Exciting Announcement: Discover Our New Introductory Variable Rates Starting at 4.89%

If your loan starts with a 5% or 6%, it may be time to check your rate

Paying more than you need to?

Is your loan rate still in the 5% or 6% range? It might be time for a rate check. Even small differences in interest rates can have a big impact on your monthly budget, especially in today’s market where every dollar counts.

Currently, our partner lenders are offering introductory variable rates from 4.89% (Comparison Rate = CR 5.20%). For many Australians, that’s a chance to save hundreds of dollars each month without extending their loan term.

How much could you save?

On a $1,000,000 loan, every 0.10% in rate difference equals about $83 per month. It might not sound like much, but it quickly adds up.

Example

• RBA’s average new loan rate (July 2025): 5.75%

• RateUnity partner introductory rate: 4.89% (CR 5.20%)

That 0.86% gap works out to around $690 per month or $8,280 per year in savings. Over five years, that’s more than $41,000 money that could go toward school fees, renovations, or paying down your loan faster.

Why timing matters

The Reserve Bank’s rate cycle continues to shift, and lenders respond at different speeds. Acting sooner rather than later can help you capture sharper rates before they change. Many borrowers sit on their existing rate for years, not realising the cost of inaction.

Our approach

We keep mortgages simple: sharp rates from RateUnity, with access to 40+ banks through our broker partners if our loan isn’t the right fit.

Next steps

1. Register on the website

2. Select a time for a call back

3. Meet with me

4. Start the process to save

www.rateunity.com.au | 0403 042 642

Important information

RateUnity Pty Ltd ACN 668 166 283 | Australian Credit Licence 554016The information in this blog is general in nature and does not take into account your objectives, financial situation, or needs. Please consider whether it is appropriate for you before acting. The lowest available interest rate may not be suitable for your circumstances. Eligibility criteria, lender policy, product availability, and features may vary. Credit conditions, fees and charges may apply.

Written by Pier Culley, Founder of RateUnity