Mortgage Specialist Manly
Home Loan Solutions in Manly
Sharp Rates, Seamless Support
Securing the right mortgage is one of the biggest financial steps you’ll take. At RateUnity, we offer our own competitive home loan product directly, with sharp rates achieved by reducing traditional broker commissions.
When broader loan options are needed, 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 simple, accessible, and stress-free for Manly residents.
Strength in Numbers for Lower Mortgage Rates
We believe in the power of collective bargaining to unlock sharper interest rates. By bringing borrowers together, we negotiate directly with lending partners to deliver more competitive outcomes than retail offers.
​
Working Directly for You
Our direct lending partnerships give customers access to sharp rates. And when your needs call for different features, we share your requirements with trusted broker colleagues who can access a wider panel extending your options without disruption.
​
Transparent and Ethical Practices
We charge a low, upfront referral fee and avoid trailing commissions, ensuring fairer outcomes that put customers ahead of bank incentives.
​
Empowering Everyday Australians
We’re committed to making home loans more accessible and equitable. Our approach helps borrowers make confident, informed financial decisions.
Why Choose RateUnity?
Choosing the right mortgage pathway is crucial. At RateUnity, we prioritise:
-
Direct Rates — sharp home loan rates through reduced broker commissions.
-
Seamless Options — broader loan choice when required, by working with broker colleagues.
-
Simple Applications — a four-step digital process that minimises paperwork.
-
Secure & Accredited — ASIC-accredited, holding an Australian Credit Licence, with robust data protections.
Our Mortgage Services in Manly​​
We provide tailored mortgage solutions for Manly 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 milestone. We provide flexible structures through our own product, and where broader 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
Investing in property is a proven path to building wealth. We offer sharp investment rates through our own product and work with colleagues for broader structures 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 lower your repayments, release 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 the combined strength of borrowers and by reducing 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
Checking options with RateUnity won’t impact your credit score unless a formal application is submitted.
​
What is Open Banking?
Open Banking allows secure data sharing (with your consent). We use it to quickly assess profiles and match borrowers with suitable loan solutions.