Mortgages Australia
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4.89% | 5.20%
We fight for fair rates for everyday Australians You deserve a better deal
Variable rate
​​​Variable, P&l, Owner Occupied, LVR < 60%. Introductory rate for 2 years.
$150,000, 25 yr with upfront fee $199. 2 years @ 4.89% then 23 years @ 5.24%.
Comparison rate​​
RateUnity saving examples
Loan Value | Monthly Repayments | RateUnity Savings/month* |
|---|---|---|
$1,500,000 | $7,952 | $1,372 |
$1,000,000 | $5,301 | $915 |
$636,208 | $3,373 | $582 |
$400,000 | $2,120 | $366 |
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 4.89% (comparison rate 5.20%).​​​ Introductory rate for 2 years.
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Note: $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. Loan discussion
3. Provide documents
4. Hero Bank Decision
Fill out our online form and see your potential RateUnity savings.
Discuss your mortgage 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
Mortgage Specialist Australia
Finding the right home loan is crucial for homeowners and investors alike. RateUnity makes this easier by leveraging strength in numbers to help secure competitive mortgage rates. By combining technology with a community-driven approach, we simplify the process and ensure borrowers can explore sharper options with confidence.
Strength in Numbers for Lower Mortgage Rates
The mortgage market can feel complex, with varying rates and lender requirements. RateUnity brings people together to unlock fairer mortgage rates and, where needed, provides access to over 40 banks through our broker partners.
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​Empowering Everyday Australians
RateUnity is committed to making homeownership more accessible and affordable. With a focus on simplicity, fairness and transparency, our approach helps everyday Australians benefit from sharp rates and a process designed to put their needs first.
Why RateUnity is different?
Choosing the right mortgage partner is crucial. We prioritise transparency, affordability, and customer service. By eliminating trailing broker commissions and offering competitive rates, we ensure you receive ethical and cost-effective lending solutions.
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Streamlined Online Application Process
We make applying simple with our easy-to-use digital system. Through RateUnity’s four-step process, borrowers can apply, receive an evaluation, and secure approval for our home loan product efficiently with less paperwork and fewer in-person meetings.
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Secure & Confidential Handling of Your Information
We prioritise the security of customer data, implementing advanced encryption and privacy measures to protect your personal and financial information. RateUnity is ASIC-accredited and holds an Australian Credit Licence, meeting the highest regulatory standards.
Our Mortgage Services in Australia
Finding the right mortgage solution is essential for securing a home that fits your lifestyle and budget. We offer a range of mortgage services tailored to meet the diverse needs of Australian homeowners and investors. With competitive rates and flexible loan structures, borrowers can confidently choose the best option for their financial goals.
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Owner-Occupied Home Loans
We tailor our mortgage options to suit your situation, helping you find the right balance between affordability and flexibility.
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​Variable Rate Options - flexibility to benefit if rates fall.
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​Fixed Rate Options - stability with predictable repayments.
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​Split Loan Options - a mix of fixed and variable for balance and peace of mind.
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Investment Property Loans
Build long-term wealth with investment finance structured around your property goals.
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​Competitive Rates - access sharper rates through our collective bargaining model.
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​Flexible Repayments - choose from interest-only or principal & interest to suit your strategy.
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Refinancing Solutions
Refinancing can lower repayments, consolidate debts, or unlock equity.
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​Lower Monthly Repayments - secure sharper rates to reduce cash flow pressure.
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​Debt Consolidation - roll multiple debts into one manageable repayment.
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.
Frequently Asked Questions
How does RateUnity secure lower rates?
We negotiate directly with lenders using the collective strength of multiple borrowers and by reducing commissions. Where our product isn’t the right fit, we also work with broker colleagues who have access to 40+ lenders.
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Will applying affect my credit score?
Checking your options with RateUnity won’t affect your credit score unless a formal application is lodged.
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What is Open Banking?
Open Banking allows secure data sharing (with your consent). We use it to quickly assess your profile and match you with the most suitable loan solution.
Contact Us
For more information about securing a competitive mortgage rate, contact RateUnity. Our team makes the process simple, giving you access to sharp rates direct from RateUnity and the option to connect with lenders and partners if another product is a better fit. Whether you’re interested in refinancing, exploring home loan options, or reviewing investment property finance, we’re here to help you see what’s available.