Refinance Mortgage Australia
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5.39% | 5.70%
We fight for fair rates for Australian investors. You deserve a better deal.
Variable rate
Fees & eligibility apply. Rates subject to change. RateUnity Pty Ltd ACL 554016.
Comparison rate
RateUnity saving examples
LoanValue | Monthly Repayments | Savings/month |
|---|---|---|
$1,500,000 | $8,414 | $910 |
$1,000,000 | $5,609 | $607 |
$636,208 | $3,569 | $386 |
$400,000 | $2,244 | $243 |
Important Information: Advertised rates include a 0.35% p.a. discount for the first 2 years, reverting to the standard variable rate thereafter. Comparison rate based on $150,000 over 25 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Loan-to-Value Ratio (LVR): the percentage of a property's value that a lender is willing to finance, calculated by dividing the loan amount by the property’s value. Rates are variable and subject to change. Fees, charges, eligibility criteria and lending conditions apply.
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
Hero Bank
Community Strength
RateUnity offers low referral fee and no ongoing commission to banks in exchange for lower mortgage rates for customers.
RateUnity negotiates directly with banks and has pre-arranged competitive rates for customers.
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
Pier Culley, RateUnity founder, combines deep financial expertise with a commitment to ethical mortgage practices.
NON BANK MORTGAGE PRODUCTS
Mortgage Products to Support more Customers
Not everyone has a clean credit record or 2 years financials for their new business. There can be a variety of scenarios where customers may not fit into the usual credit policy standard, RateUnity is able to provide support and potential options where major banks are unable to help.
Signs It's Time to Refinance
Understanding when refinancing may be worthwhile can help homeowners take advantage of more competitive loan conditions. Common situations include:
Interest rates have changed
If market mortgage rates are lower than your current loan, refinancing may reduce overall costs. Staying aware of rate movements can help identify opportunities.
Improved credit position
A stronger credit score may increase eligibility for sharper rates. Over time, this can lead to lower repayments and improved loan options.
End of Fixed-Rate Term
When a fixed-rate period ends, homeowners often move to the lender’s standard variable rate. Reviewing other available options at this point can highlight more competitive alternatives.
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 means replacing an existing mortgage with a new loan that has different terms. This could involve a lower interest rate, a different repayment structure, or access to equity. The aim is to align the mortgage more closely with the borrower’s current financial situation.
What are the costs involved?
Refinancing may include costs such as discharge or exit fees from the existing lender, and application or registration fees for the new loan. These vary by lender and by state. Borrowers should weigh these costs against any potential savings when considering refinancing.
How long does the process take?
The refinancing process usually takes several weeks, depending on the lender and the borrower’s circumstances. Digital applications can help reduce paperwork and may shorten the timeframes, but approval speed remains subject to each lender’s processes.
Can I refinance with bad credit?
Some lenders may consider applications from borrowers with lower credit scores, though the terms and rates offered will depend on individual circumstances. Each case is assessed according to the lender’s policies.
Contact RateUnity Today
For homeowners considering refinancing in Australia, RateUnity offers a simple way to explore competitive mortgage rates through the power of collective bargaining. Whether your goal is lower repayments, debt consolidation, or accessing home equity, we provide a transparent process to help you see what options may be available.