Mortgage Specialist Northern Beaches
Home Loan Solutions in the Northern Beaches Sharp Rates, Seamless Support
Finding the right mortgage support is essential to securing a loan that suits your financial goals. At RateUnity, we provide our own competitive home loan product directly, offering sharp rates by reducing traditional broker commissions.
When broader options are needed, we work seamlessly with trusted broker colleagues who have access to over 40 banks and lenders — giving you a smooth pathway to the right solution without starting over.
Our digital-first process and customer-first approach make mortgages simple, transparent, and stress-free for Northern Beaches homeowners and investors.
Strength in Numbers for Lower Mortgage Rates
We believe in the power of collective bargaining. By uniting borrowers, we negotiate directly with lenders to deliver sharper interest rates and stronger terms.
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Working Directly for You
Our own lending partnerships give customers access to wholesale-style rates. Where different features are needed, we share your requirements with broker colleagues who can access a wider panel extending your options while keeping the process seamless.
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Transparent and Ethical Practices
We charge a low, upfront referral fee and avoid trailing commissions, ensuring fair outcomes that put customers first.
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Empowering Everyday Australians
We’re committed to making finance more accessible and equitable, helping Australians secure better outcomes on their home loans.
Why Choose RateUnity?
At RateUnity, we prioritise:
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Direct Rates — sharp home loan rates through reduced commissions.
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Seamless Options — broader lending access when required, by working with broker colleagues.
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Simple Applications — a streamlined four-step online process with less paperwork.
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Secure & Accredited — ASIC-accredited, holding an Australian Credit Licence, with robust data protection.
Our Mortgage Services in Northern Beaches​​
We provide tailored mortgage solutions for Northern Beaches 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
We offer flexible structures through our own product, and when more choice is required, we work alongside colleagues to extend your options.
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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
We provide sharp investment rates through our own product, and broader structures via colleagues 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 help lower repayments, release equity, or consolidate debt.
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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 and by reducing commissions. Where our product isn’t the right fit, we also work with broker colleagues who have access to 40+ lenders.
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Will applying affect my credit score?
Checking your options with RateUnity won’t affect your credit score unless a formal application is lodged.
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What is Open Banking?
Open Banking allows secure data sharing (with your consent). We use it to quickly assess your profile and match you with the most suitable loan solution.