Your home loan
watched 24/7.
Ratey tracks your property value, equity milestones, and the mortgage market while you sleep. We nudge you the moment a better deal exists.
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, LVR, and equity milestones 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 RBA 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. The average Australian homeowner is overpaying by $324 every single month.
Join 12,400+ others
Taking back control
Your Wealth Hub.
Equity Tracker
Usable Equity
$240,000
Market Sentiment
Bullish 📈
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Stop relying on outdated bank valuations.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 LVR tracking for rate drops
- Borrowing power estimates for next steps
- 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.
Equity Milestones
See exactly how much of your home you own. We track your LVR so you know when you can stop paying LMI or start investing.
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
Our engine scans property values and interest rates across 35+ Australian lenders 24/7.
Stay in control
We'll nudge you when it matters—like a rate drop or an equity milestone. You decide the next move.
We scan the market,
you watch the footy.
Our AI engine doesn't just look at the big four banks. We scan thousands of products from credit unions, digital lenders, and smaller banks to find the one that fits your specific profile.
Your data is yours.
Period.
We use the same security standards as your bank. Your personal information is encrypted and stored in Australian-based data centers.
No data selling
We never share your personal info with third parties for marketing.
Bank-grade encryption
AES-256 standards keep your property data safe and secure.
Australian Sovereign
We are built, owned, and hosted right here in Australia.
Ready to join the
neighbourhood?
Join 12,400+ Australians who are already letting Ratey watch their home wealth. It's free, it takes two minutes, and it could save you thousands.
No Credit Card. No Spam. Just Data.