RateUnity offers a variable rate of 5.64% or 5.25% Fixed. What are you waiting for? Join us and start saving sooner. Rate Unity uses strength in numbers to negotiate wholesale rates. Check Savings with RateUnity!
Answer a few quick questions, and check your savings, approve the switch online, and enjoy lower Rate Unity payments.
RateUnity Mortgage Broking
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5.64% | 5.94%
We fight for fair rates for everyday Australians. You deserve a better deal.
Variable rate*
​​​*Variable, P&l, Owner Occupied, LVR < 60%.
** $150,000, 25 yr with upfront fee $199.
Comparison rate**​​
Mortgage Broker Australia
RateUnity saving examples
Loan Value | Monthly Repayments | RateUnity Savings/month* |
|---|---|---|
$1,500,000 | $8,649 | $675 |
$1,000,000 | $5,766 | $450 |
$636,208 ** | $3,668 | $286 |
$400,000 | $2,306 | $180 |
*RateUnity Savings is based on a 30 year Owner Occupied, P&I, mortgage with <60% LVR, using the average Australian Variable rate of 6.34% (RBA September 2024) and comparing it with RateUnity's Basic Variable rate 5.64% (comparison rate 5.94%).​​​
** $636,208 represents the average Australian mortgage, which helps to understand the average significant savings.
Easy steps to lower mortgage repayments
1. RateUnity Submission
2. Chat with Hero Bank
3. Provide documents
4. Hero Bank Decision
Fill out our online form and see your potential RateUnity savings.
Discuss your mortgage with our Hero Bank and provide additional details.
Provide verification and additional documents to support your application.
Bank reviews application and documentation to provide mortgage decision.
How RateUnity is different
We fight for fair rates for everyday Australians — here's how we make it happen.
Greater Savings
RateUnity offers low referral fee and no ongoing commission to banks in exchange for lower mortgage rates for customers.
Hero Bank
RateUnity negotiates directly with banks and has pre-arranged competitive rates for customers.
Community Strength
By using Strength in Numbers and uniting mortgage holders, we harness collective bargaining power.
RateUnity has an Australian Credit Licence and is regulated by ASIC
We protect your details with strict privacy standards and robust electronic security
Meet our founder
“My journey began with a dream to improve the financial lives of Australians. At RateUnity, we blend deep financial expertise with a commitment to ethical practices. This mission is about more than just mortgages—it's about empowering homeowners with trust and significant savings.”
Pier Culley
Founder RateUnity
The RateUnity Team
Jarrod Brooks
Shareholder & Partner
Jarrod utilizes strategy and stakeholder diplomacy to collaborate with boards and C-suite executives, driving growth across Asia-Pacific markets. His expertise spans real estate capital, governance, and strategic alliances, enabling ambitious expansion goals while safeguarding business interests.
Chris Dadej
Shareholder & Partner
A technology executive with 20+ years in Co-CEO, CTO & CPO roles, driving transformation and strategic innovation. Combining technical expertise & business acumen, Chris builds high-performing teams & delivers digital solutions that drive growth, elevate customer experience & boost operational efficiency.
Santiago Burridge
Shareholder & Partner
Santiago founded several Financial Services businesses during his career and now invests his energy in companies that aim to achieve great things. Rate Unity is one of those companies, as it has the potential to help thousands of Australian Families lead better lives and get better outcomes.
Sascha Flook
Shareholder & Partner
Sascha began her career as an IT Manager at Australian Geographic, leveraging her expertise in business operations and technology. She now leads Digital by Sasch, specializing in creative, customer-centric marketing for wellness, finance, and real estate sectors.