The RBA has announced an increase to the official cash rate. We will be increasing interest rates across all variable rate products by 0.25%, effective from 27 March 2026.

Become a Rate Money Referral Partner

Expand your potential and help self-employed Australians get approved faster and more often

Partner With Us

Why Partner with Rate Money?

We help you deliver solutions for clients when traditional lenders can’t. Our structured credit approach, flexible policy, and simple referral process make it easy to support your clients while strengthening your relationship with them.

Strengthen client relationships with collaborative, personalised support
Flexible lending solutions that the banks and other non-banks don't offer
Support a wider range of client scenarios with confidence
Attractive fee structure for referral partners
Dedicated support from your local franchise team

Talk to Your Local Branch
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What Makes Us Different?

No Upfront Fees

No risk, valuation or application
fees*

Self-Employed Specialists

Tailored solutions designed to suit diverse income structures

Award-Winning Team

A trusted brand you can refer with confidence

Partnership Benefits

Fast Simple Applications

Our streamlined process cuts through red tape, meaning a quicker ‘yes’ for you and your clients.

Broaden Revenue Opportunities

Support more customers with access to a wider range of tailored solutions

Expert Support

Work directly with our expert Lending Managers to find solutions tailored to your clients individual needs.

Trusted By
Thousands

We've helped thousands of self-employed Australians achieve their property goals.

Here's How It Works

1

Connect with us

We’ll introduce you to your local Rate Money team and get you set up.

2

Refer clients

Introduce self-employed clients who may benefit from exclusive solutions.

3

Share in the success

When their loan settles, you’ll receive your referral fee.

4

Initiate Referrals

Introduce your client to your Rate Money franchisee, or alternatively provide your client’s details and Rate Money will contact them directly.

5

Track Progress

We will keep you updated on your client’s progress throughout the application process.

6

Get Paid

Upon settlement of a home loan by a referred client, you will receive your agreed and well deserved remuneration.

Help More Self-Employed Clients

Register your interest and our local team will connect you to get started.

  • Quick and simple registration
  • Refer clients when the opportunity arises
  • Dedicated support from your local team
  • Access flexible solutions tailored for self-employed borrowers

Partner With Us

Partner Resources and Success Stories

How to navigate the end of your fixed-rate home loan
Website Images - Landscape (1)
Home Loan Hints

How to navigate the end of your fixed-rate home loan

Navigating the end of a fixed-rate mortgage can feel uncertain. As your loan transitions to a variable rate or a new fixed term, your repayments may c…

How Self-Employed Australians Can Avoid Mortgage Stress
Glenn Maynard, Director of Rate Money and expert in self-employed mortgage lending with 29 years of industry experience.
Home Loan Hints

How Self-Employed Australians Can Avoid Mortgage Stress

Unsurprisingly, self-employed Australians are feeling the relentless squeeze of rising cost-of-living pressures, which threaten their financial stabil…

Should You Refinance to Consolidate Debt?
Home Loan Hints

Should You Refinance to Consolidate Debt?

Should You Refinance to Consolidate Debt? If you’re a homeowner in Logan, Queensland juggling multiple debts such as credit cards, personal loans, or …

Still Have Questions?

Do I qualify if I am a sole trader, or short term self-employed?

Yes absolutely, we specialise in lending to the self-employed and can accept alternative documentation like BAS statements, business account statements, or an accountant’s declaration instead of tax returns. We even offer specific loan strategies for businesses with ABNs as young as 12 months.

How fast is the approval process?

We pride ourselves on speed and efficiency, with approvals often achieved within just 24 to 48 hours once we have your documents.

Disclaimer

*Interest rates, fees, and charges are subject to change without notice and depend on individual credit assessment criteria and loan to value (LVR) ratio, terms and conditions apply. Comparison rates are calculated and based on a $150,000 AUD loan over a term of 25 years for illustrative purposes and may not include all fees and charges. This information is general in nature and does not take into account, your objectives, financial situation, or needs. Rate Money acts as a mortgage manager and loans are subject to lender approval and criteria.

* Terms & conditions apply.