Investment Broker Australia
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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
Investment Broker Australia
Investing in property is a strategic way to build wealth and secure financial stability. RateUnity, a trusted investment broker in Australia, simplifies the loan process by leveraging collective bargaining power to negotiate competitive rates. With a transparent and streamlined approach, we empower investors to access fair and ethical mortgage options tailored to their financial goals. The platform also provides expert guidance to help investors make informed decisions, ensuring long-term success in property investment.
Why Choose RateUnity As Your Investment Broker?
Choosing the right investment broker is crucial for securing the best loan terms and maximising returns. we provide investors with a transparent, fair, and efficient mortgage process, eliminating unnecessary fees and offering competitive rates. With a focus on ethical lending and customer empowerment, RateUnity ensures investors have access to cost-effective and reliable financing solutions.
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Strength in Numbers
RateUnity leverages group purchasing power to negotiate better mortgage rates for investors. By uniting borrowers, the platform strengthens collective bargaining, leading to improved loan terms. This approach helps investors secure competitive rates that may not be available to individual applicants.
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Collective Bargaining for Lower Rates
RateUnity unites property investors to negotiate wholesale mortgage rates with banks. By pooling borrowers together, the platform enhances collective bargaining strength, securing competitive loan terms that individuals may not achieve on their own. This approach ensures that investors benefit from reduced interest rates, leading to significant long-term savings.
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Zero Brokerage Fees
We eliminate brokerage fees, ensuring investors keep more of their money. By removing unnecessary costs, the platform allows borrowers to access lower mortgage rates without hidden charges or ongoing commissions.
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Transparent and Ethical Practices
At RateUnity, we prioritise transparency by maintaining a low, upfront referral fee instead of relying on bank commissions. This ensures that investors receive the full benefits of lower mortgage rates without hidden costs or inflated interest rates. By removing unnecessary brokerage fees, RateUnity fosters trust and ensures fairness in the mortgage process.
Streamlined Online Application
We simplify the mortgage process with an easy-to-use digital platform, reducing paperwork and wait times. Investors can complete applications online efficiently, ensuring a seamless borrowing experience.
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Secure and Confidential Process
The loan application process is designed for efficiency. With our four-step online system, investors can submit applications, receive evaluations, and secure financing seamlessly. Advanced electronic security measures ensure that personal and financial data remain protected throughout the process. The platform's user-friendly interface also allows investors to track their application status in real-time.
Understanding Investment Property Loans
Investment property loans help buyers generate rental income and build wealth. They have specific criteria, such as deposit requirements, interest rates, and repayment structures suited for investors. Choosing the right loan maximises returns and supports long-term financial goals.
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What Is an Investment Property Loan?
An investment property loan is designed for individuals looking to purchase property for rental income or capital appreciation. These loans have different lending criteria compared to owner-occupied home loans, with terms that cater specifically to investors. Proper financial planning and choosing the right loan type are crucial to maximising investment returns.
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Key Differences Between Owner-Occupied & Investment Loans
Investment loans typically come with slightly higher interest rates and different tax implications than owner-occupied loans. Lenders assess rental income potential and borrower risk differently, making it essential to choose the right mortgage structure to maximise returns. Understanding these distinctions allows investors to plan their finances effectively and leverage tax benefits.
Benefits of Investing in Property
Property investment provides financial security through rental income and potential capital appreciation. It offers investors long-term stability, tax advantages, and diversification within their portfolios.
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Potential for Rental Income
Investing in property provides an opportunity to generate rental income, offering a steady cash flow that can help cover mortgage repayments and other expenses. This consistent revenue stream can contribute to financial security and long-term wealth accumulation.
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Long-Term Capital Growth
Real estate investment offers the potential for long-term capital growth. Over time, property values tend to appreciate, contributing to wealth accumulation and financial security. Investing in high-growth areas can further enhance returns, making property an attractive long-term asset.
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RateUnity's Investment Loan Options
RateUnity offers a range of investment loan options to suit different financial strategies and risk preferences. Whether you prefer flexibility, stability, or a combination of both, there is a loan structure designed to align with your investment goals.
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Variable Rate Investment Loans
Variable rate loans offer flexibility, with interest rates fluctuating based on market conditions. This can benefit investors looking to take advantage of lower rates when they become available. Borrowers should consider market trends and economic forecasts when opting for a variable rate loan.
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Fixed Rate Investment Loans
Fixed rate loans provide stability by locking in an interest rate for a specified period. This option is ideal for investors who prefer predictable repayments and protection against market fluctuations. Fixed loans allow for better budgeting and long-term financial planning.
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Split Loan Options
A split loan combines the benefits of both fixed and variable rates, allowing investors to balance stability with potential savings. This hybrid approach gives borrowers flexibility in managing their mortgage repayments while minimising financial risks.
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
What Are the Eligibility Criteria for Investment Loans?
Eligibility depends on factors such as credit history, income, deposit size, and the investment property's rental potential. Lenders assess these factors to determine borrowing capacity and loan approval. Understanding these requirements can help investors prepare and strengthen their loan applications.
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How Does RateUnity Secure Lower Rates?
RateUnity negotiates directly with banks using the collective strength of multiple investors. This group bargaining approach allows for wholesale rates that are more competitive than many standard retail investment loan options. This method enables investors to access lower-cost financing, improving their overall investment profitability.
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Will Applying Affect My Credit Rating?
Checking loan options with RateUnity does not impact credit scores unless a formal application is submitted to a lender. Investors can compare rates and terms without immediate effects on their credit history. Taking advantage of RateUnity's comparison tools allows investors to make informed decisions without financial repercussions.
Contact RateUnity Today
For more information about securing an investment loan. Our team is available to assist investors in finding the most suitable loan options tailored to their financial strategies. Contact us for expert guidance on investment mortgage solutions. RateUnity is committed to providing ethical and transparent investment loan services that support your financial success.