Is Refinancing worth it in 2025? For this Aussie, it meant $700/month in savings!
- Pier Culley
- Mar 26, 2025
- 2 min read
The Sometimes, the decision to refinance your mortgage feels like a grey area.
But for one of our RateUnity customers, it was as clear as black and white.
They refinanced with us and are now saving a massive $700 per month on their home loan. That’s $8,400 a year – back into their pocket.
What does $700/month mean to you?
A family holiday every year?
Freedom from credit card debt?
The ability to build a buffer or get ahead?
Whatever your reason, it’s clear: refinancing could be worth the effort.
🔍 Why Are RateUnity’s Rates So Competitive?
We don’t advertise with big flashy billboards. Instead, we focus on offering discounted brokerage to banks, which gives them the ability to offer discounted mortgage rates to our customers.
It’s a win-win — banks lower their costs, and you get access to better rates.
🏠 Current Home Loan Rates – March 2025
Owner-Occupied Loans (Principal & Interest)
LVR | Variable Rate | Comparison Rate |
≤60% | 5.39% | 5.69% |
60–80% | 5.49% | 5.79% |
Investor Loans (Principal & Interest)
LVR | Variable Rate | Comparison Rate |
≤60% | 5.54% | 5.84% |
60–80% | 5.64% | 5.94% |
All comparison rates are based on a $150,000 loan over 25 years.
🙋♂️ Is It Really Worth Refinancing?
We get it — refinancing sounds like a hassle. But if you're on an older rate, the potential savings are too big to ignore.
Example:
Let’s say your rate is 6.40% and you have less than 60% Loan to Value Ratio (LVR) - the total loan/value of property.
Loan: $624,000
New RateUnity Rate: 5.39%
Monthly repayment drops: From $3,246 → $2,803
If you keep paying $3,246?
Save $115,961 in interest over the life of your loan
Pay off your mortgage 32 months earlier (that’s nearly 3 years!)
📉 What’s the Effort Worth to You?
At RateUnity, we're all about removing the guesswork and giving you real savings.
No pressure. No obligation to switch. Just a chance to find out how much better your rate could be — and how much lighter your financial life might feel.
✅ See How Much You Can Save
It only takes a few minutes to check your numbers. And who knows? You might be the next Aussie saving $700/month, just by making a smarter move.
Written by Pier Culley, Founder of RateUnity
RateUnity Pty Ltd ACN 668166283, Australian Credit Licence 554016
