Are you paying a
loyalty tax?
Ratey watches your mortgage and nudges you when a better deal exists. Track your property value, home ownership progress, and the market while you sleep.
Estimated Value
$1,245,000
Rate Alert
Save $340/mo by switching
Estimated Value
$1,245,000
Rate Change Detected
Save $340/mo by switching to a new lender.
Banks love it when
you're too busy.
Your home loan is likely your biggest expense, yet it's the one thing most of us “set and forget.” That's exactly what the big banks are counting on.
The 'Loyalty Tax' is real
Banks often give new customers better rates while loyal ones pay more. Without watching, you're likely paying a premium just for staying put.
Life is busy, math is hard
Most Aussies check their Super more than their mortgage. Tracking interest rates, loan-to-value ratios, and equity is a full-time job you didn't ask for.
Information Overload
Financial news is full of jargon and noise. It's hard to know which rate hike or lender drop actually matters to your specific situation.
“I haven't checked my rate in 3 years...”
Sound familiar? You're not alone. Most Australian homeowners could be saving hundreds every month without realising it.
Be one of the first
Taking back control
Your Wealth Hub.
Equity Tracker
Usable Equity
$240,000
Fixed Rate Ends
47 days
Know exactly
what you're worth.
Stop relying on outdated bank valuations. Ratey uses live market data to give you an estimate that actually reflects current buyer demand in your street.
- Monthly suburb performance reports
- Automated loan-to-value tracking for rate drops
- See how much you could borrow
- Plain-English wealth breakdowns
Everything you need,
none of the stress.
Ratey stays in the background, working quietly to ensure your biggest asset is performing its best.
24/7 Rate Monitoring
We scan thousands of loan products daily. If a better deal for your specific situation pops up, you'll be the first to know.
Live Value Tracking
Get real-time updates on what your home is worth based on recent suburb sales and market trends. No more guessing.
Ownership Progress
See exactly how much of your home you own. We track your loan-to-value ratio so you know when you can negotiate better rates or access equity.
AI-Powered Alerts
Our smart engine ignores the noise and only flags opportunities that actually save you money or grow your wealth.
Simple as a Sunday morning.
Getting started takes less than two minutes. No complex forms, no phone calls.
Connect your place
Just enter your address and roughly what you owe. We don't need sensitive bank logins.
We get to work
We scan property values and interest rates across 35+ Australian lenders around the clock.
Stay in control
We'll nudge you when it matters—like a rate drop or an ownership milestone. You decide the next move.
We scan the market,
you live your life.
We don't just look at the big four banks. We scan thousands of products from credit unions, online lenders, and smaller banks to find the one that fits your specific situation.
Your data is yours.
Full stop.
We use the same security standards as your bank. Your personal information is encrypted and stored in Australian-based data centers.
No credit checks
Won't affect your credit score.
256-bit encryption
Keeps your data safe and secure.
Australian hosted
Built, owned, and hosted right here.
Ready to join the
neighbourhood?
Be one of the first Australians to let Ratey watch your home wealth. It's free, it takes two minutes, and it could save you thousands.
No credit card required. No spam.