Home Loan Refinancing
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5.79% | 6.09%
We fight for fair rates for Australian investors. You deserve a better deal.
Variable rate*
​​​*Variable, P&l, Investment, LVR < 60%.
** $150,000, 25 yr with upfront fee $199.
Comparison rate**​​
Three easy steps to lower mortgage payments
1. Application Submission
Fill out your details through our online application form. View savings and decide on product - Basic Variable, Offset or Fixed.
2. Hero Bank Onboarding
Your details are securely transferred to the Hero Bank. When you are onboarded you may have to provide additional details and verification.
3. Offer Acceptance
Review and sign the mortgage offer document. Start enjoying the savings.
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
Home Loan Refinancing Australia
Refinancing your home loan can be a strategic way to reduce your mortgage costs and improve your financial flexibility. At RateUnity, we offer a transparent and streamlined approach to home loan refinancing in Australia, ensuring homeowners gain access to competitive rates through collective bargaining. With no hidden fees and a simplified application process, we make refinancing home mortgage loans in Australia accessible and hassle-free. Whether you are looking to reduce your repayments, consolidate debt, or access home equity, refinancing can be a valuable financial tool.
RateUnity's Approach to Home Loan Refinancing
Refinancing can seem overwhelming, but we simplify the process by offering a structured and efficient approach. By focusing on transparency, affordability, and customer empowerment, RateUnity ensures homeowners receive the best refinancing solutions without the stress of hidden fees or complex procedures.
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Strength in Numbers
Refinancing with us means leveraging the power of group negotiations to achieve better mortgage terms. By bringing together homeowners looking to refinance, RateUnity can negotiate wholesale rates with banks that are typically not available to individual borrowers. This allows homeowners to save on interest and secure a loan that aligns with their financial goals.
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Collective Bargaining for Lower Rates
Lenders offer reduced rates when dealing with large groups of borrowers rather than individual applicants. We harness this advantage to provide clients with savings that wouldn’t be available through conventional refinancing methods. By participating in collective bargaining, homeowners can gain access to wholesale interest rates, improving their financial position over time.
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Zero Brokerage Fees
Many traditional mortgage brokers earn commissions from banks, which can lead to biased recommendations and higher costs for borrowers. RateUnity eliminates brokerage fees to ensure homeowners benefit from the most competitive refinancing options without unnecessary markups.
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Transparent and Ethical Practices
Maintaining a clear and fair fee structure, RateUnity ensures all refinancing costs are upfront with no hidden charges. This approach enables borrowers to make informed decisions based on genuine savings rather than complex commission-based pricing models. Homeowners can trust that their best interests are prioritised, making the refinancing process clear and straightforward.
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Streamlined Online Application
Applying for home loan refinancing has never been easier. RateUnity has developed a user-friendly digital application process that allows homeowners to apply online in just a few simple steps. The platform minimises paperwork and offers real-time updates to keep borrowers informed throughout the refinancing journey.
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Secure and Confidential Process
Security and privacy are key priorities for RateUnity. The platform uses robust encryption measures to protect sensitive customer information. By adhering to strict data security standards, homeowners can feel confident that their personal and financial details remain protected throughout the refinancing process.
Why Refinance Your Home Loan?
Refinancing can provide significant financial benefits, including cost savings and improved loan flexibility. Whether seeking lower repayments or unlocking home equity, understanding the advantages can help determine if refinancing is the right choice.
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Benefits of Refinancing
Refinancing can offer financial flexibility and significant savings over time. It allows homeowners to take advantage of better interest rates, adjust loan terms, and improve cash flow for other financial goals. Additionally, refinancing can provide an opportunity to optimise mortgage structures to better suit evolving financial needs.
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Lower Interest Rates
By securing a lower interest rate, borrowers can reduce the total cost of their mortgage and pay off their loan sooner. Even a slight reduction in interest rates can result in significant long-term savings, making refinancing a cost-effective solution.
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Reduced Monthly Repayments
A refinanced home loan with a lower interest rate can decrease monthly repayment amounts, freeing up household income for other financial goals. This extra cash flow can be used for savings, investments, or everyday expenses.
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Access to Home Equity
Homeowners can refinance to access the equity built in their property, allowing for renovations, investments, or other major expenses. This can be a practical solution for funding home improvements, education costs, or purchasing additional property.
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Debt Consolidation
Refinancing enables borrowers to merge multiple debts into a single loan with a lower interest rate, making repayments easier to manage. This can help reduce financial stress and simplify budgeting by replacing high-interest debts with a structured home loan repayment plan.
Signs It's Time to Refinance
Understanding when to refinance can help homeowners take advantage of better loan conditions and financial opportunities.
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Interest Rates Have Dropped
If current mortgage rates are significantly lower than the original loan terms, refinancing can help reduce long-term costs. Staying informed about market trends can help homeowners identify the best time to refinance.
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Your Credit Score Has Improved
A higher credit score can qualify borrowers for better interest rates, leading to lower repayments and improved loan conditions. Regularly checking credit scores and maintaining good financial habits can increase the likelihood of securing favourable refinancing terms.
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End of Fixed-Rate Term
When a fixed-rate mortgage term ends, borrowers may find more competitive options in the market, making refinancing a cost-effective solution. Comparing available loan products before the end of a fixed-rate period can help homeowners lock in the best rates.
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 Refinancing Work?
Refinancing replaces an existing mortgage with a new loan that has improved terms, such as a lower interest rate or modified repayment structure. This allows homeowners to adjust their mortgage to better suit their financial situation.
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What Are the Costs Involved?
Refinancing may involve costs such as exit fees from the previous lender and application fees for the new loan. RateUnity ensures transparency, so borrowers understand all associated costs upfront. In many cases, the savings gained from refinancing outweigh these initial costs over time.
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How Long Does the Process Take?
The refinancing process typically takes a few weeks, depending on the lender’s approval process. Our digital application streamlines this timeline, making the process faster and more efficient. Homeowners are kept informed at every stage to ensure a smooth transition.
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Can I Refinance with Bad Credit?
Borrowers with lower credit scores may still qualify for refinancing, but the terms and interest rates will depend on their financial profile and lender requirements. Consulting with RateUnity can help assess options and determine the best path forward for refinancing with a less-than-perfect credit history.
Contact RateUnity Today
For homeowners looking to explore home loan refinancing in Australia, RateUnity provides expert guidance and access to competitive mortgage rates. Get in touch to learn more about how refinancing can improve your financial position. Whether you are refinancing for lower repayments, debt consolidation, or home equity access, RateUnity ensures a smooth and transparent process to help you achieve your financial goals