Ratebusters is an Australian non-bank lender and a subsidiary of the Assured Group.

Based in South Australia, Ratebusters is an online broker that offers a number of loan products, including home loans, investment and refinancing loans, as well as financial advice. The lender also includes a mortgage broker arm that offers home loan products from a variety of lenders. Ratebusters has won numerous awards, such as the Best Non-Bank Loan – Refinancing award in the 2013 Australian Home Loan Awards.

Ratebusters Home Loan Calculator
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Ratebusters home loans

  • Discounted rates available.
  • Flexible payment options.
  • Competitive rates.
  • No branch access.
  • Limited interest-only payments.
  • No fixed-rate loans.
Ratebusters customer service:

Home loan customers can contact Ratebusters in a couple of ways. There is a general customer phone line and customers can also contact the lender via email or through the Ratebusters website. As Ratebusters is an online-only lender, there is no local branch access for customers wanting to meet in person with a lending specialist.

  • Customer service centre (phone)
  • Online banking
  • Email

How to Apply

Potential Ratebusters customers can apply for a home loan via an online application form on the Ratebusters website. Customers can also apply via phone, however there is no branch access for those wanting to apply in person. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Proof of personal identification.
  • Details of income and employment.
  • Information on assets, savings and other income.
  • Details of current debts, loans and liabilities.
  • Personal insurance documents.

Refinancers will also have to provide home loan statements for the past six months and a current payout quote for the loan you wish to refinance. 

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