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A new year brings fresh goals, fresh focus, and for many Australians, a fresh look at their finances. If one of your goals for 2026 is to reduce financial pressure, improve cash flow, or simply stop paying more than you need to on your mortgage, January is one of the smartest times of the year to review your home loan. At RateUnity, we see January as the reset point. It is when households are most open to change, banks are actively competing for new lending, and small adjustm

A new year is the perfect time to reset, especially when it comes to your mortgage. For many Australian households, the home loan is the single biggest financial commitment they carry, yet it is often left on autopilot for years. If you are heading into the new year with rising living costs, school fees, travel plans, or simply wanting more breathing room each month, reviewing your mortgage could make a meaningful difference. Why the New Year is the Right Time to Review Your

December is a strange time for mortgages. Most people switch off, banks quietly adjust pricing, and many borrowers assume nothing happens until February. That assumption can be expensive. While the RBA has not moved the cash rate this month, lenders continue to make independent pricing decisions behind the scenes. Some remove sharp discounts before Christmas. Others quietly reprice for the new year. If you wait until January to look at your home loan, you may already have mis

Christmas is a time for shopping lists, family gatherings, and making the most of our holiday budgets. But while we are all focused on presents under the tree, the biggest saving opportunity could be sitting quietly in your home loan. After a year of rising living costs, many households are feeling the pressure. The good news? Lenders are currently competing for new customers and offering sharper rates and acting this side of Christmas could mean hundreds of extra dollars in

Everyone is looking for Black Friday deals, but the biggest saving this month is not at the shops. It is on your mortgage. With lenders offering sharp rates under 5 percent, now is the smartest time to review your loan. My new blog explains why.

The RBA kept the cash rate on hold in November, which many homeowners see as a sign to “wait and see”. But holding off can mean missing out on genuine savings. Lenders don’t always follow the RBA they adjust their own rates, remove discounts, or tighten policy at any time. Refinancing now allows you to lock in a lower rate if you’re eligible and improve cash flow straight away. And if rates fall further next year, you can always refinance again. The cost of waiting, meanwhile

The Reserve Bank of Australia held the cash rate again in November, keeping it at its current level while it continues to manage inflation. For Australian homeowners, this means mortgage rates are still sitting higher than many would like and the gap between average  rates and competitive  market rates is more important than ever. Even when the RBA keeps rates steady, many lenders do not automatically reduce their home loan rates. In fact, a significant number of borrowers ar

Some days, I’m knee‑deep in client calls. Other days, I’m answering emails from the car between school runs. And during the holidays? I’m half mortgage broker, half chief entertainment officer for my son, Magnus. Sound familiar? The truth is, many of us are trying to keep up with work, with family, and with rising rates. And it can feel like there’s never enough time or money to go around. That’s exactly why I created RateUnity. Because saving on your mortgage shouldn’t feel

Well, it's the end of the school holidays woohoo! Being a working mum to an 8 year old boy Magnus during this time is always a mix of fun-filled adventures, meetings, and deadlines squeezed between beach days and bedtime stories. There were late nights, early mornings, and a little guilt over the work I could have done but also so many beautiful moments: beach walks (sometimes with my laptop in tow), pool playdates, movies, bike rides, hikes, snorkeling, and surfing. Finding

If your loan starts with a 5% or 6%, it may be time to check your rate Paying more than you need to? Is your loan rate still in the 5% or...

Why investors should take note If you’re an owner or investor and your rate is still in the 5s or 6s, you could be paying more than...

Refinancing could save you thousands. See how one Aussie is saving $700/month with RateUnity’s low mortgage rates, starting from 5.39%.

The RBA has reduced the official cash rate by 0.25%, bringing it down to 4.10% in February 2025. If you’re wondering how this affects...

Mental Health Month is a reminder that our well-being is shaped not only by our emotional and physical health but also financial health.

Sharing our RateUnity journey, of using strength in numbers to get better rates for the average Australian.

Hi, I’m Pier Culley, and I’m the founder of RateUnity. I want to share a bit about my journey and why I started RateUnity. For the past...