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MORTGAGE TRACKING
A sharper eye on your rate.
Monthly mortgage checks help you see how your rate stacks up, and when it could be time for a conversation.
Stay rate-aware A clearer view of home ownership
Your home.
Your money.
Your next move.
Your mortgage, usable equity and borrowing power.
Finally, together in one clear view.
Free to useMade for Australians
Your usable equity$240,000Room to grow
A little rate check.
A little more peace of mind.Your monthly mortgage review
A little more peace of mind.Your monthly mortgage review
Keep your mortgage in perspectiveSee the equity in your homePlan your next possibility
Less guesswork. More perspective.Meet your home’s
Meet your home’s
financial dashboard.
All the moving parts. One refreshingly simple place.
YOUR PROPERTY POSITION
Home is more than an address.
See your property value, mortgage and usable equity together. A clearer picture of where you are, and what could come next.
Explore your equityYour big picture. Your decisions.
Your overviewExample dashboard
Estimated property valueYour home
$950,000AUD
Your property, in perspective
PROPERTY VALUE OVER TIME
JanFebMarAprMayJun
Mortgage balance$520,000
Usable equity$240,000
Illustrative figures. Estimates depend on your details and lender criteria.
A little curiosity goes a long wayWhat could your
What could your
numbers tell you?
Try a quick calculation. No account needed.
Just a little more clarity, in a few seconds.
Your numbers stay in your browser.
Your estimated usable equity$240,000
Get your full pictureA starting point for your next possibility.
Estimate = 80% of property value − loan balance, with a minimum of $0. Access depends on lender valuation, criteria and serviceability. It is not loan approval.
A home for your bigger plansSmall insights.
Small insights.
Bigger possibilities.
From the loan you have today
to the life you’re planning next.
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USABLE EQUITY
See the potential in your home.
Track your property value and usable equity. Give that renovation, investment or next chapter a starting point.
Understand your equity03 /
BORROWING CAPACITY
Picture your next possibility.
Get an indication of your borrowing capacity, with your income, expenses and existing commitments in view.
Explore your borrowing powerA few minutes now. A clearer view ahead.Get settled in.
Make yourself at homeGet settled in.
We’ll keep you in the loop.
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Tell us about your home
Add your property, loan and a few details about your situation. It all starts with you.
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See your whole picture
Bring your mortgage, equity and estimated borrowing power into one simple dashboard.
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Keep your next move in view
Come back for monthly rate checks and a fresh perspective as your circumstances change.
Good questions. Clearer answers.
Explore all guides & toolsA little home loan know-how.
The things you might be wondering
Glad you asked.
A few answers before you settle in.
Say hello to the teamWhat can I track with Ratey?
Your home loan rate, mortgage balance, property value, equity and estimated borrowing capacity. Add your property and loan details to see them together in one dashboard, including how your position changes over time.
Is Ratey free to use?
Yes. Ratey is free to use. If you choose to ask for an introduction to a mortgage broker, we may receive a referral fee. That introduction is optional. You can read more in our Terms of Service.
Read our termsHow often does Ratey check my mortgage?
Ratey re-checks your mortgage against lender rates each month. Keep your loan, income and property details up to date so the comparisons and estimates reflect your situation.
What is the difference between equity and usable equity?
Equity is your property value minus your loan balance. Usable equity is an estimate of the portion you may be able to borrow against. Our calculator uses 80% of the property value minus your loan balance. Access depends on lender valuation, lending criteria and your ability to service the loan.
Is a borrowing capacity estimate a loan approval?
No. It is an indication based on the information you provide. A lender will assess your income, expenses, other debts and their own lending criteria before approving a loan. Ratey helps you understand your position; a licensed mortgage broker or lender can help assess your next step.
Do I need to connect my bank account?
You can get started by entering your property, mortgage and income details. The calculators on this page work in your browser without an account, and do not send the numbers you enter to Ratey.
