top of page
Search

Is Refinancing worth it in 2025? For this Aussie, it meant $700/month in savings!

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


Rate Unity - Strength In Numbers

Mortgages

Legal

  • Facebook
  • Instagram
  • LinkedIn
  • Youtube

DISCLAIMER: The information provided on this website is general in nature and is not intended to be specialist or personal advice. The information provided on our website has been prepared without taking into account your objectives or financial needs. You should consider the appropriateness of the advice to your own situation before taking any action. The information provided should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances before making any decision about whether to acquire the product. You can obtain a copy of the Product Disclosure Statement by speaking to a member of our team.

The advice provided in marketing material and posts by RateUnity, our representatives and our partners is to be considered general advice only. It has been prepared without taking into account your specific objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your own objectives and financial needs. If any products are detailed in this presentation, you should obtain a Product Disclosure Statement relating to the products and consider the information provided before making any decisions. You also accept our website Terms and Conditions  when using our website for any purpose, and you acknowledge and agree that RateUnity may use your personal information in accordance with the Privacy Policy. RateUnity Pty Ltd ACN 668166283, Australian Credit Licence 554016.

© Copyright 2024 by RateUnity Pty Ltd

bottom of page