Secure Competitive
2-Year Introductory
Variable Rates
Find a mortgage that saves more.
RateUnity uses strength in numbers and negotiates directly with the banks for a competitive rate for you!
RateUnity 2yr discounted Basic Variable rates starting at 4.89%
Note: Interest rates displayed on this website are accurate as of 16th August 2025. Please note that interest rates are subject to change without notice and may vary depending on factors such as lender policies, loan amount, and individual circumstances. Always confirm current rates directly with the lender or financial institution before making decisions.
* Loan-to-Value Ratio (LVR) is 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 and expressed as a percentage.
**Comparison rates are legally required to help consumers understand the true cost of a loan by combining the interest rate with most fees and charges into a single percentage. The stated comparison rate is based on a loan amount of $150,000over a 25-year term and is provided for comparison purposes only. Actual costs may vary based on your individual circumstances.
RateUnity 2yr discounted Offset Variable rates starting at 4.99%
Note: Interest rates displayed on this website are accurate as of 16th August 2025. Please note that interest rates are subject to change without notice and may vary depending on factors such as lender policies, loan amount, and individual circumstances. Always confirm current rates directly with the lender or financial institution before making decisions.
* Loan-to-Value Ratio (LVR) is 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 and expressed as a percentage.
**Comparison rates are legally required to help consumers understand the true cost of a loan by combining the interest rate with most fees and charges into a single percentage. The stated comparison rate is based on a loan amount of $150,000over a 25-year term and is provided for comparison purposes only. Actual costs may vary based on your individual circumstances.
RateUnity 2yr discounted Variable Interest Only rates starting at 5.49%
Note: Interest rates displayed on this website are accurate as of 16th August 2025. Please note that interest rates are subject to change without notice and may vary depending on factors such as lender policies, loan amount, and individual circumstances. Always confirm current rates directly with the lender or financial institution before making decisions.
* Loan-to-Value Ratio (LVR) is 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 and expressed as a percentage.
**Comparison rates are legally required to help consumers understand the true cost of a loan by combining the interest rate with most fees and charges into a single percentage. The stated comparison rate is based on a loan amount of $150,000over a 25-year term and is provided for comparison purposes only. Actual costs may vary based on your individual circumstances.
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.