road construction services, specializing in large-scale excavation, land clearing, grading, and road development projects. Based in the Byron area, the company is known for its extensive experience in handling both residential and commercial projects, delivering high-quality results with efficiency and attention to detail.

Earthmoving in South Gundurimba, NSW. Civil construction. Roadworks and pipe laying. Excavator and tipper hire. Driveway levelling. JS Cormack Earthmoving, based in South Gundurimba, NSW, delivers professional earthmoving and civil construction services. Our experienced team provides high-quality results on every job, from concreting and driveway prep to float hire, mini-excavator services, and full-scale site works. With access to trusted machinery brands like John Deere, Caterpillar, and Komatsu, we handle projects of all sizes with efficiency and care. Proudly serving Northern Rivers and Lismore, we tailor our services to your project needs. Call us today for more information on our services!

We go where no regular excavator can go. For those hard to reach places that require earthmoving services, call Gus's Mini Excavations. We specialise in Tweed Coast excavation for hard access areas including backyards, easements, alleyways and narrow footpaths. Servicing the Gold Coast region. For a range of Tweed Coast earthmoving and excavation services in hard access areas speak to our licensed technicians. We can help you with renovations, excavation, earthmoving, concrete pad preparation, under house digs and footings, tree stump removal, posthole boring, rock walls, rubbish removal and storm water drainage. Our mini excavator is so small it can fit through doorways! With Gus's Mini Excavations you not only get a hard access specialist, you also gain a specialist in mini track loaders, three tonne and five tonne excavators, small tippers, rock breakers and jack hammers. We can use this machinery and equipment to ensure your project is completed to your satisfaction. Our services are ideal for domestic and commercial clients, where excavation is required in tight or narrow spaces. Once the job has been completed we can also remove rubbish, debris and green waste from your property to leave it clean and tidy. Gus's Mini Excavations happily service all suburbs in the Murwillumbah, Northern Rivers, Tweed Coast and Gold Coast areas. Talk to us today to secure our specialist services for your next project. Gus's Mini Excavations services from northern rivers to Gold Coast from Byron to runaway bay.

Excavators in Corindi Beach, NSW. Excavations. Earthmoving. Bobcat hire. Dingo hire. Tipper hire. Demolitions. Slab digging. Trenching. House cuts. Civil projects. At Bennettron Demex in Corindi Beach, NSW, we provide expert excavation and earthmoving services for both residential and commercial projects. From slab digs and trenching to demolitions, irrigation, and site cuts, we offer safe and efficient solutions backed by reliable customer service and competitive rates. Our equipment fleet includes bobcats, dingos, and tippers—available 24 hours to meet time-sensitive demands. Proudly serving Coffs Harbour and surrounding areas. Call us today and dig into a job done right!

Northern Rivers Excavation & Tippers is a leading provider of excavation and tipper truck services catering to the needs of clients in the Northern Rivers region. With a strong commitment to excellence and customer satisfaction, we offer a comprehensive range of earthmoving solutions for various residential, commercial, and industrial projects.

Demolition services in Kingscliff, NSW. Asbestos removal. Land clearing. Excavator hire. Waste management. Demolition Byron bay. Tipper Hire. Strip Outs. Lifestyle Demolition, based in Kingscliff, NSW, is your trusted expert for demolition, excavation, and asbestos removal. Using cutting-edge machinery, we handle everything from land clearing and firebreaks to green waste disposal and excavator hire. Committed to sustainability, we integrate eco-friendly practices to minimise environmental impact. We also support public sector and government projects with responsible waste management and recycling solutions. Established in 2019, we proudly serve Kingscliff and surrounding areas. Contact us today!

Welcome to Rod's Excavations, your trusted provider of Excavator & Earthmoving Hire services in Sandy Beach. With our expertise and state-of-the-art equipment, we offer efficient and reliable solutions for all your excavation needs. Whether it's a small residential project or a large-scale construction site, our experienced team will deliver exceptional results. Let us handle the heavy lifting while you focus on your project's success. Contact us today for a quote and let's get digging!

Since our establishment in 1970, McGeary Bros Engineering has been providing high-quality structural fabrication and machining repairs to the Northern Rivers and surrounding regions. Our professional metal fabricators and welders are all trade qualified to offer a comprehensive range of services including machining, welding, milling, sandblasting, fitting and turning. Stocking a full range of materials, we supply sheet metal, fire extinguishers, hydraulic hose and fittings, tools, welding products, batteries and oils. McGeary Bros Engineering provide wet and dry hire of earthmoving equipment, with a wide variety of machinery available such as long reach excavators, loaders, truck and dog trailers, low loader, large lathes, tractors and farm machinery. With more than 50 years of experience in the industry, we have developed our skills to efficiently fit in with your needs. Our skilled operators offer a 24/7 mobile service for hydraulic fittings throughout the Northern Rivers, Grafton and Coffs Harbour. Call McGeary Bros Engineering to discuss our extensive services today.

Specialising in retaining walls & servicing all aspects of earthworks, Robbo's Earthworx are your local experts. Following an engineered structural design, Robbo's Earthworx always ensure that your retaining walls are built strong, durable & reliable. With a mini excavator on hand, we can get to those hard to reach jobs. Our team combines technical proficiency with a keen eye for design to deliver retaining wall solutions that not only serve their primary purpose of soil retention but also enhance the aesthetic appeal of the landscape. Whether you’re dealing with sloping terrain, erosion issues, or simply looking to redefine your outdoor space, our retaining walls are tailored to meet your specific needs. We prioritize using high-quality materials to ensure durability and longevity, and our skilled craftsmen meticulously execute each project with precision. From conception to completion, Robbos Earthworks is dedicated to transforming landscapes through the construction of robust and visually appealing retaining walls, offering both functional and aesthetic benefits for our valued clients. Call today for your free measure and quote.

Landscapers in South Murwillumbah, NSW. Asphalt & bitumen works. Road repairs. Car parks & rural roads. Excavation & earthmoving. Subdivisions & driveways. Landscape supplies. Quarry products. Concrete pipes. Full-service site prep. At C & P Reeve Roadworks in South Murwillumbah, NSW, we provide expert asphalt surfacing, road construction, earthmoving, and subdivision prep for domestic and commercial projects. From car parks to rural roads, we handle everything from excavation to final surfacing using proven techniques and reliable equipment. With over 50 years of industry experience, our skilled team also delivers landscape supplies, pipes, and quarry products. Servicing Murwillumbah and surrounds—call us today.

Excavation services in Round Mountain, NSW. Excavations. Earthmoving. Site clearing. Trenching. Land levelling. Exceptional customer service. At Hardy's Excavations in Round Mountain, NSW, we deliver reliable excavation services with a focus on precision, safety, and efficiency. Our services include site clearing, trenching, earthmoving, and land levelling. With an experienced team and a strong reputation for great customer service, we work closely with clients to ensure each job meets their needs and expectations. Locally owned and operated since 2022, we bring local knowledge, hands-on expertise, and a can-do attitude to every project. We proudly serve the Tweed Coast and surrounding areas. Call us today for a free quote.

At I Dig It Excavations, we are a family-owned and operated excavation business. We specialise in Earthmoving, Site Preparation, Driveways, Landscaping and more. With a deep commitment to quality and safety, we're here to bring your projects to life. Your trust is our foundation, and your satisfaction is our priority. Let's dig in and get the job done right.

We are the preferred excavator in Tweed for a range of contractors. Our extensive fleet of machinery allows us to provide a complete earthmoving service. From site preparation right through to complete house and driveway work, we do it all! Our Tweed Coast excavators will be happy to tackle any retaining walls, post hole boring, pool digs, rock walls and general landscaping work. Wolfe's Rock Walls is fully licensed to operate excavators, tipper trucks and front-end loaders for residential, commercial and industrial sites. Have a civil project? Wolfe's Rock Walls has experience with a range large-scale roadwork and rail contracts. To discuss contract availability, contact Wolfe's Rock Walls today!

Bilson Excavations is a local Tweed Coast excavation, earthmoving and Bobcat hire business. We specialise in site cuts and cleans, footings and slab preparation. Using our Tweed Coast tipper truck, we can also supply and deliver sand, soil, gravel and mulch for your project. Bilson Excavations has an extensive range of excavation and earthmoving equipment for hire, including a 5-tonne excavator, 10-metre tip truck and our Bobcat with a range of attachments. Owned and operated by a qualified mechanic, we consistently maintain our equipment to minimise the risk of costly breakdowns. Whether it's a small backyard job or a large civil project, the team at Bilson Excavations have the knowledge to get the job done right. Our excavation and earthmoving service has been in operation for more than 10 years. As a result, we have built a reputation for quality service and workmanship. For further information, call Bilson Excavations on the Tweed Coast today.

Utility locating in Woolgoolga, NSW. Underground service locating. Ground-penetrating radar. Hydro excavation. CCTV pipe inspections. Pipe repairs. Drain cleaning. Detailed utility surveys. Non-invasive methods. Cable & Pipe Locations in Woolgoolga, NSW, provides expert underground locating services using advanced equipment like ground-penetrating radar. We specialise in identifying cables, pipes, and other obstructions to support safe and accurate excavation. Our team also offers high-pressure hydro-excavation, CCTV inspections, drain cleaning, and pipe relining. Established in 2001, we bring years of trusted service to every project. We serve Woolgoolga and the surrounding area. Contact us today!

For all your pipe construction needs be it water, sewer, telephony, electrical and general construction, we service locally throughout the Northern Rivers Region. We have Directional Drilling, Bobcat, Excavator, Vacuum Excavation Trucks and Trenching Machinery for available for hire - all experienced and professional staff to provide all your construction requirements. Contact us for a quote.

A locally owned and operated business proud of our high quality work and standards. Setting a realistic timeline and working at your needs is our goal.

Servicing all areas of Lismore and the greater Northern Rivers region, Versatile Pumps & Fabrication supply and maintain a variety of pumps. We source a range of well-known brands to suit commercial, residential and rural needs. We offer a mobile service and provide pump repairs in our workshop as well. Our fully equipped service trucks allow us to carry out breakdown servicing onsite, ideal for those urgent jobs. Whether you need repairs for irrigation systems, chemical dosing systems, submersible pumps or sewerage pumps, Versatile Pumps & Fabrication ensure speedy resolution. At Versatile Pumps & Fabrication, we stock Grundfos, Onga, Southern Cross and Lowara pumps. Our team have extensive industry knowledge, so you can rely on our recommendations suiting your specific water supply requirements. In addition to Lismore pump sales and repairs, we can also install irrigation and bore pumps. Our metal fabrication and pipeline design skills mean we will be able to cater for a variety of design needs. To arrange regular calendar servicing or discuss pump sales, call Versatile Pumps & Fabrication today.

Transform your land with help from the team at Accurate Tree Solutions in Lismore. Tree removal, pruning, stump grinding and chemical treatments are just a handful of the services our experienced arborists provide. Whether you need a tree and stump removal service for your home, business, school or commercial property, we will cater to you. Call Accurate Tree Solutions for emergency tree removal in the Northern Rivers. You will be happy to know our experienced climbers are fast and efficient, providing expert tree surgery and removal to clients throughout the area. Whether you're renovating your garden and want to get rid of a tree, or need help tidying up your land after a storm, our arborists will provide the service you need. For expert tree and stump grinding in the Northern Rivers, call Accurate Tree Solutions today! We service clients in Lismore, Goonellabah, Alstonville, Ballina and Casino.

Our plumbers will travel to you - Lismore, Wollongbar, Alstonville and Casino - to provide a complete range of plumbing repairs and maintenance work. From fixing water pressure in showers to unclogging waste disposal units, we offer competitively priced solutions to get everything flowing in no time. If your septic system is failing to empty properly or has overflowed due to excessive rain, we can help. Backflow prevention devices will be serviced and pipe blockages cleared by our licenced plumbers. Not getting a continuous flow of hot water? As qualified gasfitters, we can service your system and a wide variety of gas appliances. This includes ovens, cooktops and heaters. For further information about our plumbing services in Lismore, call us today.

Concrete contractor in Wollongbar, NSW. Driveway resurfacing. Retaining walls. Machinery hire. Steel fixing. Site preparation. ZBM Constructions in Wollongbar, NSW, delivers a range of services for residential and commercial projects, including excavation, concrete works, driveway maintenance, retaining walls, and steel reinforcement. Our business also offers tipper, skid steer, and mini digger hire for site works and specialised tasks. We tailor our services to project requirements, with a focus on safety, accuracy, and regulatory compliance. Equipment and methods are selected to meet the scale and scope of each job. We serve clients in Wollongbar and surrounding areas. Contact us today to discuss your next project!

Rob Powell Plumbing Pty Ltd is a plumbing and stainless steel fabrication expert in the Northern Rivers region, offering professional services and utilising industry accepted equipment for utmost client satisfaction. Established more than a decade ago, our skilled and licensed plumbers will cater to your needs�basic plumbing, drainage, metal fabrication, repairs, maintenance, roofing, gasfitting, excavation and even supplying quality products. We can attend to plumbing and steel fabrication requirements in homes, offices, commercial sites and industrial buildings. Our services cover all your plumbing and stainless steel fabrication requirements in the Northern Rivers, including customised work and design. To deliver top-quality work, we utilise the right equipment such as a fully equipped work truck, water jetter and 4-tonne excavator/tipper. We also have our very own a metal fabrication workshop to build stainless steel benches and commercial kitchens. Rob Powell Plumbing adhere to government stipulated OH&S standards and guidelines. Call our plumbers in the Northern Rivers today!

Ballina Civil is a local company offering the highest standard of civil construction and consultation. We work closely with our clients, engineers and councils within our region, from approval to completion of your projects. Our management and staff have refined their skills and applications through years of experience in the civil construction industry. This allows us to complete projects with unmatched quality and superior outcomes for all of our clients, whilst maintaining the ability to offer the most competitive rates available.