Zero Risk Fee

Zero LMI 

No financials options available

Why Choose Us

We have a range of tailored solution-driven loans for the self-employed including alternative documentation loans that do not require full financials and tax returns. Your income can be verified using other supporting information that may be more current, providing a clearer assessment of your ability to borrow.

Who We Help

We think outside the box and remove the restriction of old school bank ideology to support their plans and aspirations, whether for home ownership, property investing, commercial property, purchasing via self-managed superannuation or other financing needs.

House Money

Extra House Money

  • Maximum 80% LVR
  • Loan sizes up to $5,000,000 (over multiple securities)
  • Allow rental income up to 95% on residential/commercial properties.
  • 100% of overtime, bonuses and commissions included.

Essential House Money

  • Max 95% LVR inclusive of LMI
  • High Density units up to 80% LVR no LMI
  • Loan sizes up to $1,500,000
  • Boarding and Short Stay income is acceptable
  • Security up to 20 hectares

Think Money

  • No LMI or Risk Fees
  • Up to 80% LVR
  • Loan sizes up to $1,500,000
  • Up to $250,000 cash out.
  • Allow up to 40% of Business Activity Statement (BAS) turnover as income.
  • Income can be verified via Accountant’s Declaration or Business Activity Statements (BAS)

Hot Money

  • Only 1 year ABN/Trading History required.
  • Unlimited cash out (controlled with evidence).
  • Up to $50,000 cash out (uncontrolled).
  • High density/Off the plan acceptable. 
  • Income can be verified via Accountant’s Declaration or Business Activity Statements (BAS).

Well Nigh

  • 1, 2, or 3 Year Fixed Available
  • 100% Offset on Fixed Rate
  • Loan sizes up to $3,500,00
  • Max LVR 95% inclusive LMI
  • No application fee
  • Vacant Land available
  • Serviced & Student apartments available to 60% (min 50 m²)
  • Unlimited online redraws

Speak to one of our Relationship Managers

Find the right solution for you. Complete the contact form below and one of our dedicated relationship managers will get in contact with you to discuss how Rate Money can help you.