RateUnity offers a variable rate of 5.39% . What are you waiting for? Join us and start saving sooner. Rate Unity uses strength in numbers to negotiate wholesale rates. Check Savings with RateUnity!
Answer a few quick questions, and check your savings, approve the switch online, and enjoy lower Rate Unity payments.
RateUnity Mortgage Broking
​​​​​
​
​
​
.
5.39% | 5.76%
We fight for fair rates for everyday Australians. You deserve a better deal.
Variable rate*
​​​*Variable, P&l, Owner Occupied, LVR < 60%.
** $150,000, 25 yr with upfront fee $199.
Comparison rate**​​
RateUnity saving examples
Loan Value | Monthly Repayments | RateUnity Savings/month* |
|---|---|---|
$1,500,000 | $8,649 | $675 |
$1,000,000 | $5,766 | $450 |
$636,208 ** | $3,668 | $286 |
$400,000 | $2,306 | $180 |
*RateUnity Savings is based on a 30 year Owner Occupied, P&I, mortgage with <60% LVR, using the average Australian Variable rate of 6.34% (RBA September 2024) and comparing it with RateUnity's Basic Variable rate 5.64% (comparison rate 5.94%).​​​
** $636,208 represents the average Australian mortgage, which helps to understand the average significant savings.
Easy steps to lower mortgage repayments
1. RateUnity Submission
2. Chat with Hero Bank
3. Provide documents
4. Hero Bank Decision
Fill out our online form and see your potential RateUnity savings.
Discuss your mortgage with our Hero Bank and provide additional details.
Provide verification and additional documents to support your application.
Bank reviews application and documentation to provide mortgage decision.
How RateUnity is different
We fight for fair rates for everyday Australians — here's how we make it happen.
Greater Savings
RateUnity offers low referral fee and no ongoing commission to banks in exchange for lower mortgage rates for customers.
Hero Bank
RateUnity negotiates directly with banks and has pre-arranged competitive rates for customers.
Community Strength
By using Strength in Numbers and uniting mortgage holders, we harness collective bargaining power.
RateUnity has an Australian Credit Licence and is regulated by ASIC
We protect your details with strict privacy standards and robust electronic security
Meet our founder
“My journey began with a dream to improve the financial lives of Australians. At RateUnity, we blend deep financial expertise with a commitment to ethical practices. This mission is about more than just mortgages—it's about empowering homeowners with trust and significant savings.”
Pier Culley
Founder RateUnity
Mortgage Broker Australia
Finding the right home loan is crucial for homeowners and investors alike. RateUnity, a trusted mortgage broker in Australia, simplifies this process by leveraging collective bargaining power to secure competitive mortgage rates. By combining expertise with technology, we streamline the mortgage process, making it easier for borrowers to find the best options available. With a focus on transparency, efficiency, and community-driven solutions, we ensure you have access to fair and ethical lending options.
Strength in Numbers for Lower Mortgage Rates
Finding the right mortgage can be a challenging process, especially when navigating interest rates and lender requirements. we simplify this by using a collective approach that helps you access better mortgage terms through group bargaining.
​
Leveraging Collective Bargaining Power
RateUnity unites mortgage holders to negotiate wholesale rates with banks. By pooling borrowers together, the platform increases their bargaining strength, leading to more favourable home loan terms. This collective approach helps secure lower rates than many individuals could obtain alone.
​
Transparent and Ethical Practices
Transparency is at the core of our operations. Unlike traditional brokers who rely on commissions from banks, we maintain a low, upfront referral fee. This ensures that customers receive the full benefits of lower mortgage rates without hidden costs.
​
Empowering Everyday Australians
RateUnity is committed to making homeownership more accessible and affordable. Through innovative solutions, ethical leadership, and regulatory compliance, the company provides a mortgage brokering service designed to benefit you, not just financial institutions.
Why Choose RateUnity?
Choosing the right mortgage broker can have a significant impact on your financial well-being. we stand out by prioritising transparency, affordability, and customer empowerment. With a streamlined process and competitive rates, we ensure that you can secure home loans with confidence.
​
Competitive Rates with No Brokerage Fees
By avoiding ongoing bank commissions, we offer more competitive mortgage rates. Home loan seekers can access a variable rate of 5.64% and a fixed rate of 5.25%, providing a cost-effective alternative to traditional lenders. This approach helps borrowers save significantly over the life of their mortgage. Additionally, the transparent fee structure ensures customers are not burdened with unnecessary charges, making home loans more accessible to you.
​
Streamlined Online Application Process
The mortgage application process is simple and efficient. RateUnity’s four-step online system guides borrowers from submission to bank approval, minimising paperwork and delays. The intuitive digital platform ensures users can complete applications at their convenience, reducing the need for in-person meetings. Borrowers receive updates at every stage, providing clarity and confidence throughout the process.
​
Secure & Confidential Handling of Your Information
Customer data security is a top priority. RateUnity implements stringent privacy measures and advanced electronic security to protect user information. The company complies with ASIC regulations and holds an Australian Credit Licence, ensuring adherence to the highest industry standards. Encryption technologies safeguard customer data against unauthorised access, providing peace of mind to borrowers. Additionally, RateUnity continuously updates its security protocols to maintain a safe and reliable mortgage application experience.
Our Mortgage Services in Australia
Finding the right mortgage solution is essential for securing a home that fits your lifestyle and budget. We offer a range of mortgage services tailored to meet the diverse needs of Australian homeowners and investors. With competitive rates and flexible loan structures, borrowers can confidently choose the best option for their financial goals.
​
Owner-Occupied Home Loans
Variable Rate Options
Borrowers can access competitive variable-rate home loans, providing flexibility in repayments and potential savings as market rates fluctuate.
​
Fixed Rate Options
Fixed-rate home loans offer predictable repayment schedules, allowing homeowners to lock in an interest rate for a specified period, ensuring stability in financial planning.
​
Split Loan Options
For those seeking a balance between stability and flexibility, split loan options combine fixed and variable interest rates within a single mortgage structure.
​
Investment Property Loans
Competitive Rates for Investors
Investment property buyers can benefit from tailored financing solutions with competitive interest rates that maximise return on investment.
Flexible Repayment Options
Investors can choose from a range of repayment structures, including interest-only or principal and interest repayments, to align with their investment strategy.
​
Refinancing Solutions
Lower Your Monthly Repayments
Homeowners looking to reduce mortgage costs can refinance their loans through RateUnity, securing better rates and potentially lowering monthly repayments.
​
Consolidate Debts into One Manageable Loan
For those with multiple financial obligations, consolidating debts into a single mortgage can simplify repayments and improve overall financial management.
The RateUnity Team
Jarrod Brooks
Shareholder & Partner
Jarrod utilizes strategy and stakeholder diplomacy to collaborate with boards and C-suite executives, driving growth across Asia-Pacific markets. His expertise spans real estate capital, governance, and strategic alliances, enabling ambitious expansion goals while safeguarding business interests.
Chris Dadej
Shareholder & Partner
A technology executive with 20+ years in Co-CEO, CTO & CPO roles, driving transformation and strategic innovation. Combining technical expertise & business acumen, Chris builds high-performing teams & delivers digital solutions that drive growth, elevate customer experience & boost operational efficiency.
Santiago Burridge
Shareholder & Partner
Santiago founded several Financial Services businesses during his career and now invests his energy in companies that aim to achieve great things. Rate Unity is one of those companies, as it has the potential to help thousands of Australian Families lead better lives and get better outcomes.
Sascha Flook
Shareholder & Partner
Sascha began her career as an IT Manager at Australian Geographic, leveraging her expertise in business operations and technology. She now leads Digital by Sasch, specializing in creative, customer-centric marketing for wellness, finance, and real estate sectors.
Frequently Asked Questions
How Does RateUnity Secure Lower Rates?
RateUnity negotiates directly with banks using the collective strength of multiple mortgage holders. This approach allows it to secure wholesale rates, offering customers more competitive interest rates than many standard retail loan options.
​
Will Applying to Affect My Credit Rating?
Applying for a mortgage through RateUnity does not impact credit scores unless a formal loan application is submitted to a lender. Borrowers can compare loan options without any immediate effect on their credit history.
​
What Is Open Banking and How Is It Used?
Open banking enables secure data sharing between financial institutions with customer consent. RateUnity uses this framework to assess borrower profiles efficiently and match them with the most suitable mortgage options.
Contact Us
For more information about securing a competitive mortgage rate, contact RateUnity. Our dedicated team is ready to assist you with tailored mortgage solutions and expert guidance. Whether you have questions about refinancing, home loan options, or investment property financing, we are here to help. Reach out to us to discuss your mortgage needs and find the most suitable solution for your financial goals.