At RateSmart, your home journey goes beyond financing.
We help you secure the best mortgage so you can focus on what truly matters: building your dream home.
Turn your property goals into reality and get rewarded along the way with every approved loan.
Smart choices deserve smart rewards.
Terms & Conditions
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This campaign is valid until 31 January 2026, unless updated by RateSmart.
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To qualify, your home loan must be applied and approved through RateSmart during the campaign period.
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Each approved loan is eligible for one voucher reward.
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Vouchers will be sent within one (1) month after the loan is officially approved.
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Rewards are not transferable, exchangeable, stackable with other promotions or redeemable for cash.
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If the loan is rejected by the bank, withdrawn, cancelled or not disbursed, the reward will not apply.
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RateSmart may update or end the campaign at any time, and any decision made will be final.
Festive Home Perks!
💡
Guaranteed Reward:
at least $188 IKEA Gift Card
when your loan is approved and accepted with Ratesmart.
T&Cs apply
Designed for trust, simplicity, and style.
Here’s How It Works:
Unlock exclusive partner renovation rates.
Receive your Gift Card to kickstart your home setup.
Get approved and sign with the bank.
Apply for your home loan through RateSmart.
Renovate Smarter with Exclusive Partner Rates
Special partner pricing unlocked when your home loan is completed through RateSmart.
RateSmart Client Privileges:
significantly lower than standard retail pricing.
A smart renovation starts with the right financing.
That’s why RateSmart clients who complete a home loan through RateSmart enjoy access to unlock specially negotiated renovation rates with personally verified partners, to provide real savings.
ℹ️ What do these prices mean?
RateSmart Client Price: Exclusive partner pricing for clients who take a home loan through RateSmart
Usual Retail Price: Standard market pricing if you engage vendors directly
ENF Grade Kitchen Package (Modular)
What’s Included:
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Kitchen Modular System (incl. base & wall cabinets)
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Sintered stone countertop
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Certified ENF Grade plywood & adhesive
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Selective melamine finish
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Solid plywood cabinet carcass
Standard Dimensions
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Base cabinets: L3000 × D600 × H900mm
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Wall cabinets: L3000 × D350 × H800–1100mm
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Stone top: L3,000 x D600 x T20mm
⚙️ Premium Hardware & Accessories
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PUR edgeband on all panels
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BLUM / Hettich soft-close hinges
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Built-in COB LED lighting
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BLUM Tandem full-extension drawers
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HIGOLD stainless steel accessories
Important notes:
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Custom layout & sizing available
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Final pricing subject to site assessment
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Accessories may vary by configuration
Stainless Steel dish draining rack
Shearer low base basket
BLUM Tandem full-extension drawers
Terms & Conditions
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Renovation partner rates are available exclusively to RateSmart loan clients and are subject to partner terms, minimum order requirements, and availability.
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Prices stated are indicative and subject to change without prior notice. Visuals are for illustration purposes only.
💡 Why this matters
These are real partner rates, not seasonal sales.
The savings you see here are unlocked only after your loan is approved and completed through RateSmart.
⭐️ Some clients save $500–$2,000+ depending on renovation scope.
💡 Why these rates exist
We work closely with trusted renovation partners to secure better pricing for our clients, without compromising on materials or workmanship.
⭐️ No obligation or hard sell. Just better value after your loan is in place.
Healthier Materials. Safer Homes.
We prioritise materials that are better for your home and the people living in it.
Our selected renovation partners use ENF Grade certified plywood and adhesives for key carpentry works, meeting one of the highest formaldehyde emission standards available in the market today.
That means lower emissions, better air quality, and greater peace of mind — especially for families with children or pets.
✅ Where ENF Grade Applies
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Timber doors & door sets
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Media / TV consoles
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Modular cabinets & carpentry systems
(Application depends on product type and configuration.)
Maximise Your Savings with Renovation Perks
Turn your property goals into reality, and get rewarded along the way. Celebrate your homeownership milestone with practical rewards for your new space when your loan is signed and approved through us!
🎁
Guaranteed Reward: Get at least $188 IKEA Gift Card when your loan is approved and accepted with Ratesmart. T&Cs apply.
At least
$188 IKEA Gift Card*
guaranteed
when when you finance your home with RateSmart.
*T&Cs apply.
Why Homeowners Choose RateSmart
Smarter financing with personalised mortgage options from trusted banks
Exclusive renovation rewards with every approved loan
Seamless rewards redemption — no forms, no hassle
Legal guidance and property advice from experts, not algorithms.
Smart homeownership guidance under one roof