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Primary applicant
Property details

Are you buying or refinancing? *

Number of owners on the property? *

Partner details
Key household financials

Annual join household income (gross) *

$

Total credit card limit + other loans (e.g. car or personal loans, HECs) + Afterpay / Zip / Klarna balance *

$

Annual Private school fees (if any)

$

Annual health insurance costs

$

Loan details

Loan Purpose

Please select the loan purpose

Current Interest Type

Please select the interest type

Variable - the bank can change the interest rate, usually based on the base rate and market shifts.
Fixed - the interest rate is locked for a specific period, generally 1 to 5 years. 
Split - part of the loan has a fixed rate, while the rest follows a variable rate (e.g., 70% fixed, 30% variable).

Variable Interest Loan Details

Current Loan Amount or if buying how much do you want to borrow?

$

%

Years

Current Loan repayment type

Fixed Interest Loan Details

Current Amount owing on loan or best guess?

$

%

Months left on Current  fixed rate? *

Months

Revert interest rate or best guess?

%

Years left on Current loan or best guess?

Years

Current Loan repayment type

Submit Data

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Additional Information

RateUnity does not guarantee that any bank or financial institution will approve your application or that a lower interest rate will be available to you. RateUnity offers its own competitive home loan product directly, and where a broader range of loan options is required, we work seamlessly with trusted broker colleagues who have access to over 40 banks and lenders.

The information you provide in this form will be securely retained and handled by RateUnity in accordance with our Privacy Policy. We may contact you to update you on your application’s progress, advise when competitive rates become available based on the information you have provided, or share relevant updates about products and services that may interest you. If you prefer not to receive such updates, you can change your contact preferences in your account or request deletion of your account at any time.

The information you provide will be used to create or update your RateUnity account. Any figures or calculations displayed in your account are general examples based on the information supplied and are intended as guides only. They do not constitute forecasts, credit approval, or professional financial advice. Subject to law, RateUnity Pty Ltd will not be liable for any loss or damage arising from reliance on these tools or estimates. The information displayed does not constitute an offer to lend or imply that any product is suitable for you.

Only apply if you are 18 years or older and a permanent resident of Australia. Lending criteria, fees, and terms and conditions apply and may vary depending on the lender or financial institution.

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Important Information: Interest rates are variable and subject to change without notice. Advertised rates include a 0.35% p.a. discount for the first 2 years, reverting to the applicable standard variable rate thereafter. A $150 application fee applies. The liteBlue (Basic Variable) product has a $199 annual fee and the myBlue (Variable Offset) product has no ongoing product fee. Other fees and charges may apply. Comparison rate is based on a secured loan of $150,000 over 25 years and includes applicable fees, assuming the discounted rate for 2 years reverting to the standard variable rate thereafter. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included but may influence the cost of the loan. This information is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you and review the relevant Product Disclosure Statement (PDS) before making any decision. RateUnity Pty Ltd ACN 668 166 283 | Australian Credit Licence 554016. By using this website, you agree to our Terms and Conditions and Privacy Policy.

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