Mortgage Specialist
Collaroy
Home Loan Solutions in Collaroy Sharp Rates, Seamless Support
Finding the right mortgage support is essential to securing a loan that truly fits your needs. At RateUnity, we provide our own competitive home loan product directly, offering sharp rates by reducing traditional broker commissions.
When broader choice is required, we work seamlessly with trusted broker colleagues who have access to over 40 banks and lenders — ensuring you always have a smooth pathway to the right solution.
Our digital-first process, focus on transparency, and customer-first approach make mortgages simpler and more accessible for Collaroy residents.
Strength in Numbers for Lower Mortgage Rates
We believe in the power of collective bargaining to help borrowers access sharper rates and stronger terms. By bringing customers together, we negotiate directly with our lending partners to deliver wholesale-style outcomes.
​
Working Directly for You
We negotiate sharp rates through our own lending partnerships. Where your needs call for different features, we work with broker colleagues who can access a wider panel — keeping the process seamless while extending your options.
​
Transparent and Ethical Practices
We keep fees simple with a low upfront referral fee, while avoiding trailing commissions. This ensures you benefit from fairer lending and genuine cost savings.
​
Empowering Everyday Australians
We’re committed to making finance more accessible. Our approach gives Australians the tools and confidence to achieve their property goals.
Why Choose RateUnity?
Choosing the right mortgage pathway matters. At RateUnity, we prioritise:
-
Direct Rates — sharp home loan rates through reduced commissions.
-
Seamless Options — broader lending access when required, by working with broker colleagues.
-
Easy Applications — a streamlined four-step digital process that minimises paperwork.
-
Secure & Accredited — ASIC-accredited, holding an Australian Credit Licence, with robust data protections.
Our Mortgage Services in Collaroy​​
We provide tailored mortgage solutions for Collaroy homeowners and investors. Whether you’re purchasing a new home, investing in property, or refinancing an existing loan, RateUnity offers its own competitive home loan product directly through our streamlined process.
​
Owner-Occupied Home Loans
Purchasing a home is a major step. We provide flexible structures through our product, and when more choice is needed, we work alongside colleagues to extend your options.
-
​Variable Rate Options - flexibility to benefit if rates fall.
-
​Fixed Rate Options - stability with predictable repayments.
-
​Split Loan Options - a mix of fixed and variable for balance and peace of mind.
​​
Investment Property Loans
Property is a strong wealth-building tool. We provide sharp investment rates through our product and broader loan structures by working with colleagues when required.
-
​Competitive Rates - access sharper rates through our collective bargaining model.
-
​Flexible Repayments - choose from interest-only or principal & interest to suit your strategy.​​
-
​
Refinancing Solutions
Refinancing can reduce costs, unlock equity, or simplify debts.
-
​Lower Monthly Repayments - secure sharper rates to reduce cash flow pressure.
-
​Debt Consolidation - roll multiple debts into one manageable repayment.
RateUnity Interest & Comparison Rates
Note: Interest rates displayed on this website are accurate as of 16th August 2025. Please note that interest rates are subject to change without notice and may vary depending on factors such as lender policies, loan amount, and individual circumstances. Always confirm current rates directly with the lender or financial institution before making decisions.
* Loan-to-Value Ratio (LVR) is the percentage of a property's value that a lender is willing to finance, calculated by dividing the loan amount by the property's value and expressed as a percentage.
**Comparison rates are legally required to help consumers understand the true cost of a loan by combining the interest rate with most fees and charges into a single percentage. The stated comparison rate is based on a loan amount of $150,000over a 25-year term and is provided for comparison purposes only. Actual costs may vary based on your individual circumstances.
Frequently Asked Questions
​How does RateUnity secure lower rates?
We negotiate directly with lenders using group strength and by cutting broker commissions. Where our product isn’t the right fit, we also work with broker colleagues who have access to 40+ lenders.
​
Will applying affect my credit score?
Exploring options with us won’t impact your credit score unless you proceed with a formal application.
​
What is Open Banking?
Open Banking allows secure data sharing (with your consent), helping us quickly assess your profile and match you with suitable solutions.