Rateseeker

Rateseeker Rateseeker is an advanced smart-tech online home loan platform to help you find the lowest loan rates

02/09/2026

Rate cuts give you more borrowing power.
They also bring more buyers into the market.
Same window. More competition.

If you're buying your first home, the time to get your position locked in is before the crowd arrives, not after.

Rateseeker. 40+ lenders. Link in bio.

31/08/2026

That credit card you “never use” may still matter when you're applying for a home loan. 💳
Lenders can consider more than the outstanding balance. Your available credit limits can also form part of how your commitments and borrowing capacity are assessed.
That doesn't mean everyone should immediately start cancelling cards.
If you're preparing to buy or refinance, it's worth reviewing your limits as part of your overall lending position before making changes.
Send this to the person who has a wallet full of “emergency cards”. 👀
General information only. Lending criteria vary by lender and individual circumstances.

Here you go, felt and real:Getting knocked back by a bank stings.But here's the truth. A bank saying no doesn't mean buy...
31/08/2026

Here you go, felt and real:
Getting knocked back by a bank stings.

But here's the truth. A bank saying no doesn't mean buying a home is off the table. It just means that bank wasn't the right fit for you.

Most people don't realise there are hundreds of lenders out there. Banks are just the ones you see on every corner. Behind them are lenders who look at your situation differently, and that's where we come in.

At Rate Seeker, we don't just send you back to the same places that already said no. We look at your full picture and find the lender that actually works for where you're at right now.

If you've been knocked back, send us a message. It might not be as over as you think.



https://rateseeker.com.au/?utm_name=sked&utm_source=facebook&utm_medium=social&utm_content=sked_6a8b83b02f397b431e5dda42

28/08/2026

That credit card you “never use” may still matter when you're applying for a home loan. 💳
Lenders can consider more than the outstanding balance. Your available credit limits can also form part of how your commitments and borrowing capacity are assessed.
That doesn't mean everyone should immediately start cancelling cards.
If you're preparing to buy or refinance, it's worth reviewing your limits as part of your overall lending position before making changes.
Send this to the person who has a wallet full of “emergency cards”. 👀
General information only. Lending criteria vary by lender and individual circumstances.

Real talk, saving a 20% deposit in Sydney is a long game.But here's what a lot of buyers don't realise, you might not ne...
25/08/2026

Real talk, saving a 20% deposit in Sydney is a long game.
But here's what a lot of buyers don't realise, you might not need to wait that long.

1. 5% deposit options exist. With Lenders Mortgage Insurance (LMI), some lenders can get you approved with just 5% saved. Yes, really.

2. The First Home Guarantee means you can buy with 5% and pay zero LMI. It's a government guarantee to your lender, not free money, but it can save you tens of thousands. As of late 2025, the scheme expanded: no income caps, no place limits, and in Sydney the property cap now sits at $1.5 million.

3. Guarantor loans let a family member use their own property as security. That means you could get in with little to no deposit at all.

4. The Family Home Guarantee is built for single parents. Just 2% deposit required.

The 20% rule isn't wrong. It's just not the only way in.

If you're sitting there wondering whether you're closer to buying than you think, send us a message. We'll compare hundreds of lenders and find what actually fits your situation, not just the first option a bank throws at you.

Link in bio to get started.



https://rateseeker.com.au/?utm_name=sked&utm_source=facebook&utm_medium=social&utm_content=sked_6a8b815b54bd3a90cb5c92db

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Suite 302, Level 3/120 Sussex Street
Sydney, NSW
2000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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