Mortgage Specialist Dee Why
Home Loan Solutions in Dee Why Sharp Rates, Seamless Support
Finding the right mortgage support is crucial for securing a loan that truly fits your needs. At RateUnity, we offer our own competitive home loan product directly, designed to deliver sharp rates by reducing traditional broker commissions.
When broader options are needed, we work alongside trusted broker colleagues who have access to over 40 banks and lenders so you’ll always have a seamless pathway to the right solution.
Our streamlined digital process and customer-first approach make borrowing simple, transparent, and stress-free.
Strength in Numbers for Lower Mortgage Rates
We believe mortgages should be more affordable and accessible. By combining the strength of borrowers, we negotiate sharper rates and better loan terms.
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Working Directly for You
We negotiate directly with our lending partners to provide wholesale-style rates. And if your needs require a broader choice, we share your requirements with broker colleagues who can access a wider panel of lenders, ensuring continuity without hassle.
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Transparent and Ethical Practices
We charge a low upfront fee and avoid trailing commissions, so our customers benefit from fair and unbiased outcomes.
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Empowering Everyday Australians
Our focus is on making finance accessible and equitable, helping everyday Australians make confident financial decisions.
Why Choose Us?
Choosing the right mortgage pathway matters. At RateUnity, we prioritise:
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Direct Rates — competitive home loan rates through reduced broker commissions.
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Seamless Options — broader loan choice when needed, through broker colleagues with 40+ lenders.
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Easy Applications — a four-step digital process that minimises paperwork.
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Secure & Accredited — ASIC-accredited, with an Australian Credit Licence and robust data protection.
Our Mortgage Services in Dee Why​​
We provide tailored mortgage solutions for Dee Why 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.
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Owner-Occupied Home Loans
Owning a home is a milestone. We offer tailored solutions through our own product, and where broader choice is needed, we work seamlessly with broker colleagues.
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​Variable Rate Options - flexibility to benefit if rates fall.
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​Fixed Rate Options - stability with predictable repayments.
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​Split Loan Options - a mix of fixed and variable for balance and peace of mind.
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Investment Property Loans
Build wealth through property investment. We provide sharp investment rates through our own product and work with colleagues for broader structures when required.
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​Competitive Rates - access sharper rates through our collective bargaining model.
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​Flexible Repayments - choose from interest-only or principal & interest to suit your strategy.
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Refinancing Solutions
Refinancing can reduce repayments, release equity, or simplify debts.
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​Lower Monthly Repayments - secure sharper rates to reduce cash flow pressure.
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​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
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How does RateUnity secure lower rates
We negotiate directly with lenders using the collective strength of multiple borrowers, while reducing commissions to pass on savings. Where our product isn’t suitable, we also work with broker colleagues who can access 40+ lenders.
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Will applying affect my credit score
Checking your options through RateUnity won’t affect your credit score unless a formal application is submitted.
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What is Open Banking?
Open Banking enables secure data sharing (with your consent). We use it to assess profiles quickly and match borrowers with suitable loan solutions.