Investment Property Loans Australia
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5.54% | 5.85%
We fight for fair rates for Australian investors. You deserve a better deal.
Variable rate*
Comparison rate**
Fees & eligibility apply. Rates subject to change. RateUnity Pty Ltd ACL 554016.
RateUnity saving examples
Compare your potential monthly savings on investment loans with RateUnity versus the average Australian variable rate.
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 Australian investors — because you deserve a better deal
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
Pier Culley, RateUnity founder, combines deep financial expertise with a commitment to ethical mortgage practices.
Investment Specialist Australia
Investing in property can be one way to build wealth and create long-term financial stability. RateUnity makes this easier by using strength in numbers to help secure competitive rates. With a transparent and streamlined approach, we connect investors with sharper options while keeping the process simple.
Why choose RateUnity?
Selecting the right lending pathway is an important step in any property investment journey. RateUnity focuses on transparency, fairness, and efficiency, helping investors explore competitive rates without the burden of unnecessary fees.
Strength in Numbers
RateUnity brings borrowers together to increase collective bargaining power. By uniting investors, we can negotiate with lenders for rates and terms that may not be available to individuals on their own.
Collective bargaining for lower rates
Pooling customers allows RateUnity to work with lenders to secure sharper mortgage rates. This group approach can deliver loan terms that help reduce interest costs compared to many standard retail offers.
A different approach to fees
Traditional models often involve ongoing trail commissions. RateUnity works differently, using a low referral fee model that focuses on giving customers access to competitive rates upfront.
Transparent practices
We believe in clarity and simplicity. Costs associated with refinancing are explained clearly, with no hidden charges. This helps borrowers make decisions based on genuine rate savings rather than complex fee structures.
Simple and secure process
We simplify the mortgage process with a straightforward digital platform that reduces paperwork and wait times. Investors can complete steps online efficiently, helping to make the borrowing journey easier.
Secure and Confidential Process
Protecting personal and financial data is a priority. Advanced electronic security measures safeguard your information, and you’ll always be able to track progress with transparency at each stage.
What Is an Investment Property Loan?
An investment property loan is a lending product that allows individuals to buy property for investment purposes. Lenders may apply different policies to these loans, which can include assessing rental income and borrower risk separately from owner-occupied lending.
Key differences compared with owner-occupied loans
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Investment loan rates are often slightly higher than owner-occupied rates
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Lenders may consider projected rental income when reviewing applications
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Tax treatment of investment loans can differ from loans for your own home
These differences highlight why lenders treat investment lending separately and why it’s important to review your options.
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.
Our Lending Network
RateUnity works with a panel of lenders and finance providers to deliver competitive mortgage solutions across a range of borrower scenarios.
RateUnity Pty Ltd (ACL 554016) works with a panel of lenders and finance providers. We assess your circumstances and objectives to recommend suitable loan options. Loan approval is subject to each lender’s credit assessment, lending criteria, and terms. Rates, fees, and features are subject to change.
