Owner or Investor How to Leverage Rate Advantage for Maximum Returns

Why investors should take note

If you’re an owner or investor and your rate is still in the 5s or 6s, you could be paying more than necessary. In today’s market, even a small difference in your mortgage rate can significantly impact cash flow, rental yield, and long-term wealth.

Right now, some of the lenders we partner with are offering investment loan options starting from:

• Investment principal and interest 5.04% (CR 5.35%)

• Investment interest only 5.39% (CR 5.70%)

Investment loan comparison

Loan type	RBA Avg (Jul 2025)	RateUnity (LVR <60%)
Investment principal and interest	5.87%	5.04% (CR 5.35%)
Investment interest only	6.05%	5.39% (CR 5.70%)

What does that mean in savings?

On a $1,000,000 loan:

• Every 0.10% rate change = about $83 per month

• The gap between 5.87% and 5.04% = approx. $690 per month or $8,280 per year in potential savings

That’s money that could boost your rental cash flow, reduce principal faster, or build long-term wealth. Over five years, the difference could add up to more than $41,000.

Why timing matters

The RBA’s cash rate changes flow through to investor rates, but not always evenly. Some lenders move quickly, others take longer. Checking your rate now ensures you don’t miss out on sharper options already in the market.

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.

How to get started

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 License 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